"Self-funded employers are expected to retain flexibility to cover the COVID-19 vaccines at no cost to members. Health plans and pharmacy benefit managers are awaiting confirmation. Fully insured employers, on the other hand, may face more limitations. ... [as they] are subject to the carrier's interpretation of federal and state guidance. If the vaccine is not broadly recommended for healthy individuals under 65, carriers may limit coverage to only those with a medical indication or a provider's prescription."  MORE >>