COVID-19 UPDATE

A Note from Our President

Keith Barnes has reaffirmed ChiroPreferred's commitment and ability to protect and support our customers during this crisis and beyond.

ChiroPreferred’s COVID-19 FAQs and Risk Resources

We know the COVID-19 (Coronavirus) pandemic is generating concerns and questions for everyone right now — including chiropractors. To support you during this time, we’ve put together a few resources to help answer coverage questions and offer guidance on how to manage this outbreak.

COVID-19
Frequently Asked Questions

We've put together a list of FAQs to address some common concerns you may have during this time.

COVID-19
Resources

Additionally, we are maintaining a series of links to COVID-19 risk resources from authoritative organizations.

Finally, we wish to honor and thank our customers for continuing to play a vital role in supporting our communities through this crisis. We’re honored to support your work.

 

Frequently Asked Questions

The responses below are intended to apply for circumstances arising from the COVID-19 pandemic and are subject to revision as circumstances evolve.

> UPDATED OCTOBER 27, 2020

Coverage Questions

Please note all coverage is subject to actual policy terms and conditions.

What should I do if I have questions relating to employment matters in my practice (e.g., asking employees to come to work, sign waivers, go on furlough, take pay cuts, etc.)?


We recommend seeking advice from your personal/employment attorney.




How are the COVID-19 developments impacting ChiroPreferred staff and service?


Our commitment to the health and wellbeing of our employees and families is of utmost importance. We are presently taking steps in each of our office locations to protect our staff and reduce the potential for community spread. While our goal is to avoid or minimize any adverse impact to our customers, we will keep you apprised and updated of any further changes that may cause a disruption to our service levels. To play our part in reducing the spread of this virus, we’ve restricted all business travel, but remain available by phone, email, video conferencing, etc.




How should I document changes or variations in care as a result of the COVID-19 pandemic?


ChiroPreferred recommends developing a consistent approach to documentation that includes an explanation such as “In response to the COVID-19 pandemic, …” and further describes decision-making, actions, variations in care, follow-up treatment, etc. For example:

  • “We are rescheduling [PATIENT NAME] appointment because it is not considered an essential treatment under the state’s emergency declaration in response to the COVID-19 pandemic. The appointment was rescheduled for [DATE], and the patient was advised to contact the practice or go to the emergency department if any changes occur.”





 
 

Billing Questions

How is MedPro handling premium payments during the COVID-19 pandemic?


In response to the COVID-19 pandemic and state of emergency declarations, MedPro announced in March that it was temporarily postponing until June 30, 2020 the due dates for outstanding premium payments originally due on or after March 13, 2020, or as otherwise required.

MedPro subsequently announced and implemented a deferred payment plan for insureds who met certain qualifications and faced challenges in paying the full amount due by June 30, 2020. While the offer date has since expired to enroll in the deferred payment plan in most states (except in Arkansas, New Jersey and Oregon)*, we encourage insureds to contact their agent/broker should financial circumstances prevent payment in full of billed premiums when due.

Click here to view state-specific premium relief information. States requiring additional payment options include AR, DC, MI, NJ, NM, NY and OR. We will continue to monitor developments, including state regulatory changes, and adjust our response accordingly.

Please contact your agent/broker with questions (or call MedPro Customer Service at 800-463-3776 if you don’t have an agent/broker).




What if my practice is being temporarily suspended or reduced due to COVID-19 developments?


Insureds in some locations and specialties may qualify for a premium discount. Please contact your agent/broker to discuss whether you might qualify.




What if I am a New York policyholder whose premium payments are impacted by financial hardship due to COVID-19?


Click here to read about the payment relief we are offering our New York policyholders. On March 30, 2020, following Executive Order No. 202.13 by the Governor of New York, the New York Department of Financial Services (DFS) issued an Emergency Regulation requiring insurers to grant premium payment relief to New York consumers and small businesses experiencing financial hardship due to COVID-19.





 

Other Questions

What should I do if I have questions relating to employment matters in my practice (e.g., asking employees to come to work, sign waivers, go on furlough, take pay cuts, etc.)?


We recommend seeking advice from your personal/employment attorney.




How are the COVID-19 developments impacting ChiroPreferred staff and service?


Our commitment to the health and wellbeing of our employees and families is of utmost importance. We are presently taking steps in each of our office locations to protect our staff and reduce the potential for community spread. While our goal is to avoid or minimize any adverse impact to our customers, we will keep you apprised and updated of any further changes that may cause a disruption to our service levels. To play our part in reducing the spread of this virus, we’ve restricted all business travel, but remain available by phone, email, video conferencing, etc.




How should I document changes or variations in care as a result of the COVID-19 pandemic?


ChiroPreferred recommends developing a consistent approach to documentation that includes an explanation such as “In response to the COVID-19 pandemic, …” and further describes decision-making, actions, variations in care, follow-up treatment, etc. For example:

  • “We are rescheduling [PATIENT NAME] appointment because it is not considered an essential treatment under the state’s emergency declaration in response to the COVID-19 pandemic. The appointment was rescheduled for [DATE], and the patient was advised to contact the practice or go to the emergency department if any changes occur.”