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HomeMy WebLinkAbout11.24.20 FW_ SYASL COVID-19 Update From:Ring, Brian To:Alpert, Bruce;Bennett, Robin;Clerk of the Board;Connelly, Bill;Cook, Holly;Lambert, Steve;Lucero, Debra; McCracken, Shari;Paulsen, Shaina;Pickett, Andy;Ring, Brian;Ritter, Tami;Rodas, Amalia;Sweeney, Kathleen; Teeter, Doug Cc:Pickett, Andy;Snyder, Ashley Subject:FW: SYASL COVID-19 Update Date:Tuesday, November 24, 2020 4:54:49 PM Attachments:SYASL COVID-19 Update 11.24.20.pdf Good afternoon Board – FYI. Brian Ring Assistant Chief Administrative Officer Administration 25 County Center Drive, Oroville, CA 95965 From: SYASL County Info <SYASLCountyInfo@SYASLpartners.com> Sent: Tuesday, November 24, 2020 3:59 PM To: SYASL County Info <SYASLCountyInfo@SYASLpartners.com> Subject: SYASL COVID-19 Update ATTENTION: This message originated from outside Butte County. Please exercise judgment before opening .. attachments, clicking on links, or replying. To: County Administrative Officers and Interested Parties From: Paul J. Yoder and Karen Lange Date: November 24, 2020 RE: SYASL COVID-19 Update Please find attached our daily SYASL COVID-19 update. -Paul and Karen COVID-19 Updates www.covid19.ca.gov November 24, 2020 Newsom Administration - Resources / Mutual Aid / Executive Orders Today, California Health and Human Services Secretary Dr. Mark Ghaly expressed continued concern over rising COVID-19 case rates. He urged Californians to be mindful during the Thanksgiving holiday, consider alternative plans, eat outdoors, and adapt as necessary to keep physically distanced and mitigate spread. He also provided an update on the County Tier status as of today: o Purple: 45 (back to Purple: Colusa, Del Norte, Humboldt, and Lassen) o Red: 8 (back to Red: Calaveras) o Orange: 5 (back to Orange: Alpine, Mariposa) o Yellow: 0 here, and SYASL staff notes here. Also today, Governor Newsom issued the States first Innovation Impact Report highlighting public-private-partnerships that have contributed S-19 response, and more. View here. Please check the California Department of Public Health website here for the latest guidance documents. Vote Safe California CalMatters has obtained documents that provide a behind-the-scenes look at the controversial contract for Vote Safe California, view here. Legislative / Budget News Yesterday, the Senate Health Committee held an informational hearing: COVID Care: Role of Private Insurance. You may view hearing materials here, and SYASL staff notes here. -19 here page for updates. The LAO has been releasing a series of reports regarding Federal actions affecting California related to developments around COVID-19. View here. COVID CARE: ROLE OF PRIVATE HEALTH INSURANCE November 23, 2020 1:30 pm Senate Chamber I. Opening Remarks II. COVID-19 Testing Requirements, Guidelines, and Cost Surprise COVID Bill David Sharp, Resident of Alameda County Federal and other states Sabrina Corlette, J.D., Research Professor, Center on Health Insurance Reforms, Georgetown University McCourt School of Public Policy California Sarah Ream, Acting General Counsel, Department of Managed Health Care Bruce Hinze, Senior Health Policy Attorney, California Department of Insurance Kathleen Jacobson, MD, Center for Infectious Disease, California Department of Public Health III. Experience on the ground Kelsey R. Waldronalth Consumer Center William M. Isenberg, M.D., PhD, Chief Quality & Safety Officer, Sutter Health Dierdre "Dede" Kennedy, President, BenAssist Health Insurance Services, Chair, Legislative Committee, Los Angeles Association of Health Underwriters Trina Gonzalez, Vice President, Policy, California Hospital Association William Barcellona Kristi Foy, Executive Director, California Clinical Laboratory Association Nick Louizos, Vice President of Legislative Affairs, California Association of Health Plans IV. COVID-19 Vaccines and Treatment Federal and other states Sabrina Corlette, J.D., Research Professor, Center on Health Insurance Reforms, Georgetown University McCourt School of Public Policy California Sarah Ream, Acting General Counsel, Department of Managed Health Care Bruce Hinze, Senior Health Policy Attorney, California Department of Insurance Tricia Blocher, Deputy Director, Emergency Preparedness Office, California Department of Public Health V. Experience on the ground David Lubarsky, M.D., MBA Chief Executive Officer, UC Davis Health & Vice Chancellor, Human Health Sciences and Timothy E. Albertson, M.D., M.P.H., Ph.D. Distinguished Professor and Chair, Department of Internal Medicine and Principal Investigator for the Pfizer COVID-19 vaccine trial at UC Davis Health Trina Gonzalez, Vice President, Policy, California Hospital Association Jeanette Thornton, Senior Vice President of Product, Employer, and Commercial Policy, Americas Health Insurance Plans Diana Douglas, Policy and Legislative Advocate, Health Access California VI. Public Comment *Tenga en cuenta que los documentos traducidos quizá no se actualicen tan rápido como las versiones en inglés. California tiene un proyecto para reducir la COVID-19 en el estado que incluye criterios revisados para reducir y ajustar las restricciones en las actividades. Se asigna un nivel a cada condado de California de acuerdo con los resultados positivos de las pruebas y el índice de casos ajustado para la asignación del nivel. Además, una métrica de equidad en materia de salud entró en vigor el 6 de octubre de 2020.Para poder avanzar al siguiente nivel menos restrictivo, cada condado tendrá que cumplir con una métrica de equidad o demostrar inversiones destinadas a eliminar las disparidades en los niveles de transmisión de COVID-19, según su tamaño. La Métrica de Equidad en Materia de Salud de California está diseñada para ayudar a guiar a los condados en sus esfuerzos constantes por reducir los casos de COVID-19 en todas las comunidades y requiere de esfuerzos más intensos para prevenir y mitigar la propagación de la COVID-19 entre los californianos que se han visto afectados de manera desproporcionada por esta pandemia. Actualizaciones a partir del 11/16/2020: Debido al reciente aumento sin precedentes de la tasa de aumento de casos, a pesar de la estrategia del proyecto que se describe a continuación, los siguientes cambios están en vigor hasta nuevo aviso: o La asignación de niveles puede llevarse a cabo cualquier día de la semana y puede realizarse más de una vez por semana si el CDPH determina que los datos fiables más recientes indican que se necesita una acción inmediata para abordar la transmisión de la COVID-19 en un condado. o Es posible que los condados retrocedan más de un nivel si el CDPH determina que los datos justifican una intervención más intensiva. Las consideraciones clave incluirán la tasa de aumento de nuevos casos o los resultados positivos de las pruebas, datos más recientes como se indica a continuación, la capacidad de la salud pública y otros factores epidemiológicos. o Se utilizarán los datos fiables más recientes para realizar la evaluación. o Ante las circunstancias extremas que requieren una acción inmediata, los condados deberán aplicar cualquier cambio de sector al día siguiente del anuncio del nivel. Se actualizó la Tabla de datos del proyecto de California (Excel) para mostrar el estado del nivel del condado, la fecha de asignación del nivel, la tasa de casos ajustada para la asignación del nivel y la cantidad de resultados positivos de las pruebas. Las solicitudes de los condados para la asignación de niveles no mantendrán al condado en el nivel actual durante la asignación; además, debido al entorno actual de rápido aumento de casos y transmisión generalizada de la enfermedad en todo California, es poco probable que se aprueben las solicitudes de asignación de niveles, a menos que se presenten circunstancias y datos únicos y extremos que justifiquen cómo el condado no se ve afectado por los aumentos en todo el estado. Más información sobre el proyecto: Consulte el estado de las actividades de su condado Conozca qué actividades y negocios están abiertos en los cuatro niveles(PDF) Obtenga más información sobre la Métrica de Equidad en Materia Salud de California y los Planes de inversión en equidad específicosde cada condado Solicitud de adjudicación del nivel del condado Explore los datos completos por condado: Tabla de datos del proyecto de California(Excel) Encuentre las tablas de datos archivadas del proyecto de California Proyecto para una economía más segura| Para otros idiomas, visite nuestrapágina de documentos multilingües. Plan para reducir la COVID-19 y acomodar las actividades permitidas en el sector con el fin de mantener la salud y seguridad de los residentes de California Esta guía detalla la estrategia actualizada para progresar de manera segura con la apertura de más negocios y actividades teniendo en cuenta la pandemia. La estrategia informada en esta guía se desarrolló teniendo en cuenta el mayor conocimiento sobre las vulnerabilidades en la transmisión de la enfermedad, así como los factores de riesgo, y tiene los siguientes objetivos: 1.Avanzar con las fases según los niveles de riesgo y con un tiempo apropiado entre cada fase y en cada condado, para poder evaluar detenidamente los impactos de cualquier cambio. 2.Reducir de manera resolutiva la transmisión de casos al mínimo posible en todo el estado para que la potencial carga de la gripe y la COVID-19 a finales del otoño y durante el inverno no generen complicaciones en la capacidad del sistema de atención médicade administrar el espacio, los insumos y el personal. Además, como el clima frío hace que más actividades se realicen bajo techo, los bajos niveles de transmisión en la comunidad reducirán la probabilidad de que se produzcan brotes importantes en estos entornos más riesgosos. 