Amwell Telehealth Review: Is It Right for Your Healthcare Needs?

Amwell Telehealth Review: Is It Right for Your Healthcare Needs?

by Ree AI Health Tech Med Tech

In an era where digital healthcare is becoming increasingly prevalent, Amwell is a prominent player in the telehealth arena. But how does Amwell stack up against its competitors?

This in-depth Amwell telehealth review will explore the ins and outs of Amwell’s telehealth services, to help you decide if it’s the right choice for your healthcare needs.

Contents

What is Amwell and How Does It Work?

Amwell is a leading telehealth platform that connects patients with healthcare providers digitally. 

You can access their services from virtually anywhere with internet access or their mobile app. From urgent care to behavioral health, Amwell’s platform is designed to cater to various healthcare needs. 

Available medical services 

Screenshots from Amwell app in Apple's app store
Source: Apple App Store

Amwell offers a broad spectrum of medical services, including:

  • Primary Care: General health consultations.

  • Urgent Care: Immediate care for non-emergency conditions.

  • Behavioral Health: Therapy and counseling services.

  • Specialist Appointments: Access to dermatologists, dietitians, and more.

  • Prescriptions: Medication management and prescription refills.

How to schedule and start a virtual doctor visit 

Scheduling an appointment with Amwell is straightforward:

  1. Enroll: Create an account on the Amwell platform.
  2. Choose: Select a doctor based on their experience and ratings.
  3. Visit: Start your video call using secure, high-quality streaming video.

Most doctor visits last about 10 minutes, but you can extend the time if needed. These doctors can review your medical history, diagnose conditions, and prescribe medications if necessary.

Technical requirements

Older man talking to doctor on tablet - Tima Miroshnichenko
Source: Tima Miroshnichenko (Pexels)

To use Amwell, you need:

  • A computer or mobile device.

  • A stable internet connection.

  • The Amwell app or access to the web-based platform.

If you’re unable to use video, you can call for an audio-only (phone) visit as well. However, you may not be able to obtain a new prescription with an audio-only visit, depending on the state where you live.

Amwell’s Features and Benefits

Next, let’s review Amwell’s valuable features and benefits.

24/7 availability for urgent care

One of the standout features of Amwell is its 24/7 availability. You can access urgent care services anytime, even in the middle of the night or on a holiday. 

Range of specialists available

Doctor talking to patient on laptop by Tima Miroshnichenko
Source: Tima Miroshnichenko (Pexels)

You can choose from a variety of specialists at Amwell, including therapists, neurologists, dermatologists, and dietitians. This broad range of services ensures that you can find the right expert for your specific healthcare needs. 

Some examples of conditions Amwell’s urgent care doctors treat include:

  • Acute Bronchitis

                                      
  • Headache

                                   
  • Fever & Flu

                                    
  • Back pain

     
  • UTI   

                                                         
  • Respiratory Infection 

               
  • Sprains and strains   

                                                 
  • Diarrhea    

                                    
  • Exacerbations of chronic disease (asthma, diabetes)


103,000 providers conducted visits via Amwell in 2023.

Prescription services and management

Amwell doctors can prescribe medications and send them directly to your preferred pharmacy. This is particularly helpful to manage ongoing treatments and chronic conditions, and get your necessary medications fast. 

Note: A video visit is required by most states (not an audio-only visit) before Amwell can prescribe medication.

Integration with health insurance plans

Amwell works with several health insurance providers, making it easier for patients to get covered services. They also offer options for uninsured patients. Let’s dig into that a bit more, shall we?

Cost and Insurance Coverage

Understanding costs and insurance coverage is crucial when considering a telehealth service. This section discusses Amwell’s pricing.

Health insurance on paper

Amwell pricing 

The costs you pay for Amwell visits vary by visit type and insurance coverage:

  • Urgent Care: The cost starts at $69, unless your insurance co-pay is lower. 
  • Mental Health: Therapy sessions range from $99 to $110, depending on the therapist’s qualifications. 
  • Psychiatry: The initial visit for a psychiatric consultation is more expensive at $279. Follow-up visits with the same provider are $109 per visit.

