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How The Disability Community Can Respond to COVID-19

Ensuring People with Disabilities Can Access Prescription Drugs During the Current Crisis

March 13, 2020

Many people with disabilities are at increased risk of
serious or fatal complications from COVID-19 (coronavirus). In an active
community outbreak, the safest option may be to self-isolate at home, perhaps
for weeks or longer. In order to prepare for this possibility, the CDC is
currently recommending that people at high risk stock up on necessities, including
maintenance prescription medication.

Unfortunately, many people with disabilities can’t take this advice because of
insurance restrictions. Insurers typically refuse to cover refills on 30-day
prescriptions until only three to seven days of medication remain. For certain
controlled substance prescriptions, patients may be legally unable to fill a
new prescription until the date that the previous prescription is scheduled to run
out.

These coverage restrictions could leave many disabled people
in danger. Visiting the pharmacy can be risky for some people with chronic
illnesses in even a normal flu season. Some people with disabilities may also
face logistical challenges in getting to the pharmacy if in-home support services
become disrupted due to a local COVID-19 outbreak. While many people can use
mail order pharmacies to avoid this risk, localized outbreaks and social
distancing measures may disrupt supply chains. We cannot stake our lives on the
assumption that the availability of medications will remain stable in the
coming weeks and months. We need to be able to stock up now, as the CDC
recommends.

Disrupting treatment always endangers patients, but even
more so in a pandemic. COVID-19 is expected to heavily tax the resources of the
health care system. The need for inpatient treatment will likely exceed
capacity in many communities. Even outpatient clinics are likely to have a high
number of patients seeking treatment for COVID-19 symptoms, making avoidable
visits risky for those more vulnerable to complications. Additionally, patients
whose chronic conditions are destabilized are in danger of becoming more
severely ill if they are infected with COVID-19.

Fortunately, a few insurance companies have taken measures
to protect patients. In both Massachusetts and North Carolina, Blue Cross Blue
Shield has waived early refill limits on 30-day maintenance prescriptions.
Recognizing that most of us cannot simply wait for our insurers to behave
responsibly, the Washington state insurance commissioner issued an emergency
order requiring insurers operating in the state to cover early refills. On
March 10th, the Center for Medicare and Medicaid Services issued
guidance
to Medicare Part D plans reminding them of their ability to relax
restrictions on early refills and lift barriers to obtaining prescriptions from
out-of-network pharmacies.

While these emergency policies still fail to provide sufficient
protection for many people with disabilities taking prescribed controlled
substances, they offer significantly more protection than the status quo.

To further safeguard access to treatment, there are some
additional changes beyond allowing for early refills to standard insurance
policy practices that would be beneficial. These include relaxing restrictions
on prescription fills at out-of-network pharmacies and offering coverage of
non-formulary drugs if supply chain issues leave patients with no available
formulary options. Widespread adoption of such policies would go a long way
toward protecting the lives of people with disabilities in the COVID-19 crisis.

Now is the time to reach out to your state’s insurance
Commissioner to urge them to follow Washington State’s lead in requiring early
refills and to take other measures designed to ensure at-risk populations are
able to follow the CDC’s guidance. We’ve prepared a template
for advocacy organizations to use to urge their state’s insurance commissioner
to take these common-sense measures to protect those most at-risk.

While many states have already required insurers to cover
COVID-19 testing and treatment without cost-sharing, insufficient action has
been taken to ensure that people with disabilities have access to early refills
sufficient to comply with CDC guidance.

You can download our template at this link and adapt it to your organization’s needs. These measures will work best if they are undertaken before an active community outbreak in your area. Since our community includes many of those who are most at risk from COVID-19, we urge disability advocacy groups to make this an area of focus in the coming days and weeks.

If your organization is engaged in advocacy on protecting people with disabilities from COVID-19 or if you have been successful at securing action from your state government, we urge you to share details of that through this form. AAPD will be maintaining a page keeping track of advocacy efforts and policy measures to protect the disability community for the duration of the crisis.

Ari Ne’eman is a Visiting Scholar at the Lurie Institute
for Disability Policy at Brandeis and a PhD student in Health Policy at Harvard
University. He is a member of the AAPD Board of Directors.

Kit Albrecht is a Research Associate at the Association
for Autistic Community.

The post How The Disability Community Can Respond to COVID-19 appeared first on AAPD.

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Originally published as How The Disability Community Can Respond to COVID-19 at American Association of People with Disabilities

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