3.Simplificar la estrategia y establecer objetivos claros sobre la transmisión de la enfermedad en los condados para el trabajo futuro. Estrategia en niveles Esta estrategia detalla las medidas que cada condado debe tomar, de acuerdo con los indicadores que analizan la carga de la enfermedad, las pruebas y la equidad sanitaria. Un condado puede optar por ser más restrictivo que esta estrategia. Esta estrategia también destaca las señales de preocupación, como el impacto en la capacidad de la atención médica que puede atenuar la intervención. Esta estrategia reemplaza a las métricas anterioresde monitoreo de datos del condado. Amedida que la pandemia de la COVID-19 continúe siendo una situación en desarrollo y haya nueva evidencia y conocimientos al respecto, el Departamento de Salud Pública de California (CDPH, por sus siglas en inglés), en colaboración con otros funcionarios estatales, continuará reevaluando las métricas y los límites. Consulte en la siguiente tabla las métricas de la estrategia establecidas según los niveles basados en el riesgo de transmisión comunitaria de la enfermedad. El cálculo de las métricas se describe en el Apéndice 1.Consulte la descripción de la métrica de equidad en materia desaluden la página de Métrica de equidad en materia de salud. Mayor riesgo Menor riesgo de transmisión comunitaria de la enfermedad*** Nivel 1Nivel 2Nivel 3Nivel 4 PropagadoSignificativoModeradoMínimo Medida Índice de casos >74-71-3.9<1 ajustado según el nivel** (Índice cada 100,000 personas*, excepto los casos en prisiones^; promedio de 7 días con retraso de 7 días) Resultados positivos >8%5-8%2-4.9%<2% de las pruebas^ (Excepto los casos en prisiones^; promedio de 7 días con retraso de 7 días) Las métricas con valores mayores o menores que los puntos de división de los niveles por 0.05 se redondearán hacia arriba o hacia abajo, implementando las reglas de redondeo convencionales. ^No incluye los reclusos estatales y federales, losdetenidos encentros de detención del Servicio de Inmigración y Control de Aduanas (ICE),los reclusos del hospital estatalni los detenidos en el Servicio de Alguaciles de los Estados Unidos. *Denominadores de población del Departamento de Finanzas: Proyecciones de la población del estado:Población total por condado -Tabla P-1 **El índice de casos se determinará según los casos confirmados por PCR. *** Se asignará un nivel a los condados según dos métricas: los resultados positivos de las pruebas y el índice de casos.Los condados grandes con más de 106,000habitantes también deben cumplir con la métrica de equidad en materia de salud que se describeen la página de la métrica de equidad en materia desalud, para avanzar a un nivel menos restrictivo. El índice de casos se ajusta según el volumen de pruebas cada 100,000habitantes, como se describe a continuación. Debidoa la variabilidad de los datos, este ajuste no aplica a los condados pequeños (es decir, los que tienen una población inferior a 106,000habitantes). A medida que los condados se concentran en realizar más pruebas en sus cuartiles de equidad en materia de salud y en incentivar la apertura de escuelas, es posible que tengan una mayor cantidad de casos. Queremos evitar que se detenga el aumento de pruebas, dado que los resultados positivos son pocos y se dispone de capacidad suficiente para rastrear los contactos estrechos e implementar el aislamiento. Por lo tanto, aumentaremos el ajuste para que se realice un mayor volumen de pruebas. Para los condados que tienen un volumen de pruebas superior a la mediana del estado, el factor es inferior a 1, el cual disminuye de manera lineal de 1.0 a 0.5, a medida que el volumen de pruebas aumenta al doble de la mediana del estado. Elfactor permanece en 0.5si el volumen de pruebas es superior al doble de la mediana del estado. Para los condados que tienen un volumen de pruebas inferior a la mediana del estado, el factor es superior a 1, el cual aumenta de manera lineal de 1.0 a 1.4, a medida que el volumen de pruebas disminuye de la mediana del estado a cero. Sinembargo,este ajuste para el volumen bajo de pruebas no aplicará a los condados con resultados positivos de las pruebas <3.5%. Factor de ajuste del índice de casos de COVID-19 en California Volumen de pruebasFactor de ajuste del índice de casos* 01.4 0.25*Media del estado1.3 0.50*Media del estado1.2 0.75*Media del estado1.1 Media del estado1 1.25*Media del estado0.875 1.5*Media del estado0.75 1.75*Media del estado0.625 2.0*Media del estadoy superior0.5 Los condados con menos de 106,000 habitantes estaránexentos de los ajustes de las tasas de casos, y los condados con una cantidad de resultados positivos de las pruebas <3.5% estarán exentos de los ajustes de las tasas de pruebas inferiores a la media del estado. Si las dos métricas no están en el mismo nivel, la asignación de nivel del condado se determinará según la métrica más restrictiva. Porejemplo, si los resultados positivos de las pruebas de un condado corresponden al Nivel 3 (naranja, moderado), pero el índice de casos corresponde al Nivel 1 (violeta, propagado), se asignará el Nivel 1 al condado.El cambio de nivel se determinará de acuerdo con los criterios que se describen a continuación. Avanzar por los niveles Las reglas de la estrategia: 1.El CDPH evaluará los indicadores una vez por semana, todos los lunes, y publicará las asignaciones de nivel actualizadas los martes. 2.Un condado debe permanecer en un nivel por un mínimo de tres semanas, antes de poder avanzar a un nivel menos restrictivo. 3.Un condado solo puede avanzar de a un nivel a la vez, aunque las métricas califiquen para un nivel más avanzado. 4.Si el índice de casos ajustado de un condado para la asignación del nivel y la medición de resultados positivos de las pruebas están en dos niveles diferentes, se asignará al condado al nivel más restrictivo. 5.La métrica de equidad en materia de salud se aplicaa jurisdicciones con una población de más de 106,000habitantes. Las reglas de la métrica de equidad en materia de saludse describen en la página de la métrica de equidad en materia de salud. 6.En las métricas generales, se incluirán los datos de la jurisdicción sanitaria local (LHJ, por sus siglas en inglés) de la ciudad y se asignará a las LHJ de la ciudad el mismo nivel que el condado circundante. 7.Una LHJ puede continuar implementando o manteniendo medidas sanitarias públicas más restrictivas si el funcionario de salud local determina que las condiciones sanitarias de esa jurisdicción justifican dichas medidas. 8.El estado del nivel entra en vigor el miércoles siguiente acada anuncio semanal de asignación que se realiza los martes. Para avanzar: 1.Un condado debe haber estado en el nivel actual por un mínimo de tres semanas. 2.Un condado debe reunir los criterios del siguiente nivel menos restrictivo para el índice de casos ajustado y los resultados positivos de las pruebas durante las dossemanas previas consecutivas para pasar al siguiente nivel. 3.Además, el estado establecerá las medidas de equidad sanitarias para demostrar la capacidad de un condado para abordar a sus comunidades más afectadas. Para retroceder: 1.Durante la evaluación semanal, si elíndice de casos ajustado o los resultados positivos de las pruebas de un condado han caído en un nivel más restrictivo por dos períodos semanales consecutivos, el estado revisará los datos de los últimos 10días y, si el CDPH determina que existen señalesobjetivas de mejora, el condado podrá permanecer en el nivel. Si los datos de los últimos 10días del condado no incluyen señales objetivas de mejora, el condado deberá revertir el nivel más restrictivo. Para evaluaciones de semanas subsiguientes, rigen las reglas que se especificanarriba. 2.En cualquier momento, los funcionarios de salud pública estatales y de los condados pueden trabajar juntos para determinar las intervenciones específicas o las modificaciones necesarias en todo el condado para abordar la capacidad hospitalaria afectada y los factores que impulsan la transmisión dela enfermedad, según sea necesario, incluido el cambio de un nivel a otro. Las consideraciones clave también incluirán la tasa de aumento de nuevos casos o losresultados positivos en las pruebas, los datos más recientes como se ha señalado anteriormente, la capacidad de salud pública y otros factores epidemiológicos. 3.A los condados con una población inferior a 106,000habitantes se les aplicará un criterio de condado pequeño para garantizar que el pasoa un nivel más restrictivo sea adecuado. A continuación,se describe la estrategia para los condados pequeños. 4.Los condados tendrán tres días, a partir del miércoles después de que se anuncien las asignaciones de nivel los martes, para implementar cualquier cambio o cierre en el sector, a menos que circunstancias extremas ameriten una acción inmediata. Estrategia para condados pequeños Debido a que lamétrica de índice de casos de California está normalizada por cada 100,000 habitantes, varios condados con poblaciones pequeñas han experimentado grandes oscilaciones en su índice de casos diarios como resultado de una pequeña cantidad de casos nuevos informados. En algunos condados, esto ha hecho surgir la necesidad de volver a un nivel más restrictivo, a pesar de la estabilidad general de la enfermedad y de la capacidad demostrada para rastrear, hacer un seguimiento, investigar y tratarlos casos. Por ejemplo, una vez que un condado pequeño se encuentra en el nivel amarillo, una pequeña cantidad de casos (tan solo 1 caso por semana durante 2 semanas consecutivas) podría hacer que volviera a un nivel más restrictivo. Sibien la proporción general de casos puede ser la misma que la de un condado más grande, la cantidad absoluta de casos también es un factor importante para evaluar la capacidad del condado de controlar la transmisión mediante la investigación de la enfermedad, la localización de los contactos y el aislamiento. No redunda en interés de la salud pública de las comunidades cerrar o restringir sectores empresariales enteros sobre la base de una cantidad tan pequeña de casos, y en algunas situaciones un pequeño giro en el recuento de casos semana tras semana puede hacer que un condado pase del nivel amarillo al nivel violeta. Comoel estado quiere evitar cambios rápidos en el estado del nivel sobre la base de pequeños cambios en la cantidad absoluta de casos, estamos creando una medida alternativa de evaluación de casos que se aplicará a los condados pequeños. Loscondados 1 pequeños se definen como aquellos que tienen menos de 106,000 habitantes. Medida alternativa de evaluación de casos. Loscondados pequeños están sujetos a todas las reglas existentes del proyecto (umbrales de resultados positivos de las pruebas, duración mínima de 3 semanas en un nivelantes de pasar a un nivel menos restrictivo, imposibilidad de saltarse un nivel mientras se pasa de una designación de nivel más restrictiva a otra menos restrictiva, etc.) con la excepción de los umbrales del índice de casos que se describen a continuación. 1 Veintidós condados de California tienen una población de menos de 100,000 habitantes.Sutter, que tiene una población de 106,000 habitantes, también se incluye ya que comparte un oficial de salud con el condado de Yuba.Los condados por debajo de este tamaño tienen desafíos y oportunidades similares para controlar la transmisión de la COVID-19 y, en general, no tienen ciudades grandes o densamente pobladas. Esta distinción influye en la rapidez con que la transmisión de la COVID-19 puede aumentar más allá de los hogares y en la capacidad del condado para identificar y contener rápidamente los brotes con los recursos existentes de rastreo de contactos, aislamiento y cuarentena. La medida alternativa de evaluación de casos proporciona una protección a los condadospequeños contra los cambios de nivel repentinos como resultado de pequeños cambios en los casos durante un período de dos semanas. En el caso de un condado pequeño que tenga resultados positivos en las pruebas que cumplan el umbral del nivel actualmente asignado a ese condado, pero que esté marcado para pasar posiblementea un nivel más restrictivo sobre la base de su evaluación semanal del índice de casos, se aplicarán los siguientes criterios en lugar delos umbrales del índice de casos del proyecto. Si el condado excede los siguientes números de casos semanales absolutos en función de su población y su nivel durante dos semanas consecutivas, deberá pasar a un nivel más restrictivo: Nivel actualHab. 