Your Benefits & COVID-19
For the safety and wellbeing of our staff and all Cooperative members, the Benefit & Wellness Office is temporarily closed. However, we are continuing to operate during normal business hours (Monday - Friday, 8am - 5pm). All inquiries are to be completed via email or telephone.
The Benefits & Wellness Office will continue to regularly communicate via e-mail to our Cooperative members about policies and resources in place to help manage COVID-19 and the unique challenges it presents. To ensure you are receiving these e-mail updates, create an account at fccThriveOn.com
If you have any questions (COVID or non-COVID related), please reach out to our office. We are here to help!
As we navigate the current public health crisis surrounding COVID-19, access to care and resources may be interrupted. However, there are a number of existing programs and new policies to help you manage your physical and emotional health during this time. Find them listed below by benefit program and check back for regular updates.
ALL INFORMATION LISTED BELOW IS UP-TO-DATE AS OF APRIL 14, 2020.
- 100% Coverage of COVID-19 testing
- Telehealth visits with your provider:
During this unprecedented crisis and in an effort to prevent the spread of disease, your local medical provider may be offering telehealth options. Call your provider to find out if this is an option for you.
Telehealth with your local medical provider
may be available for both COVID-19 and other health concerns. Telehealth visits are covered at a $0 copay.
is covered 100% if your provider offers telehealth services for emergency evaluations. Reach out to your provider directly to see if they are offering telehealth options.
Telehealth for Vision
is covered for the month of April for any essential (urgent) medical eye care needs. Reach out to your provider directly to see if they are offering telehealth options.
- Medical Virtual Visits through UHC:
At this time, Virtual Visits cannot be used to test for, treat or refer patients for testing of COVID19.
However, Virtual Visits remain a good option for conditions such as allergies, bladder/urinary tract infection, diarrhea, migraine/headache, pinkeye, sinus problems and stomachaches.
There are three ways to engage Virtual Visits through United Healthcare:
2. Dr. on Demand
Virtual Visits are experiencing a surge in appointment requests. This has resulted in longer than normal wait times. As of April 14, 2020, shorter wait times have been experienced using Teladoc. Click here for step-by-step instructions on how to schedule a visit using Teladoc.
- Behavioral Health Virtual Visits: Remain available to you and your dependents at a $0 copay. During this challenging time, it may be difficult to leave your home for therapy appointments due to social distancing or quarantine. If you are currently engaged with a local provider and do not feel comfortable or are not able to leave your home for therapy, please reach out to your provider's office directly to ask if they have virtual visit options.
If you or your provider does not have the technology required for a video-enabled session(i.e. smartphone, webcam, etc.), telephonic therapy is covered until April 30, 2020. Speak with your provider about conducting a video-enabled or telephonic visit to continue receiving treatment.
If you are not currently engaged with a local provider, click here to learn more about scheduling a Virtual Visit appointment.
Click here for step-by-step instructions on how to schedule a Behavioral Health Virtual Visit.
- Free Emotional Support Helpline:
Optum is offering a free 24/7 emotional support helpline for all individuals impacted. The tollfree emotional support helpline at (866) 342-6892 is free of charge and available to anyone, so you can share it with family and friends.
With Talkspace online therapy, you can regularly communicate
(message or video chat) with a therapist, safely and securely from your phone or
desktop. Make progress. No office visit required. Talkspace is convenient, safe and secure. Simply register (first visit only) and choose a provider at
. Then message anytime, anywhere.
You must be enrolled in Behavioral Health benefits to have access to Talkspace at no cost. When prompted to enter your member ID during registration, enter your full SSN. Your group number is 15010
: On-demand help with stress, anxiety and depression. Sanvello is an app that offers clinical techniques to help dial down the
symptoms of stress, anxiety and depression — anytime. Connect with powerful tools that are there for you right as symptoms come up.
The Sanvello app is available to you at no extra cost as part of your behavioral health benefits. To download the upgraded version of the app, click here or visit LiveandWorkWell.com.
Login with your HealthSafeID. The link to download Sanvello is at the bottom of the home page. You must be enrolled in Behavioral Health benefits to have access to Sanvello at no cost. If requested, your member ID is your full SSN and your group number is 15010.
- Other Resources
: In addition, EAP can also help you locate the resources listed below as it relates to COVID-19. Visit liveandworkwell.com
for more information.
