The COVID-19 pandemic has caused major disruptions to healthcare delivery systems and most physician practices. New information is being released each day to assist small businesses and employees. Additionally, changes are being made that are specific to medical practices. We have attempted to organize and update this information for you on this page. We will include new information as we receive it.
An HR-focused webinar will soon be available:
Employment & Staffing Issues in the Medical Office Due to COVID-19
If you have other questions or topics you would like us to research and include, please email OSMA.
Impact of Federal CARES Act
The Federal Coronavirus Stimulus Package
Congress passed a federal funding bill to provide aid in the face of the coronavirus pandemic. At about $2.2 trillion, the Coronavirus Aid, Relief and Economic Security (CARES) Act will be the largest stimulus package passed in modern American history. OSMA will update this resource of information about the stimulus package as any new information becomes available.
There are several major items in the CARES Act, including provisions for:
- Physicians & Practices
- State & Local Governments
Paycheck Protection Program
The U.S. Senate Committee on Small Business & Entrepreneurship released a helpful FAQ document for Small Businesses regarding where to apply and eligibility for the
Paycheck Protection Program.
Visit the FAQ >
Tax Measures for Businesses & Business Loan Programs
The "CARES Act" bill provides significant tax and non-tax stimulus to individuals and businesses. Here is a great resource that provides a brief summary of key provisions.View Full Article >
General Ohio Business Relief Resources
Small Business Association: Economic Injury Disaster Loan Program
Ohio Governor Mike DeWine and Lt. Governor Jon Husted announced that the U.S. Small Business Administration (SBA) has approved the Ohio Development Services Agency’s request to allow small businesses and nonprofits in Ohio to apply for low-interest, long-term loans of up to $2 million through the SBA’s Economic Injury Disaster Loan program.
For more information about the loan program, visit
Bureau of Worker’s Compensation: Premium Deferral
Public and private employer insurance premium installment payments due for March, April and May for the current policy year may be deferred until June 1, 2020. See our updated FAQs document for details.
Ohio Department of Insurance: Health Insurance Premium Deferral
Governor DeWine issued an executive order requiring health insurance companies to offer two months of premium deferral – interest free. The Ohio Department of Insurance issued a bulletin with details about the order – please contact your insurance agent or broker for more specifics about your company’s circumstances.
Ohio – General Business Help
As efforts to combat the outbreak of the COVID-19 virus continue, Governor DeWine and his administration will continue to identify ways to support the state’s small businesses and nonprofits. Any of these entities impacted by the ongoing health crisis are encouraged to email the Development Services Agency for more information.
Business Resources for Healthcare Practices
CMS Expands Accelerated & Advanced Payment Program
On Saturday, March 28, 2020, the Centers For Medicare & Medicaid Services (CMS) announced a major expansion to its accelerated and advanced payment program. Most physicians in Ohio that have billed Medicare in the last 180 days are eligible for emergency funding to address cash flow issues. CMS has developed a detailed fact sheet covering eligibility, enrollment and other details. > Learn More & Enroll
All insurers have revised their telehealth policies to allow for more flexibility in delivering and being reimbursed for care that you provide. As promised last week, The OSMA has developed resources including a how to webinar to assist you in this transition. For the latest information go to OSMA.org/telehealth.
Coronavirus Emergency Loans
The U.S. Chamber of Commerce has issued a Small Business Guide and Checklist document to help small businesses and self-employed individuals prepare to file for a loan.
CMS Delays Quality Reporting Deadlines
CMS announced a delay to upcoming quality reporting deadlines. For 2019 data, reporting deadlines have been delayed by one month until April 30, 2020 and considerations are being made for those that won’t be able to file by that time. Likewise, CMS is reviewing all 2020 data reporting requirements and will be considering changes in the near future.
Liability/Malpractice Questions and Guidance
As physicians are postponing procedures, following recommended state guidelines for treating those with COVID-19 symptoms and beginning to see patients via telemedicine a number of questions are being asked about malpractice coverage and liability. The OSMA’s preferred partner, The Doctors Company, has provided some excellent guidance in a recently developed FAQ. In addition, OSMA is reviewing state statutes and working with other impacted organizations to assess any legislative or regulatory changes that can be made during this time of crisis to ensure the proper protections for physicians are in place.
Extension of Pre-certification/Prior Authorization
As physicians are being asked to postpone previously scheduled procedures and surgeries, we are working with both public and private insurers to extend the timeframes for which you have received patient pre-certifications so you won’t have to go through the additional administrative burden of the process when you reschedule the surgery. Several commercial insurance companies have extended deadlines already (for example Aetna has extended pre-certifications out for 9 months) and we are working with Medicaid and Medicare on similar extensions. We will provide a comprehensive list of what is available when we release our medical practice business relief tool kit later this week.
Financial Aid & Unemployment Resources for Employees
ODJFS Program for Employees: Shared Work Ohio
SharedWork Ohio: allows workers to remain employed and employers to retain trained staff during times of reduced business activity. Under a SharedWork Ohio plan, the participating employer reduces affected employees’ hours in a uniform manner. The participating employee works the reduced hours each week, and the Ohio Department of Job and Family Services (ODJFS) provides eligible individuals an unemployment insurance benefit proportionate to their reduced hours.
Enhanced Unemployment Aid for Ohioans
Executive Order 2020-03D broadens state policy to clarify that individuals who are quarantined during the emergency period are considered to be unemployed. This also applies to companies that determine they need to temporarily shut down.
The executive order waives the one-week waiting period normally required before individuals can begin receiving benefits, and it waives the requirement that they actively search for work while receiving benefits. In order not to penalize employers by increasing their future taxes, the cost of these benefits will be mutualized over time. In addition, the executive order waives penalties for late filing and payment for the duration of the emergency.
To apply for benefits or review more detailed information, visit:
unemployment.ohio.gov anytime day or night, or call 1-877-644-6562 from 8 a.m. to 5 p.m. weekdays.