35K-70KHab. 70K-106K Amarillo71421 Naranja142128 Rojo354249 Paso al nivel amarillo Al pasar del nivel violeta al rojo, o del rojo al naranja, los condados pequeños quedan sujetos a todas las reglas actualesdel Proyecto (umbrales de resultados positivos, duración mínima de tres semanas en un nivel antes de pasar a un nivel menos restrictivo, incapacidad de omitir un nivel al pasar de un nivel más restrictivoa uno menos restrictivo, etc.) Para que un condado pequeño pase del nivel naranja al amarillo, debe alcanzar el umbral existente de resultados positivos de menos del 2%. Sin embargo,en lugar de alcanzar el umbral diario establecido de la tasa de casos de menos de 1 caso por cada 100000, un condado pequeño puede tener una tasa de casos diarios menor o igual que 2casos por cada 100000. Cabe destacar que estos son los mismos parámetros que se usan para los criterios de aceleración de la equidad en materia de salud del nivel amarillo. Criterios de riesgo Las actividades y los sectores comenzarán a abrirsegún su nivel específico basado en los criterios de riesgo(PDF), como se detalla a continuación. Lasactividades o los sectores de menor riesgo pueden abrir antes y las actividades o los sectores de mayor riesgo no pueden abrir hasta que se encuentren en fases más avanzadas. Muchas actividades o sectores pueden incrementar el nivel de las operaciones y la capacidad, a medida que un condado reduzca su nivel de transmisión. Criterios utilizados para determinar los sectores de riesgo bajo/medio/alto Capacidad de permitir el uso de mascarilla en todo momento (p.ej., para comer y beber, uno debe quitarse la mascarilla) Capacidad de mantener la distancia física entre personas de diferentes hogares Capacidad de limitar la cantidad de personas por pie cuadrado Capacidad de limitar la duración de la exposición Capacidad de limitar la cantidad de personas de diferentes hogares y comunidades juntas Capacidad de limitar la cantidad de interacciones físicas entre visitantes y dueños Capacidad de optimizar la ventilación (p. ej., en interiores vs. aire libre, cambio de aire y filtración) Capacidad de limitar las actividades que aumenten la propagación (p.ej., cantar, gritar, respirar profundo; los ambientes ruidosos harán que las personas eleven la voz) Escuelas Las escuelas pueden reabrir parala enseñanza en persona según los criterios equivalentes de laEstrategia para la reapertura de escuelas(PDF) del 17 de julio, previamente anunciada.Esa estrategia permanecerá en vigor, salvo que el Nivel 1 se reemplaza por la Lista previa de monitoreo de datos del condado (que tiene criterios para el índice de casos equivalentes a los del Nivel 1). Las escuelas de los condados que pertenezcan al Nivel 1 no pueden reabrir para la enseñanza en persona, pero los departamentos de salud locales otorgaron algunas exenciones para los grados kínder de o transición a 6.. Las escuelas que no están autorizadas a reabrir, incluidas las escuelas o de kínder de transición a 6.grado que no recibieron una exención, pueden proporcionar supervisión y servicios estructurados en persona a los estudiantes de acuerdo con laGuía para cohortes/grupos pequeños de niños y jóvenes. Las escuelas serán elegibles para reabrir parcialmente para la enseñanza en persona de acuerdo con las pautas específicas del sector para las escuelas de California cuando el condado haya salido del Nivel 1 (y, por lo tanto, esté en el Nivel 2) por 14 días, como mínimo, lo cual es similar a estar fuera de la Lista de monitoreo de datos del condado por 14 días, como mínimo. Comose mencionó antes, una LHJ puede continuar implementando o manteniendo medidas sanitarias públicas más restrictivas si el funcionario de salud local determina que las condiciones sanitarias de esa jurisdicción justifican dichas medidas. Como se indicó en laestrategia de reapertura de escuelas(PDF) del 17 de julio,las escuelas no deben cerrar si un condado regresa el Nivel 1, pero sí deben considerar realizar pruebas del personal para controlar la situación. Proceso de adjudicación de nivelesdel condado Para obtener más información, visite nuestra página de Solicitud de adjudicación del nivel del condado. APÉNDICE 1: Cálculo de las métricas Métrica Definición Índice de casos Se calcula como el número diario promedio (la media) de casos de (índice cada 100,000 COVID-19, excepto los casos de (a) personas que no son del estado o personas, excepto los cuyo condado de residencia se desconoce y (b) personas encarceladas casos en prisiones; en prisiones estatales o federales, personas detenidas en centros de promedio de 7 días detención del Servicio de Inmigración y Control de Aduanas (ICE), o con retraso de 7 días) personas que se encuentran en el Departamento de Hospitales Estatales (identificados como casos con un nombre o una dirección de instalación asociados con estas ubicaciones), durante 7 días (según la fecha del episodio), dividido por la cantidad de personas que vive en el condado/la región/el estado. Luego, este número se multiplica por 100,000. Debido a los retrasos en los informes, este cálculo tiene un retraso de 7 días. Por ejemplo, para los datos actualizados el 8/22/20, el índice de casos será del 8/15/20 e incluirá el índice de casos promedio desde el 8/9/20 hasta el 8/15/20. Índice de casos lineal Se calcula como el índice de casos multiplicado por el factor de ajuste del ajustado cada 100,000 índice de casos que se basa en la diferencia entre el volumen de pruebas personas por día, del condado (volumen de pruebas, pruebas cada 100,000 personas por excepto los casos en día, como se describe a continuación) y el volumen de pruebas medio del prisiones (promedio condado calculado en todos los condados. Por lo tanto, el volumen de de 7 días con retraso pruebas medio pasa a ser la referencia para este ajuste y se recalcula de 7 días) cada cuatro semanas para evitar la fluctuación excesiva y seguir teniendo en cuenta las tendencias en desarrollo de las pruebas. Para los condados que tienen un volumen de pruebas superior a la mediana, el factor de ajuste es inferior a 1, el cual disminuye de manera lineal de 1.0 a 0.5, a medida que el volumen de pruebas aumenta al doble del punto de referencia. El factor de ajuste permanece en 0.5si el volumen de pruebas del condado es superior al doble de la mediana del estado. Para los condados que tienen un volumen de pruebas inferior a la mediana del estado, el factor de ajuste es superior a 1, el cual aumenta de manera lineal de 1.0 a 1.4, a medida que el volumen de pruebas del condado disminuye de la mediana del estado a cero. La fórmula del ajuste lineal puede expresarse de manera matemática del siguiente modo: Para condados con pruebas por encima de la media del estado: 1-(((índice de pruebas del condado - índice de pruebas medio del estado)/índice de pruebas medio del estado) * 0.5) Para condados con pruebas por debajo de la media del estado: 1-(((índice de pruebas del condado - índice de pruebas medio del estado)/índice de pruebas medio del estado) * 0.4) Hay dos condiciones en las que no se aplica esta fórmula. La primera son los condados pequeños, que tienen una población inferior a 100,000, aproximadamente, de acuerdo con las proyecciones de población del Departamento de Finanzas de California (consulte la referencia * en la tabla de la estrategia en niveles). La excepción de condado pequeño evita el posible ajuste falso a causa de las fluctuaciones en las pruebas influenciadas por los eventos seculares que no están relacionados con el riesgo subyacente de transmisión. Como segunda condición para la excepción del ajuste, no se ajustarán los condados que tengan un volumen de pruebas inferior a la mediana del estado y resultados positivos de las pruebas <3.5 %, de acuerdo con la suposición de que el volumen de pruebas en estos condados puede ser inferior si los resultados positivos de las pruebas son bajos. En ambas condiciones, el índice de casos ajustado es igual al índice no ajustado. Resultados positivos Se calcula como el número de pruebas positivas de la reacción en generales de las cadena de la polimerasa (PCR, por sus siglas en inglés) para la COVID- pruebas, excepto los 19 durante un período de 7 días (según los datos de las muestras casos en prisiones, recopiladas) dividido por la cantidad total de pruebas de PCR realizadas; durante 7 días (solo esto excluye las pruebas (a) de las personas que no son del estado o PCR, con retraso de 7 cuyo condado de residencia se desconoce y (b) las pruebas realizadas a días) personas encarceladas en prisiones estatales o federales, centros de detención del ICE y hospitales estatales (identificados como casos con un nombre o una dirección de instalación asociados con ubicaciones de prisiones u hospitales estatales). Luego, este número se multiplica por 100 para obtener un porcentaje. Debido a los retrasos en los informes (los cuales pueden ser diferentes entre las pruebas positivas y negativas), existe un retraso de 7 días. Por ejemplo: Para los datos acumulativos recibidos el 6/30/20, los resultados positivos informados de las pruebas son del 6/23/20 y se calculan según las pruebas con fecha de recolección de la muestra entre el 6/17/20 y el 6/23/20. Pruebas cada 100,000 Se calcula como el número de pruebas de reacción en cadena de la personas por día, polimerasa (PCR) por día durante un período de 7 días (según la fecha excepto los casos en de recolección de la muestra), excepto las pruebas realizadas a personas prisiones (promedio encarceladas en prisiones estatales o federales, centros de detención del de 7 días con retraso ICE y hospitales estatales (identificados como casos con un nombre o de 7 días) una dirección de instalación asociados con ubicaciones de prisiones u hospitales estatales), dividido por la cantidad de personas que viven en el condado/la región/el estado. Luego, este número se multiplica por 100,000. Debido a los retrasos en los informes, existe un retraso de 7 días en el cálculo. Por ejemplo: para los datos acumulativos recibidos hasta el 8/22/20, la cantidad promedio informada de pruebas durante 7 días será del 8/15/20 e incluirá las pruebas de PCR con fechas de recolección de la muestra entre el 8/9/20 y el 8/15/20. Fuente de datos: CalREDIE Enlaces útiles Consulte el estado de las actividades de su condado Conozca qué actividades y negocios están abiertos en los cuatro niveles(PDF) Más información sobre la Métrica de equidad en materia de salud de Californiay losPlanesde inversión en equidad específicosde cada condado Solicitud de adjudicación del nivel del condado Explore los datos completos por condado(Excel) Encuentre las tablas de datos archivadas del proyecto de California Estrategia de reapertura de escuelas(PDF) Guía para cohortes o grupos pequeños de niños y jóvenes www.covid19.ca.gov Proyecto para una economía más segura| Para otros idiomas, visite nuestrapágina de documentos multilingües. Última actualización de la página: 16de noviembrede 2020 COVID-19 Response and Statewide CHHS Update, November 24, 2020 /II{ {ĻĭƩĻƷğƩǤ 5Ʃ͵ ağƩƉ DŷğƌǤ Nice to be with you on Tuesday, focused on a few things Tier assignments Walk you through our data, continued concern o Highlight hospitals o Get into Holiday Messaging COVID-19 Cases Continue to Increase Nationally o Cases throughout the nation are rising and will most likely continue to rise through the holidays o Cases in CA are growing faster than ever, we are in the midst of a surge o Need to continue to dig in and do what we can November 24 o 15,329 cases 7-day average o 12,532 Total Tests v. Test Positivity Rate o 283,819 tests One day high o 5.6% 14-day positivity 7-day test positivity o 5.9% 14-day positivity o 5.6% Closer look o Nov 10 3.7% o Nov 24 5.6% o 51% increase COVID-19 hospitalizations have increase 81.3% over last 14 dayscurrently 5,844 COVID-19 ICU hospitalizations have increased 57.1% over last 14 dayscurrently 1,397 o All based on case numbers from two weeks ago, two-week lag time in hospitalization rates o Pressure on hospitals will continue o Numbers have doubled in last two weeks Hospital System is stretched o Nov 1 2,537 hospitalized 708 ICU o Nov 23 5,844 hospitalized 1,397 ICU o 175 hospitals operating with staffing