- Refill Too Soon Waiver: OptumRx is allowing you to refill medications early to
ensure an uninterrupted supply. You may refill prescription medications early at
retail or mail-order if you have refills remaining on file. The refill must be consistent with the supply previously filled (30 or 90 day supply).
- Prior Authorization (PA) Extension: OptumRx will automatically extend existing PA approvals for most chronic medications set to expire prior to May 1, 2020 for an additional 90 days. Prior Authorization requirements for medications that are newly prescribed will remain in place.
- Specialty Medications Extended Supply Distribution: When a patient calls to
refill their specialty medication, Optum Specialty Pharmacy will offer patients a
onetime, 90-day supply of key chronic specialty medications (versus the traditional 30 day supply). This policy will not apply to patients who are newly initiated on a specialty therapy and will not auto-dispense medications in supplies >30 days without direct consent of the patient.
- Free home delivery: Many local pharmacies, i.e. CVS, are offering free home
delivery through the duration of the COVID-19 pandemic. Check with your local
pharmacy to see what your options are. In addition, OptumRx is offering free home delivery (mail order) for most prescriptions. Click here for more information.
- Over-the-Counter medications and menstrual products are now eligible expenses
to purchase with your Flexible Spending Account (FSA) without
a prescription effective January 1, 2020. Previously, a prescription was required to purchase over-the-counter medications. In order for your FSA card to approve these items at the point of sale, the pharmacy must have the item coded as FSA eligible. If the item is not approved at the point of sale or if you have any expenses that you already incurred on/or after January 1st
, you may submit a request for manual reimbursement.
Submit your claim online by logging into www.fccbenefits.com
, downloading the MyChoice Mobile App
, or send the Healthcare Reimbursement Form
via email, fax, or mail. Remember to include your itemized receipt.
- Healthcare FSA: Healthcare FSA elections may be changed under certain
circumstances, including commencement or return from a temporary leave of
absence. Please contact the Benefits Office to discuss all available options and to
request election changes.
- Dependent Care FSA: Do you have a change in dependent care expenses due to COVID-19? Follow the steps below to update your Dependent Care FSA election. You do not need to submit any documentation to receive approval. However, the request must be completed within 30 days of the change in your dependent care expenses.
To report a change in dependent care expenses:
• Login to www.fccbenefits.com.
• Select Change My Benefits
• Select Life Event
• Select Update Dependent Care Expenses.
• Follow the prompts to drop, reduce, or increase your annual election.
• Approve and Agree.
For questions about the above information regarding FSA, please contact the
Benefits & Wellness Office.
Has your dependent recently lost coverage?
Has your dependent recently lost other health coverage?
Loss of coverage is a qualified life event. If your dependent has recently lost other coverage, you can add them to your health plan. Proof of the loss of other coverage is required. Dependent Verification is required if you are enrolling a new dependent, i.e. spouse or child. Refer to Definitions and Required Documents. Life Events and required documentation must be submitted within 30 days of the event.
To add a dependent due to loss of other coverage:
• Login to www.fccbenefits.com.
• Select ‘Change My Benefits’.
• Select “Life Event’.
• Select ‘Loses Other Coverage’.
• Follow the prompts to make changes to your health and voluntary elections.
• Approve and Agree.
Below you will find all the of the communications that have gone out from the Benefits & Wellness Department since the COVID-19 pandemic. They are in order from most recent to least recent. We encourage you to check the text above for the most up-to-date and accurate information.
4/22: Your Benefits & COVID-19: What you need to know about FSA and more
4/9: Your Benefits & COVID-19: Telehealth, Virtual Visits and other resources
3/27: Your Benefits & COVID-19: Virtual Visits UPDATE
3/25: Your Benefits & COVID-19: Virtual Options & Resources
3/18: Your Benefits & COVID-19: What You Should Know
In addition to the communications listed below, the weekly ThriveOn communication, ThriveOn Thursday will continue. Access the ThriveOn Thursday messages by clicking here.
3/25: All Onsite events postponed through end of April
3/18: Gym Membership Reimbursement & COVID-19
4/2: April Virtual Programming Calendar
5/27: All Onsite events cancelled through end of 2020
6/8: 4 for $300 UPDATES
Medical Virtual Visits Instructions for UHC app/Teladoc
Medical Virtual Visits Instructions for Dr. on Demand
Medical Virtual Visits Instructions for Amwell
Behavioral Health Virtual Visit Instructions
Tips for Mental Health during a quarantine
Tips to help Children during a quarantine
Tips to help older adults and their caregivers during a quarantine