Amwell works with many insurance companies, which can lower your costs. Before booking an appointment, check with your insurance provider. If you don’t have insurance, Amwell still offers competitive pricing.

Comparison with traditional in-person visits

Telehealth visits on Amwell are often more affordable than traditional in-person visits. The convenience of not having to travel and the ability to access care at any time makes it even more cost-effective.

Insurance plans accepted by Amwell

Amwell partners with various insurance companies, including Aetna, Blue Cross Blue Shield, UnitedHealthcare, and Anthem. Many insurance plans cover urgent care and mental health (behavioral health) services to reduce out-of-pocket costs. 

Over 100 million members have Amwell as a covered benefit. To confirm insurance coverage and pricing, check with your insurance provider before making an appointment.

For those without insurance, Amwell offers competitive pricing for its services. The platform ensures that everyone can access quality healthcare, regardless of their insurance status.

A user-friendly platform is essential for effective telehealth services. Let’s examine Amwell’s interface next.

User Experience and Interface

An easy-to-use interface* is essential for a telehealth platform, and Amwell fits the bill.

Black woman smiling at phone with glucose meter on arm

Easy account creation and setup

Creating an account on Amwell is quick and straightforward. The platform guides you through the process, and securely stores your information for future visits.

Navigation of the Amwell app and website

Both the Amwell app and website are designed with user experience (UX) in mind. The intuitive layout makes it easy to find doctors, schedule appointments, and access medical records.

Quality of video consultations

Amwell uses high-quality streaming video for consultations, ensuring clear communication between patients and doctors. This feature is crucial for accurate diagnoses and effective treatment plans.

Patient support and resources

Amwell offers robust patient support, including FAQs, live chat, and phone support. These resources help users navigate the platform and resolve any issues they may encounter.

Is it safe to use Amwell services over the internet? How does Amwell ensure patient data is protected? We answer these questions next. 

Privacy and Security Measures

Privacy and security are paramount in telehealth services. Here’s how Amwell addresses privacy and security concerns.

Doctor showing a patient an app in green

HIPAA compliance and data protection

Amwell is fully compliant with the Health Insurance Portability and Accountability Act (HIPAA), which ensures patient information is securely handled and protected.

Secure messaging and file sharing

The platform uses encrypted messaging and secure file-sharing protocols to protect patient data during communication and consultations.

Patient data storage and access policies

Amwell stores patient data securely, and you can access your medical records anytime. This transparency helps build trust and ensures you have control over your health information.

To provide a balanced view, let’s consider the advantages and potential drawbacks of using Amwell.

Pros and Cons of Using Amwell

Understanding patient feedback can provide valuable insights into the effectiveness of a telehealth service. And like any service, Amwell has its advantages and potential drawbacks. 

Amwell has mixed reviews from users. Amwell offers competitive pricing and a wide range of services compared to other telehealth providers. 

While many praise the convenience and quality of care, others expressed dissatisfaction with customer service, appointment scheduling, and reliability. 

Here’s what people who’ve used Amwell had to say about their experience.

Amwell’s advantages

Amwell’s platform includes all the benefits of a telehealth platform: 

  • Convenience: Access healthcare from anywhere at any time from a user-friendly interface.

  • Range of Services: From urgent care to specialist consultations.

  • Cost-Effective: Often cheaper than in-person visits.

  • Insurance Integration: Works with many insurance providers.

J.D. Power has recognized Amwell for its high customer satisfaction for several years. Amwell ranked No. 1 in the J.D. Power 2020 U.S. Telehealth Satisfaction Study, and only dropped to third place in 2023 behind CVS (1st) and MDLive (2nd).