waivers o Intensive Care Units in parts of the state are already being pressed o Something we track is hospitals asking us for waivers Permission to operate with some additional patients being seen with existing staff Calculating your risk for COVID-19 o Your chance of infection = likelihood of exposure x duration of exposure/ level of protection (masks + social distancing) o Different elements that we can control o We can reduce our risk o Today we are at a higher risk than a month ago Blueprint for a Safer Economy Emergency Brake County Tier Movement o Nov 10 Purple: 13 Red: 22 Orange: 17 Yellow: 6 o Nov 16 Purple: 41 Red: 11 Orange: 4 Yellow: 2 o Today Purple: 45 Red: 8 Orange: 5 Yellow: 0 Counties moving back to Purple: Colusa, Del Norte, Humboldt and Lassen Moving back to Red: Calaveras Moving back to Orange: Alpine and Mariposa o Are any counties holding steady? Some have met the threshold metrics to move to a less restrictive tier, they have only met that threshold for one week so no reported movement this week Pulled emergency break, looking at each county Thanksgiving during a Pandemic o It is disappointing for many of us that Thanksgiving will look different this year o It is necessary to modify to pause our usual traditions this year to keep each other safe and to help stop the surge o Safest way to celebrate Thanksgiving this year is at home with members of your household or virtually The COVID Chat o Saying no to people than ever to pass up the opportunity to gather with family or friends o But knowing howand whento say no is the first step to protecting your health and the health of the people you care about o Be clear Saying no effectively starts with just thatsaying no. A simple, direct no, is the best way to make yourself understood and closes the door for negotiations o Offer alternatives Ask if there is another way to connect with the person who invites you to a gathering. Acknowledge you really want to see them but want to keep everyone o Be honest Excuses are tempting, but they can easily backfire when your convenient excuse is met with an equally convenient solution. Take the time to explain that the reason you do not feel comfortable getting together because you love your friends and family o ation going Th o Celebrate with members of your own household o o Think of creative ways to share the experience remotely o Drop off Thanksgiving meals for older loved ones and those with medical condition so they can stay home o Take necessary precautions to protect your family and friends because you love them Thanksgiving in CA o Most of the state is fortunate to have sunny weather forecast for Thanksgiving Day o Take advantage of the sunshine and consider moving your celebration outside especially if you plan to celebrate with people from outside your household o Have Thanksgiving lunch instead of dinner to maximize the sunshine and warmth of mid-day Travel Advisory o Traveling or having others travel to your home could potentially cause an increase in transmission of COVID-19 o This is not a travel ban or restriction. This is a travel advisory o We encourage Californians to stay close to home and avoid non-essential travel to other states or countries o People arriving in CA from other states or countries should self-quarantine for 14 days. They should limit their interactions to their immediate families Simple acts can make a big difference for COVID-19 and the flu: o Wear a mask o Maintain six feet of distance o Wash our hands o Minimize mixing o Get your flu shot Together, we can stop the surge o As the rate of transmission gets stronger, we will too vǒĻƭƷźƚƓƭ Could you talk a bit about, I noticed that San Francisco, Marin, San Mateo, no movement, counties? o I think each county is slightly different o A couple weeks ago SF was in the yellow tier o Significant surge in cases there too o Some of the tools they put in place will be helpful and we hope they hold steady, but they may not o Certain communities and counties do take the guidance more to heart in others o Not sure i counties with similar attention to detail who are already in purple o I commend them, we will see o Thank you to local leaders and community leaders, a number of health care professionals are sounding the alarm and that will make the difference o Hope we can stop the surge and get people not just to hold steady but to see these trends turn around Based on current trends, do you expect that the average daily deaths in the winter will be worse than the peak at the end of summer, HIME model forecasts cumulative death total to be double what it is now, do you agree? LA County is being hit hard; do you think a modified stay at home is prudent? Do you know whether surge in Imperial county has required them to move people out of the county? o I think that certainly the numbers of deaths will likely go up and as we are exceeding our highest number of cases and seeing our hospital systems pressed, the idea that the o Want CA to be a state that exercises its alarms well in advance o Part of why we have taken the actions we have seen o We know that the various models that have predictions, the models that have been proven wrong before because we come together and prove them wrong o Makbefore; those are the things that will allow us to turn things around for the beginning of next year o When people ask about the models, I would say the model is based on inputs today and we have a decision to change those o As it relates to LA, this is where I live and work, many of the leaders are taking this very seriously o increase than in the past 24 hours o Prudent for the public health and elected leaders in this county to be considering what comes next o but really move this decision o Everyday matters, regions and states that delay these hard decisions end up having more difficulty turning it around o I know they are taking this seriously LA exceeding the threshold they issued yesterday, they are probably discussing that now, why is the situation so much worse in LA and what is the likelihood of another statewide stay-at-home o Differences across the state o Even in LA, we have communities that are densely populated, number of communities where households are multi-generational o Have to acknowledge household transmission Different from gatherings Essential workers come home and infect their family members Those individuals become at risk o In LA because of the unique and broadscale nature of our communities, you see how transmission can occur o Halloween, holidays, sports, not surprising to see places as densely populated as LA to see this kind of transmission o Statewide we are watching the same things, trying to be thoughtful and more targeted o Know a number of communities and people are fatigued and tired o Trying to have actions we recommend being low risk with the least number of restrictions o Looking at data all the time, multiple times per day o Looking to see when our data runs o Trying to make thoughtful decisions CA tier system is supposed to help control the spread, continually hearing warning signs, is CA has a lot to do on masks, do we need stronger enforcement? o We said this on the very first presentation on the Blueprint, we said clearly what the rules are for moving a county forward, what they would be for backward movement, we know COVID goes from 0 to 60 really fast and we had this emergency brake option o we did, certainly we all want to keep close ties on the data and conditions o No perfect system under COVID, continually working to improve systems o Using emergency brake function was important to do, available in CA in many ways that es o Other states wait until they are clearly overwhelmed in hospitals, we have a tool in the blueprint to sound that emergency alarm, pull that brake sooner than other states o blueprint; they understand our tiers to be targeted and decisive Taking a look at some of the numbers on DPH website, indicated there were 1500 ICU patients, indicated 2100 ICU beds available in the state, means there are 3600 ICU beds in the state, my understanding in March there were around 7300 ICU beds so how is DPH determining these numbers? o We have always talked about our health care delivery system not just to be available for COVID o We continue to see people who have heart attacks, strokes, emergency surgery o When you take the collection of need and covering that need, commend hospitals saying we need to continue to deliver care outside of COVID o In March, many health systems preemptively cancelled surgeries, some people needing emergency care stayed home o o We want to make sure our hospital system has what they need o Know that we can bring on additional beds, not infinitely so, but many more because of our efforts to plan around surge o We have spaces identified in certain facilities that can be brought on, with the right staffing, staffing is very important o Continue to increase bed capacity o Have alternative care sites which are poised and ready to be stood up, some are being mobilized now o o Doing what I can to not just ask people to modify their behaviors to reduce transmission, but to take care of the people who need care in our hospital systems I wanted to follow up with yesterday on vaccines, when they are available, how much will they cost including for the uninsured, will health workers be mandated, how are manufacturers deciding how many doses? o All excellent questions o Currently there is no consideration at the state level to require health care workers to get the vaccine, we have a lot to learn about it o Continue to evaluate it, at this point that is not a decision o covered o For uninsured and Medicare patients the state will step in to make sure cost in no way gets in the way of a decision to be vaccinated o This is a very important decision o As it relates to the allocation strategies from fed gov and manufacturers, will be done based on state conditions led by populations and size o firm picture of what that looks like o The timing will be important, not each of these vaccines will come out at the same time o Pfizer and Moderna may be on a closer timeline though they are distributed differently Can you clarify who in CA is designated as an essential worker in terms of distribution, hearing some confusion about that o I think the first order of business is determining that 1A priority group, which will be focused on the healthcare space o -health care essential workers o We expect that some of those decisions will be made over the next weeks, they will be posted to our website after all the right conversations o Assimilation and working with drafting and community guidance group o High priority but the first order of business is the 1A group Now that state has had time to look at data, have you been able to look at where cases are primarily coming from in Southern CA, is there potential stay-at-home to prevent travel? o As it goes toward pinpointing transmission, we continue to hear from different counties different things Private gatherings are important points of transmission Restaurants as well o Any time you get together when your guard comes down, mask is off, there is a risk of transmission o Because of asymptomatic spread, you create a risk o In Southern CA, as those activities increase, o The hardest part is young people infecting older relatives o Take extra precautions while we approach period of family gatherings o way that people gather, any activity that allows us to take our