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August 22, 2023

Insurance and Telehealth: What You Need to Know

Insurance and Telehealth: What You Need to Know

Telehealth, or seeing a doctor online, has become a popular way to take care of our health. It’s easy, convenient, and you can do it from home. But you might be wondering, “Will my insurance cover this?” The good news is that many insurance companies do cover telehealth, but it’s important to understand the details.

Understanding Insurance

Insurance is like a safety net for your health. When you’re sick or injured, insurance can help pay for your medical care. You, or your parents, pay a monthly fee, and in return, the insurance company agrees to pay for part of your medical bills.

Does Insurance Cover Telehealth?

Many insurance companies now cover telehealth. This means they will help pay for your online doctor visits just like they would for in-person visits. The reason is simple: telehealth has proven to be a great way to get medical care. It’s just as effective as seeing a doctor in person for many health issues, and it’s often more convenient for patients.

What Does Insurance Cover in Telehealth?

Just like with regular doctor visits, insurance can cover different parts of a telehealth visit. This can include the actual appointment with the doctor, any tests the doctor orders, and prescriptions the doctor gives you.

But it’s important to remember that insurance doesn’t usually cover everything. You might still need to pay a part of the cost, called a copay, just like you would for an in-person visit.

Medicare and Medicaid

For those who use Medicare or Medicaid, the rules have changed in recent years to include more telehealth services. So, if you or your parents use these programs, you’ll likely find that many telehealth visits are covered.

Checking Your Coverage

Different insurance companies, and different plans within those companies, can have different rules for what they cover. So, it’s always a good idea to check your own insurance plan or ask your parents to check theirs.

You can do this by calling the customer service number on the back of your insurance card. When you call, you can ask if telehealth visits are covered and what you might need to pay out-of-pocket.

No Insurance?

If you or your family don’t have insurance, don’t worry. Some telehealth services offer lower costs for people without insurance. Also, some states have programs to help kids and teens get the medical care they need.


So, does insurance cover telehealth? In many cases, the answer is yes! Insurance companies recognize the value of telehealth and often include it in their coverage. But because every insurance plan is different, it’s always a good idea to check your own plan to understand exactly what is covered.

Remember, whether you’re using telehealth or visiting a doctor in person, the goal is the same: to keep you healthy. And insurance is one tool that can help make that happen. Don’t be afraid to ask questions and learn more about how your insurance works with telehealth. Your health is worth it!

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