Potential drawbacks

Based on reviews from those who’ve used Amwell, there are a few issues you may encounter, such as:

Conclusion

Doctor showing something in hands to patient on laptop
Source: Tima Miroshnichenko (Pexels)

Amwell’s telehealth platform provides convenient, accessible, and cost-effective healthcare services. With its wide range of services, 24/7 availability, and integration with many insurance plans, it’s a solid option for those seeking virtual healthcare. However, like any telehealth service, there are areas for improvement. 

Whether you’re looking for urgent care, specialist consultations, or mental health services, Amwell provides a comprehensive solution that could meet your various healthcare needs. Consider your specific healthcare needs, the types of services you require, and your comfort level with virtual consultations when deciding if Amwell is right for you. 

* I offer UX copywriting and content design services.

More of the Best Telehealth Apps

References

Amwell. (n.d.). Trustpilot. Retrieved from https://www.trustpilot.com/review/amwell.com

Amwell for patients: How it works. (n.d.). Amwell. Retrieved from https://patients.amwell.com/how-it-works

Amwell for patients: Online doctor visits, 24/7. (n.d.). Amwell. Retrieved from https://patients.amwell.com

Amwell Ranked No. 1 in the J.D. Power 2020 U.S. Telehealth Satisfaction Survey. (2020). Amwell. Retrieved from 

https://business.amwell.com/about-us/news/press-releases/2020/amwell-ranked-no-1-in-the-j-d-power-2020-u-s-telehealth-satisfaction-study

Enabling hybrid care at scale. (n.d.). Amwell. Retrieved from https://business.amwell.com/

Mixed reviews for Amwell: Long Wait Times, Appointment Cancellations, and Billing Concerns. (n.d.). Kimola. Retrieved from https://kimola.com/reports/unlock-insights-with-amwell-customer-feedback-analysis-trustpilot-en-us-148604

Telehealth Mobile Apps: Preferred Channel for Virtual Care Delivery but Generational Difference Persits, J.D. Power Finds. (2023). J.D. Power. Retrieved from https://japan.jdpower.com/en/press-releases/2023_US_Telehealth_Satisfaction_Study

Telehealth vs. In-Person Visits: Pros and Cons

Telehealth vs. In-Person Visits: Pros and Cons

by Ree Health Tech

Telehealth is a viable alternative to traditional in-person care, sparking an ongoing debate about each of their relative merits. This may leave people wondering about the differences between telehealth vs. in-person visits.

In this article, we’ll explore the pros and cons of telehealth and in-person care so you make informed decisions about your healthcare needs, and determine which option is right for you.

Contents

 

What is Telehealth?

Telehealth, also known as telemedicine, involves the use of digital tools to provide healthcare services remotely. A few examples:

  • Sending and receiving direct messages from your healthcare provider via a patient portal.

  • Email or text reminders about prescriptions.

  • Remote monitoring of your blood sugar, heart rate, sleep patterns, etc.

More background on what telehealth is and its benefits.

Telehealth can be synchronous, where the patient and provider interact in real-time, or asynchronous, where information is shared and reviewed at different times. Types of telehealth services include:

  • Synchronous Telehealth: Real-time interactions via video calls or phone calls.

  • Asynchronous Telehealth: Store-and-forward technology where data, images, or messages are sent and reviewed later.

  • Remote Patient Monitoring (RPM): Continuous monitoring of patients‘ health data using devices that send information to healthcare providers.

Advantages of Telehealth

Telehealth offers several advantages, especially in today’s fast-paced world. An AMA study found that medical practitioners who use telehealth the most were radiologists (39.5%), psychiatrists (27.8%), and cardiologists (24.1%). 

Convenience and accessibility

One of the most attractive things about telehealth is its convenience:

  • No Travel Required: You can have a consultation from the comfort of your home, office, or even while on vacation.

  • Flexible Scheduling: Appointments can be scheduled outside of traditional office hours, making it easier for those with busy schedules.

Cost-effectiveness

With insurance

Telehealth can be less expensive than in-person visits due to lower overhead costs for providers and no travel expenses for patients. 