guard down is a potential transmission risk and hotspot o toolboxink in a targeted way o What the Blueprint does in part is allow us to be targeted o exactly where the plan will go o on the table, looking at effective methods o being open and how to balance risk of transmission with kids needing interaction, have you sent your own kids back to school and would you? o My youngest does attend a child center, I have good conversations, feel confident o Very concerned o Other three children are in a school district that only offer distance learning 1st grader, 5th grader, and 7th grader All getting through it o but if the chance afforded us to do that, we would o I believe schools have many tools available to do that, urge us to look at how we keep our teachers and staff protected o Know there are tools and always interested to talk to a specific district about how we can create lowest risk environment o This is a local decision; characteristics of each community are important to take into account o Making sure principals are applied in a local and unique way o Allowing us to have all the tools, PPE and masks, keep cohorts together, go outside, making sure those with underlying conditions are protected even above and beyond o All of these tools give me confidence o Look forward as we continue to bring down case numbers to creating more paths to address concerns of our school community and make sure when time is right to bring kids back When you talk about the alternative care sites, where would the case get staffing for them, if a lot of back and forth with restaurants, can I get your thoughts? The argument I keep hearing is who avoids the rules but it seems if people started getting tickets for not wearing them then they might comply? o Certainly, the question about outdoor dining is important o o Outdoor dining becomes concerning for spread o Not only area I would be concerned o indoors; we hope o make those decisions o As it relates to the masking question, remember the mask order, the statewide order, is indeed enforceable and that some local jurisdictions have enforced o Not certain how many there are that are doing that, but that is an option on the table o and cooperation first o Hopefully all the messages we communicate can help break through to a number of people o wear the mask, feel they are protected from COVID o nd them of the importance o Continuing to beat the drum of education and info o Reminding that local officials have expressed that they can enforce o I know one person asked a question about Imperial County, we are watching those closely o I believe hospitals in that county do occasionally transfer; o We are watching it closely o guidance is where we expect our state to take account except where local guidance is more restrictive o In gatherings when local guidance is to not gather outside of your household, we at the restrictive o We at the state, have the unique responsibility to identify guidance that works statewide, and counties have the ability to be more restrictive than the state o I know we went for a full hour, grateful for your attention and questions o In a period of thanks and this holiday, my favorite holiday, an opportunity to count our blessings and be thankful for so much o Thankful to be in a place like CA, a place that is working hard to be led by science and data o Even though it means short term hardship and sacrifice, it will allow us to get through this pandemic in a strong way o Do holidays with your household and do it safely Sen. Health Comte. COVID Care: Role of Private Insurance November 23, 2020 Chair Pan (Opening) Hearing all panels before public comment Once heard all witnesses, have a public comment period I want to thank all of you for coming to discuss private insurance We have learned so much, but have so much more to learn The COVID-19 pandemic started less than a year ago Health system has come so far, been stretched so much Hospitals are overflowing with patients In CA we have done better than most, but still in the woods Thank healthcare workers We can all agree that in order to get on the other side of this pandemic it will take widespread testing, tracing, vaccination There have been many directives, bulletins, FAQs, E.O.s, etc. to outline roles and responsibilities No wonder there is confusion Identify today what policy measures are necessary to get clarity We will now begin with our first witness, who is David Sharp, a resident of Alameda County Questions from members before we move on David Sharp, Resident of Alameda County Thank you for having me My son had a potential COVID exposure Researched locations on Sept.12th to find COVID testing He asked to be tested due to a possible exposure He was asked to come back next day Arrived next day and then the person said testing was moved inside due to smoke He waited a long time Wanted answers Doctor showed up, he was asked why he was there he said to get COVID test Finally got swabbed, texted Mom called hospital Not free testing, insurance would cover Charged for emergency visit Told person to cancel it Misled, would not understand paperwork Following instructions Trying to be proactive Should not be charged for an emergency room visit that he did not intend Asking that ER charges of $1900 be reversed I went back down to the tent and they were unapologetic and said we would be charged for E.R. visit Unfortunate incident Never got the test Monning I want to thank you, Mr. Chair, unfortunately we are hearing reports such as that by Mr. Sharp You did receive a bill; did they complete the COVID test? Mr. Sharp No, they did not Monning No result, yet a bill Does your son have private insurance coverage? Mr. Sharp We have Anthem Blue Cross They picked up about 40% of that bill Bill did contain a charge for the test Monning Is your son doing okay? Mr. Sharp No, he did not as far as we know We did quarantine him Monning No result of COVID test, yet you were charged for it, you said they would pay 40% but that would leave Mr. Sharp Majority of it was E.R. visit which was $1800 Monning With respect to Anthem Blue Cross, did they provide you with a policy interpretation that said they were only responsible for 40%? Mr. Sharp Yes, there was a breakdown with costs and coverages Monning It raises several layers of poor communication and unclear policy Mr. Chair, I think others would have questions but this helps clarify Mr. Sharp thank you for sharing Pan I want to recognize Senator Rubio is now joining us remotely I want to thank you, Mr. Sharp Senator Monning covered a lot of the ground Sorry that this occurred Hopefully this will be resolved in your favor Keep us apprised as to what transpires in the future Thank you Move on to next sub-panelist Take federal perspective Keep remarks to three minutes Following that we will have a CA respective Sabrina Corlette Testing for COVID-19: Federal Requirements under FFCRA, as amended by CARES o Plans must cover and waive cost-sharing for: FDA-approved diagnostic testing for COVID-19 Items and services delivered during provider office, urgent -19 test; may be in-person or via telehealth o Prohibits use of prior authorization o Requires plans to reimburse testing providers either the negotiated rate or the full cash price listed by the provider on a public website o Applies through the public health emergency Tri-agency Guidance: Clarifies Scope of FFCRA Mandate o care professional Plans and insurers not required to cover workplace testing, or testing for public health purposes o o Clarifies that at-home tests are included, but must be ordered by an attending provider State Action Stronger than Federal Standard Pan Sarah Ream, DMHC State agency responsible for licensing and regulating insurance plans Regulate more than 96% of healthcare and commercial enrollment DMHC has adopted an emergency regulation providing clarity and certainty o Outlines when and how plans must cover testing When plans may charge cost sharing o Requires health plans to absorb cost of testing Clarity with health plans reimbursement for providers Three categories of enrollees for testing o Enrollees who have symptoms/been exposed Under federal law can get tested in or out of network without cost sharing o Who are essential workers is provided Regs state COVID-19 testing is medically necessary Worker must contact plan or in network provider If plan fails within 48 hours to provide test, enrollee can go anywhere o Asymptomatic people who are not essential workers Must cover when medically necessary Ordinary cost sharing Must offer within 96 hours, if not they can go out of network Cost for tests o Prohibits plans from passing costs to providers unless specifically negotiated o Important because many pre-COVID agreements were requiring providers to assume risk of cost o Financial risk under emergency regs states plans is responsible Lawsuit filed one week ago against DMHC by plans to get this repealed Bruce Hinze, CA Department of Insurance Top priority is to protect health of Californians First response was to eliminate cost-sharing Eliminate copays, deductibles After state of emergency declared, Commissioner directed insurance to submit emergency plans Commissioner directed health insurance companies to increase telehealth services o Parity o Must continue to provide access to medically necessary care Department issued an FAQ related to COVID-19 testing With regard to the question before you, regarding who pays for testing o Department says testing should be readily available for greatest number of people Consumer cost should not be a barrier to testing o Should not be limited on number of tests o Guard rails in place for limiting costs providers can charge Provider balance bills should be prohibited for COVID testing Kathleen Jacobson, CDPH On testing task force As of Sept. 22nd, testing prioritization guidance was released based on turnaround time improving Everyone has equal priority for testing In Sept. state released general guidance for responding to pandemic in workplace for employers Testing all workers in workplace should be first strategy considered May be done at a single point in time or repeated Must be onsite or at occupational provider All workers must be offered and provided testing Local health depts. May help facilitate testing options if needed Sept. 12th the COVID Disease 2019 mitigation plans for residents at SNFs was revised o Recommends baseline testing of all SNF residents and all healthcare personnel at nursing facilities o Conduct baseline testing for all residents and healthcare personnel that did not have a positive case at the time and report all results to CDPH by June 2020 o Updated guidance has recommendations for testing newly admitted and re-admitted residents o If hospital does not test patient within 72 hours of transfer, resident must be tested before admission o If tested at the hospital, two negative tests are not required o Residents newly admitted should be quarantined for 14 days and then retested o SNFs may consider acute care hospital days as part of that 14-day quarantine o Screening testing of healthcare personnel, recommendation is minimum of weekly screening o In facilities with positive cases, should implement response-driven testing Weekly testing, continue of two rounds of negative tests Pan Questions? Monning To Ms. Corlett on fed declaration of emergency, you said that expires on Jan. 20th, can that be extended by E.O.? Corlette Can be extended anytime between now