What you need to know about telehealth and your health insurance plan

Going to the doctor’s office can be a pain – especially if you’re already ill. But what if there was a way you could attend your appointment from the comfort of your own home? Enter telehealth!

What is telehealth?

Telehealth is a method of seeing your doctor electronically via devices such as cell phones or computers. It can be convenient for both the practitioner and yourself.

Which insurances cover telehealth?

Whether or not telehealth is a covered benefit under your health insurance depends on the particular plan you purchased. Many insurers are starting to acknowledge its benefits, including increased patient compliance, better prevention and more positive outcomes as well as reduced costs.

Presently, in 30 states and Washington D.C., private insurance is required to reimburse you for any telehealth services you receive. All you’re responsible for is the co-payment or co-insurance. In addition, Medicare Part B covers telemedicine for patients who live in rural areas, but the amount you’re reimbursed depends on the state where you live. Finally, employer-provided health insurance plans may offer telehealth benefits, but check with your employer first.

If you want to know if your specific plan covers telehealth, or under which circumstances, talk to your health insurance broker today.