Many insurance plans cover telehealth services, making it a more affordable option. 

If you are planning a telehealth appointment, ask your health plan if telehealth is covered and the copay or coinsurance amount. Your telehealth appointment may be through your in-network provider or a telehealth company your insurer contracts with.

Without insurance

If you don’t have health insurance, you can contact a telehealth company like AmWell, Teladoc, Doctor On Demand, or MD Live for a medical consultation and get a quote.

More access to specialists

  • Specialist Referrals: Telehealth makes it easier to get specialist consultations, especially for those living in rural or underserved areas (Gajarawala & Pelkowski, 2021).

  • Integrated Care: Health providers can seamlessly integrate telehealth into their healthcare systems, improving overall care coordination.

Mental health services

Telehealth has made mental health services more accessible, giving people access to counseling and therapy without the stigma of visiting a clinic (Harris, 2022).

Limitations of Telehealth

Lock octagon illustration

Despite its many benefits, telehealth also has its drawbacks. Here are some of the biggest limitations.

Technology barriers and connectivity issues

Lack of physical exams

  • Inability to Perform Comprehensive Exams: Some conditions require a physical examination that a health provider can’t do as well via telehealth (Saljoughian, 2021).

  • Potential for Misdiagnosis: Without the ability to perform a hands-on examination, there is a higher risk of misdiagnosis (Gajarawala & Pelkowski, 2021). For example, The Doctors Company said that nearly 70% of their telehealth-related claims have alleged diagnostic errors.

Privacy and security concerns

  • Data Security: While most telehealth platforms are encrypted, there is always a risk of data breaches or hacking (HHS, 2023).

  • Confidentiality: Ensuring privacy during a telehealth session can be challenging, especially if the patient is in a shared or public space (Houser et al., 2023).

When to Choose Telehealth

Elderly woman on Zoom with health provider

Telehealth is not suitable for every situation, but it excels in several areas.

Routine check-ups and consultations

  • Primary Care: Regular check-ups and follow-up appointments can be easily managed through telehealth.

  • Preventive Care: Screenings and preventive measures can often be discussed and managed remotely.

Mental health services

Telehealth provides a convenient and private way to receive mental health support like counseling and therapy.

Chronic disease management

People with chronic conditions like diabetes or hypertension can manage them through regular telehealth consultations and RPM (Harris, 2022).

Minor acute conditions

Health providers can diagnose and treat conditions like colds, minor infections, and rashes via telehealth.

What is In-Person Care?

In-person care is the traditional model of healthcare where patients visit a clinic, hospital, or specialty center to receive medical attention. This type of care is essential for many medical conditions and treatments. In-person healthcare settings include:

  • Clinics: Primary care and specialized clinics offer a wide range of services.

  • Hospitals: For emergency care, surgeries, and complex treatments.

  • Specialty Centers: Focused on specific areas like cardiology, oncology, or orthopedics.

Advantages of In-Person Care

Doctor shows patient Rx

In-person care remains crucial for many reasons. In the same AMA study medical practitioners who use telehealth the least (in favor of in-person care) were obstetrician-gynecologists (9.3%), gastroenterologists (7.9%), and allergists/immunologists (6.1%). 

In-person care offers several unique benefits that are worth considering, as follows.

Comprehensive physical exams

  • Hands-On Assessment: Allows for thorough physical examinations, which are essential for accurate diagnosis and treatment (Saljoughian, 2021).

  • Immediate Diagnostic Tests: Access to lab tests, imaging, and other diagnostic procedures during the visit.

Face-to-face interaction and rapport 

  • Personal Connection: Face-to-face interactions help build trust and rapport between patients and healthcare providers.

  • Non-Verbal Cues: Providers can pick up on non-verbal cues that are easy to miss in virtual consultations.

Complex treatments and surgeries

  • Surgical Procedures: In-person care is necessary for any surgical intervention or complex medical procedures.

  • Emergency Care: Immediate, hands-on care is essential in emergencies.