and then Most expect it will be extended Monning Is there any evidence, has there been health plans sited or penalized for non-compliance? Sarah Ream Not that we are aware of, although our reg went into effect in mid-July Typically, there is a lag time, so if an insurer is not complying, there is typically a lag Plan would need to deny or limit coverage, enrollee would need to appeal through plan Monning Complaints that have been filed? Ream Handful of complaints, some calls to health center I would have to go and take another look Monning Did you hear the testimony of Mr. Sharp? In your view, did that violate your understanding of the responsibility of an insurance plan? Ream Does sound like there was some things the hospital and/or his carrier under federal law, because the son had exposure to COVID-19 the CARES Act and FFCRA is very clear that the carrier must cover COVID- 19 test and ER visit cost Monning . Sharp did file any complaint with agencies Where do members of public go if they receive a large bill for a test? Ream We regulate majority of coverage lates, they should call our help center or file a complaint online If health plan is covered under DMHC we can provide assistance, if not we can help navigate Monning Is your department doing outreach to inform consumers about their rights and protections? Ream We have been Speaking with provider groups, consumer advocacy orgs, health plans, trying to get message out there about rights and steps they should take Monning If other two witnesses are aware if their departments have received complaints of overbilling or violation of patient rights? DOI Our department has received in the neighborhood of 5 complaints related to concerns around COVID bill Federally regulated plans Maintaining vigilance in response to complaints, very aware of these situations Want to make sure they are enjoying full benefit of the law Monning officers by county Lead agency on enforcing the tiers Is CDPH doing anything to monitor or educate the public about their right to COVID testing and their right for it to be paid for? Jacobson Have been working on communications to public about right to test and how that testing is covered In regard to enforcement, I know CDPH has put together an enforcement task force een in the works Monning Close with all of these reps, encouraging extraordinary redoubling of efforts You are the link to the public The people who have been exposed Would encourage massive public education Cooperation of local media, PSAs Pan One q federally regulated, do you help filing with federal if someone with a fed plan comes? Ream gency Can help with self-insured product that is administered with a CA licensed health plan, assist them with finding federal department who can help them We get them connected Rubio Let me take a moment so say thank you to all our first responders, nurses and doctors in the throesof this I think Sarah Ream, you discussed the layers in terms of when they must pay, cost sharing knowledgeable in this space, is there a mandate that health care plans are required to post? Where would they go, how can they search if they are tier 1 or 2? Ream I agree, it is complex o FAQs o Letter to plans o COVID Q and A Excellent resource Look to health plan partners to assist in spreading message about how people can get tested and what cost share may be Trying to get that message out there Rubio I think I heard on Tier 2 you said asymptomatic essential workers o You included teachers; I know several teachers who do not know this o o Are there efforts to work with the school districts? We need to collaborate closer Ream We have a dedicated team on outreach and I will take that back to them Pan position if they have a self-regulated pl Corlette Challenges, state is preempting from imposing requirements for those plans under ARISA -regulated that is covered under federal law Could affect bill because he asked test to be removed If no COVID-19 test on bill, then coverage requirement would not kick in under federal law Pan Sounds like we have to ask federal partners there For both Mr. Hinze and Sarah Ream, you testified if someone is out of network it should be a reasonable cost What kind of guardrails has DOI put in place or plans to put in place? For Sarah Ream, could you comment on what are plans expected to pay in terms of tests if you get a bill that you may think is large or excessive? Hinze Right now, the environment that controls compensation is that provided for by the Federal Families First Act and CARES Act provider posts on a public website o Limited to duration of fed emergency o Should we look forward to when state may wish to have longer emergency than fed gov, Legislature may consider moving some of that over Ream Echo what Mr. Hinze said, add that under DMHC regs, with respect to enrollees who are asymptomatic and do not have recent exposure, health plans would be expected to pay either negotiated rates or if they do not then provider would be compensated at reasonably customary rate Keeping in line with Knox-Keene Act Pan For Dr. Jacobson, I understand you are on the testing task force Know you are focused on public health risks The Department looks at establishing surveillance and other types of testing Discussion as to who is expected to pay for surveillance testing in workplaces or in the community? Discussions about which entity who should be paying for it? Jacobson Happy to try to find those answers Some of the guidance do have references to occupational health that does have some of that info available Happy to find more detail Pan I know you establish the care Move onto similar question for Sarah Ream and Bruce Hinze, in terms of paying for these surveillance workforce safety One could distinguish between those done due to workplace or those required by CDPH Should the health insurance be responsible for that or someone else? Required by CDPH should be paying? Ream under CARES and FFCRA, if someone has symptoms or has exposure, they can be tested out of network with no cost But for essential workers who are asymptomatic, our structure contemplates that they will go and get tested in plan Does not contemplate third party involvement with workforce testing If essential worker chose to be tested multiple testing in a week, plan would have to pay With respect to question, under Knox Keene Act health plan must pay for essential worker when they go through insurance Hinze Proposed regulations from OSHA, proposal for workplace exposures, these CalOSHA proposals would require the employer to pay for testing in the context of that exposure The current fed law, Families First and CARES Act require coverage by insurer if an attending provider fed law apply We get to the question regarding importance of asymptomatic spread, that you may not have a situation where the proper filter is waiting for people to have symptoms The fed approach with medically appropriate opens the door to possibilities for the appropriate testing of asymptomatic persons who do not have an occupationally defined exposure State may wish to establish a structure that provides that level of coverage where insurers will be paying for such testing, separate and apart from current temporary fed law Pan So, a plan, they get the request for reimbursement from provider, how are providers and insurance companies supposed to distinguish the essential workers from the others? How to sort who is in which tier? Ream Admittedly, I could see that in practice there could be difficulties Put in reg and further guidance that the health plan can ask the provider, was this an essential worker and if provider says yes, that is all the evidence that the health plan can ask for putting that person in the tier Wanted to make sure plans and providers did not get in back and forth All enrollee needs to do is say yes, Pan Thank you Not seeing any hands up, I want to thank each of you for testimony Now move onto our responders Seven witnesses from many perspectives on this issue for access to testing Kelsey Waldron, Attorney with Bay Area Legal Aid Part of health consumer alliance The health consumer alliance provides free legal services for all health insurance related issues Two client stories Both clients sought medical services for COVID testing and both have private plans regulated by DMHC First has one year old daughter, she had symptoms Parents took daughter to E.R. In late March no COVID-19 tests on the child Tested positive for flu and was sent home Family received bill for $2000 Confused and frustrated Led family to believe this would be fully covered Second client had symptoms and got test from hospital, bill for $100 Unclear whether hospital will continue to bill after it was disputed Throat specialist ordered test Received explanation of benefits that stated patient portion was $400 No bill but concern that this provider will bill Any Californian who does not know who their health plan is or who can provide this can reach out William Isenberg, Chief Quality and Safety Officer at Sutter Health Ap Regulations create barriers by providing guidance on how health plans may pose utilization management restrictions and cost sharing on enrollees DMHC places burden on physicians to determine if essential workers Consumes times for doctors Hardly an action that makes sense Emergency regs contemplate that health plans make determination, in practice impracticable Delay ability to obtain testing Cost sharing is a barrier to accessing testing, particularly for vulnerable populations and minorities Health equity barriers must be removed Testing deserts in rural communities Individuals should be able to get a test where they can, regardless of in network or not Requires expansive testing and tracing and treatment Diagnostic testing should be medically necessary basic test for all Californians Dierdre Kennedy, BenAssist Health Insurance Services I am serving as Leg Chair for LA Association of Health Underwriters My son was exhibiting symptoms, called doctor, referred to hospital, hospital did test, balanced bill for $100 later Called billing office, charge was dropped, when I questioned why receiving bill, the billing clerk could not get off the phone fast enough Awareness that this was an inappropriate bill We have talked to a lot of our members about prevalence of balanced billing, not quite as prevalent In my role, it is my job to gather knowledge and provide guidance to employers When CARES Act and others were passed, we really took a strong role with employers to make sure they understood what benefits covered and we developed a series of employee-facing communications Had a great deal of opportunity to support employees and when they have an issue with a balanced bill, turn to us Trina Gonzalez, CA Hospital Association I will take us to the beginning pandemic, we had limited capacity We now have better capacity Thanks to investments by state and hospitals Inadequate still Now able to do more testing, conflicting requirements has created confusion amongst patients and providers Clarity is needed Priorities for utilization of finite testing supplies Uniform protocols and authorities Welcome opportunity to work with stakeholders to develop list of priorities Once priorities are established, payment policies should be aligned Most Californians are protected by balanced bills, however gaps still exist Patients should be shielded from these unexpected bills Health care workers are working tirelessly Professional