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There is nothing to like about Covid. So far I am aware of five employees or dependents of our group medical insurance clients who have come down with the disease. None have resulted in death, but that’s not the issue. I have been pleased with how the insurance companies our agency represents have handled the challenge. In March our medical insurers said that they would cover testing at 100%. I’m not aware of any of them that are now not covering 100% of treatment as well.

I have noticed a general decrease in medical claims for our level funded plans for the months of April and May. Speaking with one insurance company executive, he indicated that telemedicine visits were through the roof, prescription drug claims had not decreased, but that elective surgeries were obviously down.

It will be interesting to see if this translates into lower premium increases in the coming months. Stay tuned…

Angus McRae

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