Drawbacks of In-Person Care

While in-person care has its strengths, it also comes with several disadvantages.

People in waiting room wearing face masks

Longer wait times and scheduling difficulties

  • Appointment Delays: Patients often face long wait times for appointments and in waiting rooms.

  • Scheduling Conflicts: Finding a convenient time for both the patient and provider can be challenging.

Travel requirements and associated costs

Traveling to and from healthcare facilities can be time-consuming and costly, especially for those in rural areas (Harris, 2022).

Exposure to other patients and potential infections

Visiting a healthcare facility increases the risk of exposure to other illnesses, including infectious diseases (Saljoughian, 2021).

Time away from work or family obligations

In-person visits often require taking time off work or away from family responsibilities, resulting in lost productivity.

When to Opt for In-Person Care

Empty white hospital hallway

In-person care is indispensable in some situations, as follows.

Emergencies

Conditions like heart attacks, strokes, and severe injuries require immediate, hands-on medical attention.

Chronic or complex medical conditions

Conditions that require specialized treatment plans and hands-on management benefit from in-person care.

Diagnostic procedures and lab tests

You must complete certain tests and procedures, like blood work and imaging, in a healthcare facility for the most accurate diagnosis.

Hands-on treatments and therapies

Rehabilitation and physical therapy usually require direct interaction with healthcare providers.

Telehealth and in-person care each have their merits. Now, let’s explore how these two approaches can be combined.

Integrating Telehealth and In-Person Care

The future of healthcare likely lies in a hybrid model that combines the strengths of both telehealth and in-person care.

Woman getting a shot in her arm

Hybrid models of care

A blended approach that combines telehealth for routine check-ups and follow-ups with in-person visits can better address more complex needs.

Coordinating care between virtual and physical settings

Ensuring that patient information and care plans are consistent across both telehealth and in-person settings.

Using telehealth for follow-ups after in-person visits

Follow-up appointments can often be conducted via telehealth, saving time and resources.

Conclusion

To sum up the differences in a handy-dandy chart, look at this one from Mira.

Comparison chart - In person vs virtual care chart
Source: Mira (talktomira.com)

Virtual and in-person visits each have unique advantages and limitations. Telehealth offers convenience, cost savings, and improved access to care, especially for routine consultations and mental health services. However, it falls short in situations that require hands-on examinations and immediate medical interventions. 

In-person care remains essential for physical exams, complex treatments, and emergencies, but comes with the drawbacks of longer wait times, travel, and potential exposure to infections.

The best choice between telehealth and in-person care isn’t always black and white. It often depends on your specific health needs, preferences, and circumstances. When you understand the pros and cons of each approach, you can make more informed decisions about your healthcare.  

As technology continues to advance, the integration of telehealth and in-person care will likely become more innovative, sophisticated, and widespread. Remember, the goal is to find the right balance that ensures you receive the best possible care, whether it’s through a screen or in a doctor’s office.

References

Bean, K. (2023). In-Person Vs. Virtual Care: What’s The Difference & Which Is Best. Mira. Retrieved from https://www.talktomira.com/post/telehealth-vs-in-person-care-pros-and-cons

Feldman, D. L. (n.d.). Top Seven Tips for Telehealth. The Doctors Company. Retrieved from https://www.thedoctors.com/articles/top-seven-tips-for-telehealth/

Gajarawala, S. N., & Pelkowski, J. N. (2021). Telehealth Benefits and Barriers. The Journal for Nurse Practitioners, 17(2), 218-221. doi.org/10.1016/j.nurpra.2020.09.013

Harris, A. (2022). Differences between telehealth vs. in-person care. Everlywell. Retrieved from  https://www.everlywell.com/blog/virtual-care/telehealth-vs-in-person-care/

Henderson, E. (2020). Telemedicine or in-person visit? Pros and cons. News Medical. Retrieved from https://www.news-medical.net/news/20201027/Telemedicine-or-in-person-visit-Pros-and-cons.aspx

Houser, S. H., Flite, C. A., & Foster, S. L. (2023). Privacy and Security Risk Factors Related to Telehealth Services – A Systematic Review. Perspectives in Health Information Management; 20(1). 

