Does my insurance plan cover Telemedicine visits?

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Most of the larger commercial insurance companies (BCBS, Aetna, Cigna, United HealthCare, etc.) do cover Telemedicine visits. However, it will depend on each patient's plan type and if you are in a state with Parity Law (most states do require insurance companies to treat a Telemedicine visit the same as a regular office visit). We recommend that our patients contact their healthcare insurance companies and making sure that Telemedicine visits are covered under their health plan before scheduling an appointment.

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Medicare Part B only covers Telemedicine service under certain circumstances, depending on the type of medical service (whenever a consultation is medically necessary) and the location of the facility where the patient is. Medicare won't pay for the physician's time or service if patient is in his/her home, even if patient is home-bound. The Telemedicine service must be held at designated originating site such as; 

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• Rural health clinic

• Office of physicians/practitioners

• Skilled nursing facility

• Inpatient hospital

• Hospital-based Renal Dialysis Facilities

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Just like other healthcare insurances, Medicare does not cover everything, deductibles, co-pays and coinsurance are the responsibility of the patient  (If Medicare member is enrolled in a Medigap health insurance, his/her supplement may pay its share).

Medicaid covers certain Telemedicine services for their members; however, like with Medicare there are some basic guidelines and restrictions that you will need to follow, depending on your state of residence (you should check with your state's Medicaid office).

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For more information visit: 

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https://www.cchpca.org/telehealth-policy/current-state-laws-and-reimbursement-policies/maryland-medicaid-live-video-eligible-sites

 

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