{"id":11122,"date":"2020-05-28T20:49:00","date_gmt":"2020-05-28T20:49:00","guid":{"rendered":"https:\/\/hwsmarketindev.wpengine.com\/2020\/05\/28\/blog-how-the-cares-act-affects-employer-sponsored-benefits\/"},"modified":"2026-05-30T03:51:19","modified_gmt":"2026-05-30T03:51:19","slug":"blog-how-the-cares-act-affects-employer-sponsored-benefits","status":"publish","type":"post","link":"https:\/\/www.homeworksolutions.com\/es\/2020\/05\/28\/blog-how-the-cares-act-affects-employer-sponsored-benefits\/","title":{"rendered":"C\u00f3mo la Ley CARES afecta a los beneficios patrocinados por el empleador"},"content":{"rendered":"

\"04_10_20_971047058_EB_560x292\"<\/span><\/p>\n

La Ley de Ayuda, Alivio y Seguridad Econ\u00f3mica por el Coronavirus (CARES) no se trata solo de aliviar las cargas fiscales de los empleadores. Tambi\u00e9n impacta los beneficios para empleados.<\/span><\/p>\n

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C\u00f3mo la Ley CARES afecta a los beneficios patrocinados por el empleador<\/h2>\n

By now, most employers have presumably read up on the basic tax relief and financial assistance aspects of the Coronavirus Aid, Relief, and Economic Security (CARES) Act. What you may not have heard much about is how the law affects employer-sponsored benefit plans. Here are some highlights of its impact:<\/p>\n

Coverage mandates<\/strong><\/p>\n

Under the Families First Coronavirus Response Act, an earlier law passed in response to the outbreak, health insurers and group health plans were required to cover coronavirus (COVID-19) testing and related provider visits without cost-sharing. The CARES Act has extended this requirement to additional categories of COVID-19 tests \u2014 even if not FDA-approved.<\/p>\n

Health plans and insurers must reimburse the diagnostic testing provider according to any negotiated rate with the provider, or they must pay the provider\u2019s publicized cash price for the diagnostic test in the absence of a negotiated rate. Health insurers and group health plans will have to cover, without cost-sharing, COVID-19 preventive services and immunizations that receive specified recommendations from the CDC\u2019s United States Preventive Services Task Force. This requirement will apply 15 business days after the task force\u2019s recommendation.<\/p>\n

Tele-health exemption for high-deductible health plans (HDHPs)<\/strong><\/p>\n

A safe harbor allows HDHPs to cover telehealth and other remote care services without a deductible for plan years beginning on or before December 31, 2021. This provision is effective March 27, 2020, the date of the law\u2019s enactment.<\/p>\n

Over-the-counter (OTC) drugs and certain other products<\/strong> <\/p>\n

The CARES Act removes the prescription requirement for OTC drug reimbursements that previously applied to:<\/p>\n