Robeznieks, A. (2019). Which medical specialties use telemedicine the most? American Medical Association (AMA). Retrieved from https://www.ama-assn.org/practice-management/digital/which-medical-specialties-use-telemedicine-most

Saljoughian, M. (2021). The Benefits and Limitations of Telehealth. U.S. Pharmacist. Retrieved from https://www.uspharmacist.com/article/the-benefits-and-limitations-of-telehealth

Telehealth Privacy and Security Tips for Patients. (2023). U.S. Department of Health and Human Services (HHS). Retrieved from  https://www.hhs.gov/hipaa/for-professionals/privacy/guidance/telehealth-privacy-security/index.html

Understanding Your Telehealth Insurance Options

Understanding Your Telehealth Insurance Options

by Ree Health Tech

The convenience of healthcare access from your home makes telehealth more popular than ever. According to McKinsey, telehealth usage has stabilized at levels 38 times higher than before the pandemic. This surge in virtual care has prompted many insurance providers to expand their telehealth coverage, but you may not know how their telehealth insurance options work. 

Whether you’re looking for convenient access to medical professionals or seeking cost-effective healthcare solutions, you need to understand the telehealth insurance options available to you.

First, let’s explore what telehealth is and why coverage matters.

Contents

What is Telehealth and Why is Insurance Coverage Important?

Telehealth has become a buzzword in recent years, especially with the rise of digital health platforms and the COVID-19 pandemic. 

Telehealth, fairly synonymous with telemedicine, refers to the use of tech to provide healthcare services remotely. This can include video consultations, secure messaging, remote monitoring, texting, audio-only calls, and even virtual prescription refills. 

Benefits of telehealth services

In November 2021, 55% of respondents said they were more satisfied with telehealth or virtual care visits than with in-person appointments. 35% use other digital services, such as ordering prescriptions online and home delivery.

Telehealth benefits patients and healthcare providers in many ways (Hasselfeld, n.d.):

  • Convenience: Patients can consult with their healthcare providers from the comfort of their homes, which eliminates the need for travel and reduces wait times.

  • Access to Care: Telehealth is particularly beneficial for people in rural areas or those with mobility issues, providing access to specialists and primary care providers who may not be available in the local area.

  • Cost-Effective: By reducing the need for physical visits, telehealth can lower healthcare costs for both patients and providers.

  • Preventive Care: Regular virtual check-ups can help in the early detection and management of chronic conditions, improving overall health outcomes.

Importance of insurance coverage for telehealth

Insurance coverage for telehealth services is crucial for several reasons:

  • Reduced Out-of-Pocket Costs: Without insurance, telehealth costs can add up quickly. Insurance coverage helps mitigate these expenses.

  • Access to a Broader Network: Insurance plans often have agreements with a network of providers, making it easier for patients to find in-network telehealth services.

  • Comprehensive Care: Insurance can cover a wide range of telehealth services, from primary care to specialist consultations, ensuring that patients receive comprehensive care.

Now that we understand the basics of telehealth, let’s look at the different types of insurance plans that offer coverage for these services.

Types of Insurance Plans with Telehealth Coverage

When it comes to telehealth, not all insurance plans are created equal. 

One study found that insurers paid less for third-party telehealth visits than in-person care. Before COVID-19, only six U.S. states required equal payment for telehealth and in-person visits. By late 2021, more states adopted these laws, reducing potential cost savings for insurers as telehealth payments increased (Cuellar et al., 2022).

Here’s a breakdown of the different types of insurance plans that cover telehealth services.

Traditional health insurance 

Most traditional/private health insurance plans now include telehealth benefits. These plans cover a variety of services such as video consultations, e-prescriptions, and remote monitoring (HRSA, 2023).

