Federal Relief Programs

This matrix helps break down the different types of federal relief options available for application to determine which one or ones are appropriate for you. Immediate financial payment can be available as quickly as 3 days following application submission.

 
Paycheck Protection Program (PPP)
Economic Injury Disaster Loan (EIDL)

(The SBA is currently unable to accept new applications based on available appropriations funding.)

Express Bridge Loan

Best For

Small business intending to maintain current staff and payroll.

Small business in need of expedited cashflow.

Small business with an existing relationship with a SBA Express Lender.

Loan Administrator

SBA Lender or participating FDIC-insured lender/credit union

SBA

SBA Express Lender

Loan Relief Amount

2.5x avg monthly payroll costs ($10M cap)

Based on amount of financial injury ($2M cap)

$25K

Who Can Apply?

< 500 employees

In business prior to Feb 15, 2020

< 500 employees

< 500 employees

Existing relationship with SBA Express Lender

In business prior to Mar 13, 2020

Loan Coverage Period

Feb 15, 2020 - Jun 30, 2020

Jan 31, 2020 - Dec 31, 2020

Mar 25, 2020 - Mar 13, 2021

Loan Advance

None

$10,000 within 3 days

None

Interest

Capped at 4%

3.75%

Capped at 6.5%

First Loan Payment Due

6 months after origination date

1 year after origination date

Lenders may require full/partial repayment if you are approved for long-term financing

Term

10 years

30 years

7 years

Loan Forgiveness

Yes

No

No

Collateral

No

Yes > $25,000

No

Guarantee

No

Yes > $200,000

No

 

(The SBA is currently unable to accept new applications based on available appropriations funding.)

How to Apply

Virtual Services Billing Guidelines

If your practice is exploring alternative methods to remotely check-in with your patients and evaluate their health, there are a number of telemedicine services that may be reimbursable by CMS and private payers, or services you may decide to fold into your membership or cash-based offerings. CMS specifically categorizes virtual services into 4 groups: telehealth visits, virtual check-ins, eVisits and (new) telephone-only E/M.

See the table below for billable codes associated with each of these telemedicine services. As coding requirements may differ by payer, we recommend confirming requirements before you submit your claims.

 
Telehealth
Virtual Check-ins
Telephone E/M
eVisits

Communication Mechanism

2-way interactive audio-visual

Note: Some states are allowing audio only*

Phone call or Image/video sent by patient and reviewed async by provider

Phone call

HIPAA compliant patient portal/secure messaging system

Medicare FFS Billing

CPT Codes

  • 99201-99205
  • 99211-99215
  • G0438-G0439 (AWV)

For Facility Rate:

  • POS 2
  • Generally no modifier, unless GQ for Alaska/Hawaii federal demonstration program

For Non-Facility Rate:
Generally higher reimbursement

  • POS 11
  • Modifier 95

Phone:

  • G2012

Image/video:

  • G2010

Qualified Non-Physician:

  • 98966-98968

Physician:

  • 99441-99443

Qualified Non-Physician:

  • G2061-G2063

Physician:

  • 99421-99423

For additional information on billing and workflow recommendations for virtual services, please visit this link.

If you are seeing non-member patients, we recommend taking the following steps:

  1. Create a rate for Telehealth visits. Most practices will apply their general face-to-face visit fees, matching a similar payment pattern seen in the fee-for-service model.
  2. Create a mechanism to track these patients to distinguish them from membership patients. If you are Hint-integrated, use a patient tag to track “non-Members” in Hint. If you are not Hint-integrated, use a patient tag to track “non-Members” in Elation

Additional COVID-19 Programs

Please refer to our Additional COVID-19 Programs for details on payer-/service- specific financial relief programs. We will make frequent updates to this listing as new programs become available.

FAQs

Common questions and concerns about our financial guide can be found in our FAQs.
If you have any questions, click here to contact us.