Important Information Regarding Coronavirus:
Church Alliance Resources:
Coronavirus Aid, Relief, and Economic Security Act Summary
Summary of Emergency EIDL Grant Provisions
Federal Small Business Loan ApplicationChurch Alliance Treasury CARES Act PPP FAQs
The Department of Treasury Paycheck Protection Program:
for supplemental information
Church Alliance - SBA Paycheck Protection Program Letter
Council for American Private Education (CAPE) Congressional response to COVID-19USCCB - The Emergency Family and Medical Leave Expansion Act Memo
Express Scripts: Novel Coronavirus (COVID-19) Resource Center
Centers for Disease Control and Prevention (CDC
)World Health OrganizationInteresting Articles:
COVID-19 Chart explained - video
How to use the COVID-19 'Shelter In Place' Order as an Early Retirement Test-Run
Here's why COVID-19 is Your Retirement Fire Drill
CBS COVID-19 response
As we all embark on unprecedented times surrounding the ever-evolving COVID-19 situation, we want to ensure our Members and Clients that Christian Brothers Services will continue providing the programs, plans and services you have come to rely on.
CBS is fortunate to maintain key partnerships with leaders in health, retirement planning and risk management services, all whom have fluid contingency plans in place. The following are examples of those relationships:
- Teladoc, a frontrunner in telemedicine offering access to healthcare 24-7;
- Express Scripts, a pharmacy benefits manager, ensuring prescription supplies are met;
- AJ Gallagher, offering guidance for employer liability issues surrounding COVID-19;
- Gallagher-Bassett, our property, casualty and workers compensation claims manager;
- The Vanguard Group, a world-class record-keeper for our 403(b) and 401(k) Plans, providing advice on handling the volatility of the stock market;
- Northern Trust continues to pay retirement benefits for our Pension Plan;
- Church Benefits Association, where our membership allows CBS to access colleagues serving other faith-based benefit organizations;
- Church Alliance, where our membership helps CBS continue to monitor all federal legislation impacting benefit plans and Church Plan status.
In addition, CBS has implemented our Business Continuity Plan in full support of the Centers for Disease Control and Prevention recommendations of social distancing, which accelerates our work-from-home program, suspends business travel, both internationally and domestic, and ensures contingency planning is in place. Doing so allows us to protect our workforce and ensures we have the technology and the tools to support our member’s needs.
In these uncertain times, rest assured we are continually working to provide seamless operations as we navigate this situation.
If you have COVID-19 symptoms, we encourage you to use Teladoc. Due to the high demand for healthcare nationwide, people are experiencing longer than usual wait times.
Take these steps to prepare for your Teladoc visit and save time:
- If you’re new to using Teladoc, start by visiting the Teladoc website for answers to frequently asked questions.
- For fastest support, we encourage members to contact Teladoc by mobile App or web. You can download the App on the App Store or Google Play.
- Before your first virtual visit, members need to set up a Teladoc account and share their medical history on the app or on the Teladoc account set up page. Completing this step in advance accelerates visit requests.
For more information on Teladoc’s COVID-19 response, please read their recent release
Testing Fees Waived
As the international coronavirus (COVID-19) outbreak rapidly evolves, measures to not only contain the virus emerge, but initiatives to address the cost of containing it also are at the forefront.
Legislative move regarding insurance and COVID-19
As federal and state legislative bodies take measures to ensure agencies and local governments have the funding necessary to combat the coronavirus outbreak, Christian Brothers Servises is working to do its part in easing cost concerns associated with COVID-19 for its participants.
Several states are calling on health insurers to waive costs to patients for coronavirus testing. To help remove barriers to testing for COVID-19 and protect members against its spread, Christian Brothers’ plans are waiving such out-of-pocket fees.
Though the Christian Brothers Employee Benefit Trust (EBT) and Religious Medical Trust (RMT) are exempt from legal regulations calling for insurance companies to waive these fees and are not required to do so, all Christian Brothers’ EBT and RMT plans will cover COVID-19 testing at 100% with no member cost share for both In-Network and Out-of-Network providers, effective immediately.
How to ensure fees are waived
If you are visiting the doctor because you have COVID-19 symptoms, (fever, cough, shortness of breath) your doctor’s office must enter codes specific to coronavirus* for billing purposes to ensure the cost will be covered in its entirety.
No prior authorization requirements are required for plan members seeking COVID-19 diagnostic tests. Additionally, office visits for patients concerned they have COVID-19 symptoms billed with the proper diagnosis codes*, will be completely covered with no member cost share under all EBT and RMT plans, including both In-Network and Out-of-Network providers.
The Internal Revenue Service (IRS) has issued the following guidance as it relates to Health Savings Account (HSA) qualified high deductible health plans (HDHP). In accordance with this guidance, the waiver of fees will be applied to participants in HSA qualified HDHP plans under the EBT.
Please submit the invoice for the consult fee to Christian Brothers Services (CBS). You can find the invoice online by logging into your Teladoc account. Click on “My Account,” choose “Invoices,” and select the appropriate invoice. Please print and send to CBS via USPS (1205 Windham Parkway, Romeoville, IL, 60446) or via fax 630.378.2504.
We’re here to help
Be assured our partners Teladoc and pharmacy benefits manager, Express Scripts, remain dedicated to the health and safety of our members and ensure preparedness plans are in place.
Christian Brothers Services, in partnership with Express Scripts, allows for emergency access to medicine in case a rare situation calls for an early refill. In addition, note that standard refill policies allow members to refill or renew a prescription medication when 25% to 35% of their current prescription is remaining.
Please keep in mind that as an EBT or RMT member, you and all your dependents have quick, easy access to talk to U.S.-licensed physicians anytime, 24-7-365 with Teladoc, which provides virtual office visits, allowing for general medical care in the comfort of your own home, reducing your risk of sharing germs.
In addition, we encourage anyone who develops any flu-like symptoms to contact Teladoc and talk about symptoms, travel history, and recent contact with anyone who may be infected with the virus.
While COVID-19 first presented with many unknowns, progress is being made in its containment. The World Health Organization reports decisive and early action can significantly slow down the virus and prevent infections.
As with any illness, washing hands with soap and warm water, cleaning common surfaces and avoiding those who are sick, are your best defense. Most people who become infected experience mild illness then recover. The Centers for Disease Control and Prevention (CDC) reports older adults and people with severe chronic medical conditions like heart, lung, or kidney disease seem to be at higher risk for more serious COVID-19 illness. The CDC offers tips on “What to Do if You are Sick” to help prevent the spread of COVID-19.
For more information:
Visit myCBS/health or
Employee Benefit Trust participants call 800-807-0400
Religious Medical Trust members call 800-807-0500
*The following claim codes specific to conoravirus will cover 100% of the cost with no member cost share for a participant regardless of the diagnosis billed: 0099U, 0100U and 0098U. The codes 87631-87633 (nonspecific, but includes coronavirus) will also be covered 100% with no member cost share if billed with any of these specific coronavirus diagnosis codes: B34.2, B97.21, B97.29, J12.81. These include CMS HCPCS codes U0001 and U0002, which are used specifically for CDC testing laboratories to test and track patients for SARS-CoV-2/2019-nCoV (COVID-19).