Standalone telehealth insurance

Some companies offer standalone telehealth insurance plans. These are subscription-based services that provide unlimited access to telehealth consultations for a monthly fee.

However, there may be limitations like the specific types of care covered, requiring initial in-person visits, or capping the number of telehealth visits. Recently, many private insurers have started providing telehealth services through third-party platforms like Teladoc or AmWell (Healthcare Service Corporation, 2020).

Medicare and Medicaid

Medicare Part B covers certain telehealth services, including virtual visits with doctors and specialists (Medicare.gov, n.d.). Medicaid coverage for telehealth varies by state, but many states have expanded their telehealth benefits in recent years (Schwamm et al., 2017).

Employer-sponsored plans

People sitting in an auditorium for a presentation

Many employers offer health insurance plans that include telehealth services. These plans often come with additional benefits like mental health services and secure messaging with healthcare providers.

With various telehealth insurance options available, it’s important to know what features to consider when evaluating plans.

What to Look for in Telehealth Insurance Plans

Choosing the right telehealth insurance plan can be overwhelming. Here are some key features to consider.

Scope of covered services

Ensure the plan covers a wide range of services, including:

  • Primary Care: Regular check-ups and preventive care. Many plans cover virtual visits for routine health assessments.

  • Mental Health: Access to telepsychiatry and counseling services. Mental health services via telehealth can be as effective as in-person visits.

  • Specialist Consultations: Ensure the plan includes virtual visits with specialists like cardiologists, and dermatologists. This can save time and reduce the need for physical referrals.

Network of available providers

A robust network of in-network providers ensures that you have access to a variety of healthcare professionals without incurring additional costs. Check if the plan includes:

  • Local Providers: Access to local healthcare providers who offer telehealth services.

  • Specialists: A wide range of specialists are available for virtual consultations.

  • National Networks: Some plans offer access to national networks of providers, which can be beneficial if you travel frequently.

Cost-sharing 

Bottle of pills spilled on currency

Healthcare marketplaces offer affordable individual health insurance plans. These plans must meet standards for cost-sharing, which are the out-of-pocket expenses people pay for medical services. 

Cost-sharing typically includes deductibles, copayments, and coinsurance, though not all plans use all three types (Rakshit et al., 2023):

  • Copayments: The fixed amount you pay for each visit. The fixed amount you pay for each telehealth visit. Some plans may offer lower copayments for virtual visits compared to in-person visits.

  • Deductibles: The amount you need to pay out-of-pocket before the insurance starts covering services. You may want to pair a high-deductible plan with Health Savings Accounts (HSAs) to help manage costs.

  • Coinsurance: The percentage of costs you share with the insurance company after you’ve paid your deductible. For example, a plan might cover 80% of the cost, leaving you to pay the remaining 20%.

Technology platforms and user experience

The technology with a telehealth platform should be easy to use. Look for features like:

  • User-Friendly Interface: An intuitive and easy-to-use platform.

  • 24/7 Availability: Access to healthcare services at any time.

  • Short Wait Times: Minimal waiting period for consultations.

Quality of care

Nursing colleagues in hall wearing blue

While convenience is a significant factor, the quality of care should not be compromised. Look for plans that ensure (Wolters Kluwer, 2023):

  • Clinical Effectiveness: The platform should support high-quality care across different specialties like chronic conditions and mental health issues.

  • Access to Resources: Plans that provide easy access to educational resources can empower patients to take control of their health.

Several insurance companies offer telehealth coverage, each with its own features and benefits. Here’s a comparison of some popular providers in the following table with info from the Center for Connected Health Policy (2021).

