All health insurances I know about deductibles and co=pays.
Despite the fact that we have computers, not everyone has a computer, not everyone with a computer has an internet connection. So not everyone with kids are going to be able to attend on-line schools.

It took me a lot of digging but I finally found out what PIC stood for and that they are all counted in the covid tracking by CDC. Pulmonary, Influenza and Covid-19.
A screenshot from the CDC page: https://www.cdc.gov/nchs/nvss/vsrr/covid19/index.htm

If you take out the influenza deaths only 101,910. The regular flu still kills more people than covid-19. Yet we have never shutdown the country for the flu. It is the beginning of the seasonal flu season.