association of physician orgs Serve 18 M patients in CA Capitated medical groups required to provide free COVID testing without copay to patients Set up testing centers Members are required to pay third party testing costs that are submitting Had existing relationships with testing providers at beginning of pandemic New charges were set by labs at beginning of pandemic Medical groups still required to pay charges Important aspect is availability to testing results to primary physician Been an issue, lack of testing data access Current COVID costs are running $2-$3 per member per month Waiting to see what vaccine will add Some orgs are developing own testing capabilities o UC Medical Groups o Provides more affordable and some more rapid results APG has been in regular communication with DMHC, concerned about lawsuit Huge shifting to medical groups but remain committed Kristi Foy, CA Clinical Laboratory Association Quest and LabCorp, academic labs, etc. Appreciate emergency regs issued by DMHC that intended to allow more testing CCLA disagrees with conclusion that antibody testing is not required for diagnostic purposes CDC currently emphasizes appropriateness and importance Concerned about billing for asymptomatic, non-exposed essential workers o Essential worker determination Health plans are responsible, not labs Should not be permitted to deny or withhold payment Should not impose cost sharing o In cases of delegation, responsible party remains health plan unless explicitly delegated Info is hard to get IPAs should be required to respond to claims about COVID testing Provide complete and accurate insurance info Nick Louizos, CA Association of Health Plans CA Health plans take seriously the need to provide testing State and fed regs are well-intentioned Members are witnessing unintended consequences Through a survey, our plans have indicated that about 50% of enrollees in group plans are in industries considered essential Universe of individuals subject to regs is massive Challenging for all parties CAP members identified areas of concern o Dramatic increase in number of out of network o Variability of cost between in and out of network According to national survey of health plans determine a quarter of tests are out-of-network Receive claims that are three times the payment of Medicare payment rate Max bill charges Out of network costs for entire system Could outpace premiums being collected Pan Appreciate all the different perspectives Questions? I will ask a few questions Want to thank everyone Several of you have talked about the challenges of trying to determine who is an essential worker, will tiers and how does the plan sort this out? Louizos I wish I had a solution We are sympathetic to this issue Asymptomatic and symptomatic distinction is an issue with plans and providers Many of plans who are providing non-mandatory guidance on preferred coding, however, coding to determine whether someone is an essential worker is unclear Not all labs using same practices and codes Hard for health plans to make determination Trying to work with providers and providing guidance Pan For Kelsey Waldron, you shared some stories about people who were balanced billed, in your work what seems to be the main trigger for this to happen? Where do people get tripped up, you made some Do you have broader day in terms of where does it seems like the ball gets dropped? Kelsey Waldron One of the biggest gaps is consumers feel confused, see headlines saying COVID testing will be covered A Consumers in the dark about what is covered Lack of communication, could be fixed by plans communicating Does seem people are unclear and people are scared when they have symptoms and want to get a test Not thinking about will insurance cover Pan Dr. Jacobson, are you still on? I did want to ask you, we heard that some of this is confusing but at the same time, should the message nsurance? From a public health standpoint can you speak to the message that should be out there? Should we be trying to cover everyone? Jacobson Should we be encouraging folks to get tested? Pan health plan Jacobson Strictly public health, it should be to go get tested If you have concerns, if you have symptoms, we want you to get tested Pan I realize it gets complicated and this involves money but I think we want to get to a place where people can do what we want them to do I think our regulatory agencies have been leaning that direction Follow up, with Dr. Isenberg, on the frontlines for physicians, what should physicians be telling their patients when it comes to getting tested? Check your health plan? Isenberg If you think there is a possibility, you should be tested of the doctor patient relationship to determine if this is an eligible patient, find out if they should wait Pan What I heard earlier, if a doctor says they should get tested, they are covered Isenberg pandemic, first contact should be with a provider Pan Ms. Gonzalez, we heard the story from Mr. Sharp, what guidance is your association giving its members about people showing up for tests? Gonzalez We have been in constant contact with our members regarding law changes We have a web page dedicated to COVID for our members on state guidance Mistakes do happen and we want to hear about it and know Pan Nick Louizos, mentioned high percentage of out of network bills on testing Telling people to go to places like Verily, testing is not always widely available Can you touch on, are you concerned that people are trying to get tested unnecessarily? I hear what you said about issues with particular providers Can you speak to, it may not be unexpected that you would have a large number of out of network tests, but Louizos Via AHIP, did a survey nationally, 50% of out of networks with prices that are out of cost are done at stand-alone labs A lot of this out of network activity is coming from, it appears many employers have either taken DMHC regs or otherwise to mean they can contract with their own testing vendors and submit the bill to the health plans and we believe this is a misinterpretation and leading to a high number of out of network charges being forwarded to plans Plans are majority paying for these, but there is a limited reimbursement rate for those charges that are out of plan Not all of these testing facilities are listing that cash price on their website No parameters associated with this That is what we suspect is leading to a lot of that activity Pan Want to thank all the members of this panel I think this will be very helpful as we move forward as COVID continues Move on to next section of hearing With announcement of three vaccines that have shown promising results we wanted to touch on coverage for vaccines once we have approval and then with treatment of COVID in terms of what are federal and state regs recognizing COVID is a contagious disease Sabrina Corlette Coverage of a COVID-19 Vaccine Federal Requirements o ACA: Plans must cover and waive cost-sharing for: Plans/insurers have up to 2 years to implement o CARES: plans/insurers have 15 days to implement o Federal rules (Oct. 29, 2020) require: OON coverage for vaccine and administration Providers must receive reasonable payment; cannot balance bill Similar to Medicare payment Vaccine Coverage: Potential Gaps for Consumers o ACIP recommendation required o Non-ACA compliant health plans exempt Health care sharing industries, grandfathered plans, fixed indemnity products o Which vaccines? Not required to cover all three vaccines o OON protections apply on through public health emergency o Void if ACA is overturned in California v. Texas Limited state action to date Sarah Ream, DMHC Regarding COVID-19 vaccines, to echo what Professor Corlette said, under fed law must cover without cost sharing all preventative services with A or B rated from U.S. preventative services task force and CDC recommended vaccines Additionally, under current law health plans must assume risk for adult and child vaccines o Cannot pass to providers For treatment, plans must cover all medically necessary services and treatments Bruce Hinze, DOI Fed requirements regarding COVID-19 vaccination only apply to non-grandfathered ACA required coverage Section 101.2 of Insurance Code only apply to non-grandfathered ACA coverage Fine line baked in is obligation to provide this preventative care only comes in one year when federal advisory comte. makes recommendation State Legislature may also consider that grandfathered coverage also applies To extent that treatment may not be covered, may be that Insurance Code may not require basic health care coverage does not apply to non-grandfathered coverage Legislature may want to pass legislation that all coverage applies Tricia Blocher, Emergency Preparedness Office, DPH Provide update on vaccine distribution planning Using data and science to guide planning and implementation CA planning process ensures vaccine makes safety requirements, delivered equitably, and ensure transparency GGN recently named Scientific Safety Workgroup WA, OR, NV joined effort Vaccine trials, reviewing safety and efficacy, and providing recommendations Drafting and Guidelines Workgroup o Develop allocation framework Community Vaccine Advisory Comte. o Ensure equitable vaccine distribution and administration Planning with local public health departments Leveraging well-established existing immunization framework Local public health departments will administer vaccines Role of different providers will depend on supply and stage of distribution Several phases of plan o Planning o Limited doses o Sufficient widespread supply Vaccination Communication plan focused on timely, accurate, actionable info about vaccine plan CDPH subject matter experts will work closely with federal and local partners CDPH is in early processes of recruiting and enrolling vaccine providers Work is underway to ensure that IT infrastructure is robust and will meet requirements Developing statewide backup plans for local storage I appreciate your interest Number of unknowns about timing, implementation, etc. Pan Member questions? Seeing none I have a few questions implemented own laws for requirements, does that subject us to additional state costs? If state moved on its own to fold plans in Corlette defray costs Pan For Sarah Ream and Bruce Hinze, in terms what are your respective agencies plans for issuing guidance to the health plans you regulate? Could have two or three vaccines out there, may have varying accessibility Will be an issue having enough vaccines initially Any guidance thinking about in terms of coverage of potential vaccines? Ream We are looking into that issue now and developing recommendations and guidance on what we would expect plans to do if multiple vaccines are available Pan Possible we can have different vaccines at different price points, CDPH will have priorities, but for example, is there thought that plan will be required to cover whatever vaccine is available in that area? Is that being considered? Ream Priority is to get as many people vaccinated as quickly as possible Still looking into what guidance will provide, not contemplating a plan could deny coverage for a vaccine available in that area at that time Our expectation is plans would widely cover vaccines Pan How much coordination is going on with DOI? I recognize different characteristics, but how much coordination? Ream We talk very frequently, try to coordinate in these issues that touch both Pan Do you want to