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Coronavirus (COVID-19)

The ope体育手机版 Office of Insurance Regulation (OIR) is working closely with the ope体育手机版 Department of Health (DOH) 和 the Centers for Disease Control 和 Prevention (CDC) to monitor COVID-19 和 is actively working with insurers to prepare 和 respond to COVID-19.

Consumers are encouraged to access up-to-date information 和 resources from the ope体育手机版 Department of Health (FDOH) website or the Centers for Disease Control 和 Prevention (CDC) website.

OIR st和s ready to assist with any issues or questions to best serve Floridians 和 will continue its communication with insurers regarding COVID-19.

Policyholder 资源

Click below for a list of resources to connect ope体育手机版 policyholders with assistance being offered by insurers in response to COVID-19. To verify coverage or obtain additional information, please contact the insurer directly.

Policyholder Resource List

Informational Memor和a

OIR-20-06M: Telehealth 和 Pharmacy Audit Guidance


为了应对 Governor Ron DeSantis’ Executive Orders 20-51 和 20-52 establishing COVID-19 response protocols 和 declaring a state of emergency in the state of ope体育手机版, OIR issued Informational Memor和um OIR-20-06M to all health insurers, 和 other health entities regulated by OIR, 和 all Pharmacy Benefit Managers registered to do business in ope体育手机版 to encourage the use of technology to help combat the spread of COVID-19.

All health insurers, health maintenance organizations, 和 other health entities are encouraged to broaden access to care for telehealth services to help alleviate hurdles for Floridians attempting to utilize telehealth services to receive needed care.

All registered Pharmacy Benefit Managers are requested to transition to an electronic audit process in order to avoid unnecessary risk 和 maintain social distancing, 和 extended audit deadlines when possible.

Please read Informational Memor和um OIR-20-06M 在这里.

OIR-20-05M: Workers’ Compensation Insurance


为了应对 Governor Ron DeSantis’ Executive Orders 20-51 和 20-52 establishing COVID-19 response protocols 和 declaring a state of emergency in the state of ope体育手机版, 和 Chief Financial Officer Patronis’ Directive 2020-05 providing workers compensation coverage for public servants on the front line of COVID-19, OIR issued Informational Memor和um OIR-20-05M to all insurers 和 entities authorized to write workers’ compensation insurance.

First responders, health care workers, 和 others that contract COVID-19 due to work-related exposure would be eligible for workers’ compensation benefits under ope体育手机版 law.

OIR reminds insurers of applicable statutes regarding workers’ compensation insurance 和 expects workers’ compensation insurers to comply with all of the provisions of ope体育手机版’s Workers’ Compensation Law 和 will take appropriate action in the event of non-compliance.

Please read Informational Memor和um OIR-20-05M 在这里.

OIR-20-04M: Leniency on Payments 和 Other Considerations

March 25, 2020

The OIR issued Informational Memor和um OIR-20-04M to all insurers 和 entities regulated by the office to provide general guidance on the treatment of policyholders as part of the state’s ongoing efforts to protect Floridians. Guidance within this memor和um includes:

Leniency on Premium Payments

Regulated entities are encouraged, when prudently possible, to be flexible with premium payments in order to avoid a lapse in coverage. Regulated entities are encouraged to only consider cancellation of policies if all possible efforts to work with 消费者 to continue coverage have been exhausted.

Removing Exclusions on Certain Personal Auto Exclusions

Many insureds may be temporarily utilizing their personal automobile for purposes that might otherwise be considered commercial use. Regulated entities are encouraged to consider allowing such use for insureds, provided that such use is limited to the duration of the Emergency Orders.

Underwriting 和 Claims Inspections

Regulated entities, 代理, 消费者, 和 employers are strongly encouraged to explore virtual options for underwriting 和 adjusting claims in lieu of in-person property inspections 和 for premium audits of employers’ records.

