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Current active Lumico life policies will have coverage for COVID-19, as long as the policyholder discloses any underlying conditions on their application, or during the application review process in underwriting.

Testing for COVID-19 is covered under Medicare Part B when it is ordered by a doctor or another health care provider that accepts Medicare, and if the test was ordered after February 4, 2020.

 

Any needed outpatient services will be covered under Part B, and for any medically necessary hospitalization, it will be covered under Medicare Part A rules. The costs you are responsible for under Medicare Part A include a deductible of $1,408 for each stay, and daily coinsurance if your stay exceeds 60 days. The Lumico Med Supp product will cover Medicare Part A and B coinsurance and/or deductibles according to the plan you chose.

If you have any questions about your existing insurance coverage or future needs, please contact your insurance agent directly.

There is no vaccine for the new coronavirus right now. Scientists have already begun working on one, but developing and distributing a vaccine that is safe and effective in human beings is projected to take 12 to 18 months.

Certain models of professional, tight-fitting respirators (such as the N95) can protect health care workers as they care for infected patients.

 

For the general public without respiratory illness, wearing lightweight, disposable surgical masks is not recommended. Because they don’t fit tightly, they may allow tiny infected droplets to get into the nose, mouth or eyes. Also, people with the virus on their hands who touch their face under a mask might become infected.

 

People with a respiratory illness can wear these masks to lessen their chance of infecting others. Bear in mind that stocking up on masks makes fewer available for sick patients and health care workers who need them.

None of these recommendations can protect you from getting COVID-19, and some of these practices may be dangerous. The best ways to protect yourself from this coronavirus (and other viruses) include:

 

• ​Washing your hands frequently and thoroughly, using soap and hot water.
• Avoiding close contact with people who are sick, sneezing or coughing.
• In addition, you can avoid spreading your own germs by coughing into the crook of your elbow and staying home when you're sick.

Viruses can change over time. Occasionally, a disease outbreak happens when a virus that is common in an animal such as a pig, bat or bird undergoes changes and passes it to humans. This is likely how the new coronavirus came to be.

Researchers are studying the new coronavirus to learn more about how it infects people. As of this writing, scientists note that most viruses like this one do not stay alive for very long on surfaces, so it is not likely you would get COVID-19 from a package that was in transit for days or weeks. The illness is most likely transmitted by droplets from an infected person’s sneeze or cough, but more information is emerging daily.

There are some state hotlines, serviced by health care and pharmaceutical professionals, available. You can search for contact phone numbers for your specific state online, as new hotlines, phone numbers and other resources for support on the coronavirus are surfacing daily. Please click here for updated state resources.