answer the question Bruce? Hinze In terms of vaccine availability and payment, the final federal rule that was released is that the vaccine is paid for by the federal government If the vaccinator, cannot balance bill or copayments No cost to person who receives it, including insured person of guidance Pan ut coverage for storage and etc. What will happen with regards for administrative costs related to delivery vaccine, health professional time, supplies associated with administering vaccination, do you see any issues in that regard with appropriate payment and some of these places delivering this vaccine is not going to all providers, so can you speak to some of the issues you are considering? Hinze Again, the federal law is good about this son Confident insurers will cover administrative costs and ancillary costs Ream Nothing to add, echo what DOI said Expectation is plans will cover administration costs Pan For both of you in regard to treatment, right now if you have COVID and need trea -regulated plans or a non-state regulated plan? Ream We would view that situation as similar to if someone contracted another type of communicable disease at hospital for treatment, treatment would be carrier to figure that out rather than allowing plan to turn away enrollee Hinze -carrier to resolve that later Pan , for cost sharing or anything? Hinze That happens now for any workplace injury, questionnaire you fill out with that Not new or unusual Pan For Tricia Blocher, appreciate your presentation about what the plans are to get the vaccine to the public, so from your perspective in CDPH what are the things we should do as a state that would help facilitate distribution, access to, and then acceptance of vaccine? What should we be looking at as a Legislature? Blocher I think as with entire vaccine program, communication will be one of the most challenging If anything, to do it would be to help with communication The most helpful Pan Want to be sure people know they can get it and without financial barriers Other questions? I want to thank all of our panelists for this presentation so we will now move onto our reactionary panel Move on to reactor panel Dr. David Lubarsky, UC Davis Health Over the last several weeks news about efficacy of COVID-19 vaccine travels has been very promising Give us hope as we double efforts While news is encouraging, many issues needed to be addressed Planning to coordinate vaccine distribution and communicate with public, coverage should be provided without cost sharing o o Providers must accept and provide vaccine regardless of ability to pay We want every person working as hard as possible to get that vaccine out What we are trying to make sure is that state entities consult with physician experts, provided by CMA and others, as trusted partners in developing guidelines and distribution plans Should not take away flexibility to decide which patients need vaccine first Physicians must be included and it needs to be a guideline, not a mandate Trina Gonzalez, CA Hospital Association COVID vaccine could be available as soon as next month Hospitals will play pivotal role in distributing vaccine, particularly when vaccine is distributed to health care workers Many hospitals will serve as volunteers for closed points for dispensing Centers for Medicare and Medicaid has released final rule on this Through this rule, CHHS and labor and treasury implement CARES Act requirement that plans must cover all doses, administration, and office visit Under Families First Act, states are entitled in temp 6.2% increase to FMAP on condition that state covers without cost sharing vaccine for certain Medicare enrollees Important there is CA specific guidance Smooth way for health care workers and public Develop clear priorities and guideposts New therapeutic treatments will continue to be developed 16 in pipeline Went to ensure new treatments are all covered Jeanette Thornton, Americas Health Insurance Plans Dedicated and committed to partnering with policymakers and state to ensure rolled out in safe and comprehensive way Must cover vaccine for all regardless of out of network and regardless of coverage Must cover vaccine within 15 business days, but we will need to be ready immediately Preparing to enroll providers and accept payments for COVID-19 admin fee Receiving claims from COVID entities that have not traditional billed Stand ready to assist, informing if they need vaccines and where can get it, follow up with second dose, track adverse events, data challenges Interested in working to make sure we are part of data flow Credible source of info on vaccine effectiveness and readiness Areas we can do further partnership o State needs to make data on administration to plans o Transparent on vaccine supply o Size and timing of allotments o Location of allotments Steps will help plans understand full scope Stand ready to assist the state Diana Douglas, Health Access CA enrollees are not being affected by cost sharing and premiums Appreciate health plans that have waived cost sharing, unclear how many plans have done this and of what they are responsible to pay Importance for clarification, important also that folks know what they will be responsible for Any requirements for treatment coverage have to extend pass public health emergency Concerns about whether all plans will cover within 15 days and questions about interplay of fed gov, workgroup, reviewing coverage Must address issues head on so Californians will be covered once vaccine is distributed Pan Member questions? I want to remind people to call in now if they want to participate Member questions? Seeing no hands I did have a question Is Tricia Blocher still on? We heard from AHIP about data transparency and their willingness to work on tracking, maybe you can speak to in your vaccine distribution plan, are you planning or partnering with health plans on who has In terms of providing data to people about how many vaccine doses we have and where they are Blocher We are, as I mentioned, a lot of data requirements CDC has for all vaccinations That will be the first place where we much is administered Working on those elements right now on how we will report that More to come there, working to be able to describe the best way we can how and who is getting the Pan Health plans have talked about their role, have you engaged with health plans? Blocher rtunities to talk with health plans and DMHC to make sure we coordinate and have an info flow Pan Thank you I have a question for Dr Albertson, you are the principal investigator for Pfizer COVID-19 trial Are there things providers need to know and their medical groups or health plans in terms of storing, administering the vaccine that people should be aware of as we set policies for coverage and for those who need to know what to do for receiving and distributing? Dr. Albertson This will be a huge issue Data exchange between state, providers, insurers will be key Two vaccines that will be approved have different intervals between them in their studies o One is 21 days and one is 28 days o Need to know what drug people have, what time, what lot Going to be a real challenge, something the providers will be excited about Think we will need info Hope database gives that kind of info, hope not a CURES type database Some sort of interface with one of the major EMRs Giving it to 130 patients, not many problems This will be our inflection point to make a change Pan vaccine and then one of another? Albertson No Pan Albertson As you know, we have a mobile population We will have to track to make sure they come for second dose Will be a lot of work to make sure we get second dose at the right time Pan If, coming up on open enrollment, possible that they will change plan after one dose, is that something you see being a problem? Thornton There will be separate code for each vaccine and dose If someone changes plan to different health insurer, we would not have record of that Pan Would it be simpler if we said whoever covers the first dose has to cover second dose? which plan they switched to Thornton For all of the doses the fed gov has purchased, the vaccinator has to vaccinate whether they are insured or not We get the claim at the back end and if we get a claim, we have to cover For the person it will be very seamlessly Pan there are a lot coming down the line Some have had questions, what are the health plans doing in relation to different treatments in deciding which treatments will be covered? Thornton A number of members have waived cost sharing around treatment during the pandemic and some beyond All of our plans have Chief Medical Officers who look at the data We know they review the evidence and help make those decisions Closely monitoring FDA Pan In a follow up I understand Medical Director providing guidance, how is that communicated to provider community? Thornton Some of them have been in short supply In general plans work had to keep coverage policies up to date and provide resources for providers on e Pan Dr. Lubarsky did you want to make a comment? Dr. Lubarsky The whole key is we cannot anticipate what exactly will go on Enlist CMA and CA Hospital Association to make sure everyone is doing right thing Right decision for every patient Trina Gonzalez I think Dr. Lubarsky covered a lot Those are the kinds of things we want to make sure our providers have access points Diane Douglas As far as access to treatments, folks need to know what treatments are covered Provide clarity orried about bills and not seeking treatment Pan There are many people who have survived COVID but are still suffering Becoming an increasingly large number and they need ongoing treatment With that, any other questions? Seeing no other questions, I want to thank our panels Thank you for testimony Appreciate you taking your time out and sharing with us perspectives Public Comment Anti-Vaxxers CA Health Plus Advocates o Health centers are required to see any patient who walks through the door regardless of ability to pay o Clinics required to pay o Requires plans to reimburse provides, some plans are non-responsive o Only reimburse if providers post testing fees, but that has created some confusion with MediCal and uninsured who thinks they have to upfront o CARES Act is contingent on fed public health emergency o Imperative that everyone is ensured a test Western Center on Law and Poverty o Pandemic disproportionately affected POCs o Working outside the home should be considered presumptively exposed o State and local public health authorities have not provided data o Plans profiting o Plans must be held accountable o Plans should help provide for chronic conditions o Distrust around vaccine CA Dental Association o care; dental offices will need to provide this regardless of exposed contact o Ability to use tests to screen will be crucial for public health surveillance o Both the necessity for patients to be unmasked force dental offices to assume everyone is a carrier o Not available for test to be reimbursed by plans o Prevalence of asymptomatic individuals and nature of dentistry, tests should be covered by insurance CA Association of Health Underwriters o Agents solve problems, first to be called with questions about insurance o Agents can often get problems, including surprised billing resolved quickly o Consumer services to small businesses o Health insurance agents bring human touch o Understand there are and will be many questions o Ask an agent