ProviderProsConsUnique FeaturesCustomer Satisfaction
AetnaComprehensive coverage & wide networkHigher premiumsIntegration with CVS HealthHigh
Blue Cross Blue ShieldBroad coverage & various plan optionsVaries by stateSpecialized telehealth programsHigh
Kaiser PermanenteIntegrated care model & user-friendly appLimited to certain regionsSeamless care coordinationVery High
UnitedHealthcareExtensive provider network & 24/7 availabilityComplex cost-sharingVirtual health assistantsModerate

Studies show patients prefer video telehealth over audio-only, reporting higher satisfaction and better outcomes. Video telehealth users are less likely to need emergency or in-person care (Lee et al., 2023). 

Armed with knowledge about different plans and their key features, let’s learn how to pick the best telehealth insurance plan for your needs.

How to Choose the Right Telehealth Insurance Plan for You

Doctor and patient virtual meeting both male

Selecting the right telehealth insurance plan requires careful consideration of your healthcare needs and preferences. Here are some steps to guide you.

Assess your healthcare needs

Identify your healthcare needs and preferences. Consider the following questions:

  • Do you need frequent specialist consultations?

  • Are mental health services important to you?

  • Do you have any chronic conditions that need regular monitoring?

Evaluate costs

Consider your budget and review the costs associated with each plan, including premiums, copayments, and deductibles.

  • Premiums: The monthly cost of the insurance plan.

  • Out-of-Pocket Costs: Copayments, deductibles, and coinsurance. For example, Medicare Part B covers certain telehealth services after you’ve paid the deductible, with a 20% coinsurance.

  • Additional Fees: Any additional fees for using telehealth services, such as subscription fees for standalone telehealth plans.

Check provider networks

Ensure the plan has a network of providers that includes your preferred doctors and specialists. This can help you avoid out-of-network charges and ensure continuity of care.

Review policy terms

Med insurance policy paper

Read the policy terms and conditions carefully. Look for any exclusions or limitations on telehealth services (Upvio, n.d.). For example, some plans may limit the number of telehealth visits they cover per year.

Consider integration with an existing plan

If you already have a health insurance plan, check if the telehealth plan works seamlessly with your existing coverage to provide a more comprehensive healthcare solution.

Tips to Maximize Your Telehealth Insurance Benefits

Once you have chosen a telehealth insurance plan, here are some tips to get the most out of it.

Medicare card and Rx closeup

Understand your coverage limits

Know the limits and restrictions of your coverage. This includes the number of visits covered and any specific conditions that apply (Upvio, n.d.). For example, some Medicare Advantage Plans offer more telehealth benefits than Original Medicare. 

Prepare for virtual appointments

Prepare for your virtual visit. Get your medical history and questions ready. Ensure you have a stable internet connection and a quiet, private space for the consultation.

Keep records

Maintain records of your telehealth visits and expenses to help you track your healthcare costs and manage your budget. Keeping detailed records can also be useful for any follow-up care or claims disputes.

Communicate effectively

Effective communication with your healthcare provider is key. Be clear about your symptoms and concerns. Beyond calling, you can use secure messaging within your patient portal to ask follow-up questions or clarify any doubts.

Stay informed

Keep track of any updates to your policy. Insurance plans can change, and staying informed ensures you continue to receive the best care. Check for updates from your insurance provider regularly, and review any new benefits or changes in coverage.

Use available resources

Take advantage of any educational resources provided by your telehealth platform. These resources can help you better understand your health conditions and treatment options, and empower you to make informed decisions about your care.

Conclusion

Telehealth insurance options have expanded significantly, providing us with more flexibility, convenience, and access to virtual care. However, navigating telehealth insurance options can be complex. By understanding the various plans available and considering your unique healthcare needs, you can select a telehealth insurance option that provides comprehensive coverage and peace of mind. 

Remember to review your policy on a regular basis and stay informed about new developments in telehealth insurance. Over time, insurance coverage will likely adapt their virtual care options to meet our changing healthcare needs. Take the time to explore your options and make an informed decision to ensure you’re getting the most out of your telehealth insurance coverage.

References

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Centers for Medicare & Medicaid Services. (n.d.). Telehealth. Medicare.gov. Retrieved from  https://www.medicare.gov/coverage/telehealth

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