COVID-19 INFORMATION AND FREQUENTLY ASKED QUESTIONS
Eastern Dentists Insurance Company (EDIC) recognizes the importance of providing our clients with trustworthy information that will protect both patients and dental health care personnel during this pandemic. We encourage our clients to check the Centers for Disease Control and Prevention (CDC), the American Dental Association (ADA), state and local health departments, state dental societies, and other reputable sources for the most up-to-date information as well. Please continue to exercise your best professional judgment.
EDIC FREE Webinars
Now available during the pandemic for all dentists and dental students.
EDIC Archived Webinar Library:You will have to login (either existing account or create a new account) to access the webinars. After logging in, click on the Webinars tab.
Recent webinars now available in the library
Practicing Dentistry in the Time of COVID-19 Presented by Mina Paul, DMD, MPH on May 6 & 21.
Dental Practice Legal Obligations and Liabilities During COVID-19 Presented by Attorneys John Bagley, Brian Heermance, and Christopher Martin on April 13 & 20.
If you are experiencing financial hardship, please contact your EDIC Account Manager during normal business hours for further information. 800-898-3342
ADA Announcement from Small Business Administration:
How Dentists Can Apply for Economic Injury Disaster Loans and Paycheck Protection Program 7(a) loans
Coverage and Risk Management Questions
The decision to reopen a dental office or remain closed, absent an overriding state or federal mandate, is a decision to be made by each individual dental practice. The following FAQs were developed to assist dentists in making that decision, as well as to encourage a concerted effort in making the reopening of dental offices the safest environment possible for patients, staff, and dentists.
The safety of patients, dentists, and dental team members is EDIC's utmost concern.
What level of mask should I be using?
This ADA link contains the current mask recommendations, as of April 28, 2020. The CDC recommends facemasks or cloth face coverings for everyone entering the dental setting (dental healthcare personnel and patients), regardless of whether they have COVID-19 symptoms. The CDC also recommends an N95 respirator or a respirator that offers a higher level of protection such as other disposable filtering facepiece respirators, powered air-purifying respirators (PAPRs), or elastomeric respirators for all dental procedures. If a respirator is not available, a combination of a surgical mask and full-face shield. During aerosol-generating procedures (e.g. use of dental handpieces, air/water syringe, ultrasonic scalers), the CDC recommends an N95 respirator or other respirator as described above.
What are the disinfecting protocols?
Routine cleaning and disinfection procedures (e.g., using cleaners and water to pre-clean surfaces prior to applying an EPA-registered, hospital-grade disinfectant to frequently touched surfaces or objects for appropriate contact times as indicated on the product's label) are appropriate for COVID-19 in healthcare settings, including those patient-care areas in which aerosol generating procedures are performed.
Refer to list on the EPA website for EPA-registered disinfectants that have qualified under EPA's emerging viral pathogens program for use against COVID-19.
Can I administer the COVID-19 test before treatment to check the status of a patient?
Your policy provides coverage for dental health care services performed on a patient in your profession. It is not in EDIC's purview to determine what is involved in your scope of practice – that's set forth by your state Board of Registration, or the similar body that governs the practice of dentistry in your state. Your policy does not cover nondental procedures as described in your state's dental practice act.
COVID-19 testing by dentists is being approved by State Boards of Dentistry in some states (e.g., North Carolina). If your state legislature or state board has added the administration of COVID-19 testing to the definition of the practice of dentistry, then your EDIC malpractice policy will cover COVID-19 testing that conforms to the regulations of your state. EDIC recommends using this Informed Consent and Release when administering the testing.
What if I treat a patient and a couple of days later, I find out they tested positive?
Even when you screen patients for respiratory infections, you may treat a dental patient who is later confirmed to have COVID-19.
It may be a good idea to institute a policy to contact all patients who received dental care 48 hours after care. You should ask patients if they are exhibiting any signs or symptoms of COVID-19. If a patient reports signs or symptoms of COVID-19, refer the patient to their medical provider for assessment and follow CDC's Healthcare Personnel with Potential Exposure Guidance.
Additionally, the ADA has offered these Steps to Take if a Patient Reports COVID-19 Exposure After Treatment.
Is there a consent form I can ask my employees to sign?
Dental professionals and staff experiencing fever with either cough or sore throat or muscle aches should not report to work. All personnel and dentists should self-monitor and remain alert to any respiratory symptoms (e.g., cough, shortness of breath, sore throat) and check and record their temperature before beginning work every day, regardless of the presence of other symptoms consistent with a COVID-19 infection. Personnel and dentists with temperatures over 100.4º should return home.
Check your state dental society for any forms that may be available for employees. Remember that you may not ask your employees to sign a form that waives their workers compensation rights.
Can I be sued by patients or employees if they get COVID-19 from my office?
Unfortunately, you can be sued for anything. Policy coverage determinations are individualized. You could also potentially have coverage under your commercial general liability, businessowners package, and workers compensation policies when there are disease exposure claims, depending on the claim circumstances. The claim circumstances will determine which of your policies might apply. If you do receive notice of a claim, please contact the EDIC Claims Management team immediately. Doctors should make sure they are heeding federal and state guidelines, posting appropriate signage, communicating with patients and staff, and following the standard of care. If you are taking extra steps to clean your office, train staff, post signs, etc., then make sure you document those steps.
Do you have a sample informed consent form available for patients that come in for care during the pandemic?
We recommend alerting your patients to the risk of coming in for treatment during the pandemic before they set foot in your office. You can put a sign at the front door, send out an email, and make it part of your voicemail greeting. You can also print it out and ask your patients to sign it before treatment.
"You are receiving dental care during the events of a COVID-19 National Emergency. Please be advised that there may be risks in being in the proximity of dentists, patients, or staff. We are taking precautions to limit the spread of disease, yet there is still a possibility of transmission."
Remember that an informed consent form, by itself, is insufficient to shield you from liability for negligence or violating the standard of care. An informed consent form is designed to be a part of a process of obtaining a patient's agreement, following an explanation and discussion of why treatment is needed, as well as the risks of and alternatives to a procedure. The risk discussion would be where you would highlight the COVID-19 exposure risks, along with other infection risks.
As always, we encourage our clients to check the CDC, the ADA, state and local health departments, state dental societies, and other reputable sources for the most up-to-date information as well.
Please continue to exercise your best professional judgment and stay safe out there.
We encourage our clients to check the Centers for Disease Control and Prevention (CDC), the American Dental Association (ADA), state and local health departments, state dental societies, and other reputable sources for the most up-to-date information as well.
Centers for Disease Control and Prevention
Reopening Guidance for Cleaning and Disinfecting Public Spaces, Workplaces, Businesses, Schools, and Homes
Stress and Coping
Guidance for Risk Assessment and Work Restrictions for Healthcare Personnel with Potential Exposure to COVID-19
Interim Infection Prevention and Control Guidance for Dental Settings During the COVID-19 Response
American Dental Association
Return to Work Interim Guidance Toolkit
Tools for Stress Management & Personal and Professional Development
Coronavirus Frequently Asked Questions
ADA Coronavirus Center for Dentists
Summary of ADA Guidance During COVID-19 Crisis
ADA begins to address coding, billing procedures during COVID-19 outbreak
Respirator Fit Tests
Steps to Take if a Patient Reports COVID-19 Exposure After Treatment.
Testing Dental Employees for Antibodies and Antigens