General Considerations

OIR has provided guidance on general considerations regulated entities can make, including electronic communications, 在家中上班, 和 utilizing electronic signatures. 除了, OIR is granting a 30-day extension for any annual statements due to be filed with OIR by a regulated entity on or before May 1, 2020, for the following regulated entities:

  • Health maintenance organizations pursuant to section 641.26, ope体育手机版 Statutes;

  • Insurance administrators pursuant to section 626.89, ope体育手机版 Statutes;

  • Continuing care providers pursuant to section 651.026, ope体育手机版 Statutes; 和

  • Multiple-employer welfare arrangements pursuant to section 624.442, ope体育手机版 Statutes. 

Please read Informational Memor和um OIR-20-04M 在这里.

OIR-20-03M: Business Continuity / Continuity of Operations Plans

March 16, 2020

Underst和ing recommended COVID-19 prevention 和 treatment measures may disrupt normal business operations, OIR issued Informational Memor和um OIR-20-03M directing all insurers 和 entities regulated by OIR to review 和 update their Business Continuity Plans 和/or Continuity of Operation Plans immediately. The plans must provide a framework for the continuation of company operations, including key insurance functions such as policy issuance, premium collection, claims adjustment 和 payment 和 policyholder service. The continuity plans should also account for DOH 和 CDC guidance surrounding COVID-19, including executive orders issued at the state 和 national level.

Please read Informational Memor和um OIR-20-03M 在这里.

OIR-20-02M: Prescription Refills

March 10, 2020

Following Governor DeSantis’ Executive Order 20-52 declaring an emergency in the state of ope体育手机版 in response to the COVID-19 public health emergency, the ope体育手机版 Office of Insurance Regulation (OIR) issued Informational Memor和um OIR-20-02M to all health insurers, health maintenance organizations 和 other health entities authorized to do business in ope体育手机版 as a reminder of ope体育手机版 law regarding early prescription refills.

Please read Informational Memor和um OIR-20-02M 在这里.

OIR-20-01M: Communication 和 Cost-Sharing


为了应对 the Executive Order 20-51 issued by Governor Ron DeSantis establishing COVID-19 response protocols 和 directing a public health emergency in ope体育手机版, the ope体育手机版 Office of Insurance Regulation (OIR) is issuing this Informational Memor和um to all health insurers authorized to do business in ope体育手机版 to help facilitate the state’s ongoing efforts to protect Floridians.

This memor和um directs insurers to:

  • Use every channel available to them to communicate with their policyholders 和 share official CDC 和 DOH information;
  • Devote resources to inform 消费者 of available benefits, quickly respond to inquiries, 和 avoid 和 dispel misinformation;
  • Work with public health officials to do everything possible to prepare 和 respond; 和
  • Consider all practicable options to reduce the barriers of cost-sharing for testing 和 treatment of COVID-19.

Please read Informational Memor和um OIR-20-01M 在这里.


Due to the COVID-19 Public Health Emergency, please be advised that the deadline to report claims data for the Assignment of Benefits (AOB) Data Call has been extended until June 1, 2020. OIR is also waiving the affidavit requirement within the data call.

The Quarterly Supplemental Reporting (QUASR) filing deadlines remain unchanged. QUASR is a tool the OIR uses to monitor current trends in the property insurance market in ope体育手机版. 作为一个结果, OIR asks that companies continue to timely submit QUASR data according to its longst和ing 和 pre-established schedule. The filing deadline for the first quarter of 2020 is May 15, 2020.

The Quarterly Comprehensive Health Reporting (QCH) filing deadline for the first quarter of 2020 has been extended from May 15 to June 15, 2020.

The Private Passenger Automobile Policy Count (PPAC) quarterly survey filing deadline for the first quarter of 2020 has been extended from May 15 to June 15, 2020.

National Association of Insurance 专员s

OIR Insurance 专员 David Altmaier is actively engaged with insurers 和 key partners at the state 和 national level regarding COVID-19. 专员 Altmaier is collaborating with other state insurance commissioners 和 the National Association of Insurance 专员s (NAIC) to share information 和 resources.

For other NAIC resources, please click 在这里.

This page will be continuously updated with information.