How Digital Health Platforms Affect Healthcare Costs

AI Health Tech Med Tech

As healthcare costs continue to go up, digital health platforms are emerging as powerful cost-cutting tools. The global digital health market size was estimated at $240.9 billion in 2023 and is projected to grow at a compound annual growth (CAGR) of 21.9% from 2024 to 2030. 

These platforms are not just fancy apps or websites. From telehealth to AI-powered diagnostics, digital health applications are changing healthcare for the better. 

How do these platforms trim the fat from our bloated healthcare system? Let’s explore the ways digital health can make healthcare more affordable for everyone.

Contents

Telemedicine: Healthcare at Your Fingertips

Telemedicine brings healthcare right to your home, office, or wherever you are. It’s like having a doctor in your pocket! But how does this convenience translate to cost savings?

Woman in green sweater talking to doctor on Zoom

Virtual doctor visits reduce travel and waiting room costs

A study published in the Journal of Medical Internet Research found that telehealth visits saved patients an average of 100 minutes of travel time and $50 in travel costs per visit (Snoswell et al., 2020).

Think about the last time you went to the doctor. How much time did you spend traveling and sitting in the waiting room? With telehealth, those time and money costs disappear. 

Fewer ER visits

How often have you wondered if that late-night stomach ache was worth a trip to the ER? Telehealth tools like AI chatbots can help you make that decision without leaving home. 

Cost savings for both patients and healthcare providers

It’s not just patients who save money. Healthcare providers benefit too. Telehealth services have been found to reduce healthcare costs for providers and patients. Even better, many insurers now have an allowance to cover the cost of certain telehealth visits.

Preventive Care: Stopping Problems Before They Start

Have you ever heard the saying “an ounce of prevention is worth a pound of cure”? Digital health platforms are making this old adage more relevant than ever.

How digital platforms promote healthy habits

Fitness app in the gym

From step counters to diet trackers, digital health apps are helping us stay healthier. But do they really make a difference? A study by Ernsting et al. (2017) found that users of health and fitness apps were 34% more likely to meet physical activity guidelines compared to non-users.

Wearable devices and their impact on early detection

glucose monitor on arm with phone app showing glucose level

Smartwatches surpass the practical use of telling time–they’re becoming powerful health monitors. For example, Apple Watch’s ECG feature can detect atrial fibrillation with 98% accuracy, potentially preventing strokes and saving lives (Perez et al., 2019).

How AI and big data can predict health risks and reduce costs

Big Data Analytics in healthcare uses AI, machine learning and deep learning tools to help doctors find the best treatments for each patient, which can reduce waste. This lets doctors predict health problems  and start treatments early, which can save lives. This could change how common certain diseases are and save money on healthcare (Batko & Ślęzak, 202​​2).

Cost savings through prevention vs. treatment

Prevention isn’t just better for our health—it’s better for our wallets too. The Centers for Disease Control and Prevention estimates that chronic diseases that are avoidable through preventive care account for 75% of the nation’s healthcare spending.

Streamlined Administrative Processes

Paperwork is no one’s favorite part of healthcare. Digital platforms are making administrative tasks faster, easier, and more cost-effective.

Automated appointment scheduling and reminders

Have you ever forgotten a doctor’s appointment? Digital reminders can help. 

Smartwatch with phone and dumbbells

Ulloa-Pérez et al. (2022) found that sending an extra text reminder for high-risk appointments reduced no-shows in primary care and mental health offices, and same-day cancellations in primary care offices. 

Targeting reminders using risk prediction models (predictive analytics) can efficiently use healthcare resources, potentially preventing hundreds of missed visits monthly. This approach saves costs compared to messaging all patients, though implementing the risk model has some costs.

Digital health records reduce paperwork and administrative errors 

Nurse charting

Remember when doctors used to write prescriptions by hand? Digital health records make all kinds of admin work more efficient. A study in the Journal of the American Medical Informatics Association found that electronic health records with AI can reduce medication and billing errors.

Cost savings through improved workflow and resource allocation

Efficient workflows mean better care at lower costs. A study in the Journal of Medical Internet Research found that digital health platforms improved hospital workflow efficiency by 25%, leading to annual cost savings of $1.2 million for a mid-sized hospital (Luo et al., 2019).

Person looking at white overlay

Data-Driven Insights for Better Decision Making

In the age of big data, information is power. Healthcare is no exception. With all this digital information, doctors can make smarter choices about your health. 

How big data analytics improve treatment plans

A study in the Journal of Big Data found that big data analytics improved treatment efficacy by 30% and reduced treatment costs by 20% (Dash et al., 2019).

Cost savings from shorter and fewer hospital stays

Nurse standing in a recovery room

Have you ever wondered how hospitals decide how many beds they need? Predictive analytics is the answer. It can reduce hospital bed shortages and decrease operational costs.

Hospital stays are expensive, but RPM can help shorten them. RPM allows patients to be discharged an average of 2 days earlier, resulting in cost savings of $7,000 per patient.

Personalized medicine and its impact on cost reduction

One size doesn’t fit all in healthcare. Targeted treatments are more effective and cost-effective. 

  • Personalized treatment plans based on genetic data improve treatment efficacy and reduce adverse drug reactions (ADRs).
ECG monitor closeup on stomach

Remote Patient Monitoring: Reducing Hospital Stays

Sometimes, the best hospital care happens outside the hospital. 

Remote patient monitoring (RPM) allows health providers to keep an eye on patients without keeping them in the hospital. From smart pills to wearable sensors, remote monitoring technologies are diverse and growing. 

Impact on reducing hospital readmissions

Nobody likes going back to the hospital. Remote monitoring can help prevent that. A study in the New England Journal of Medicine found that remote monitoring reduced hospital readmissions for heart failure patients by 50% (Perez et al., 2019).

Management of chronic conditions from home

Gentleman taking his blood pressure in tan shirt

Chronic conditions are a major driver of healthcare costs. Remote monitoring can help manage these conditions more effectively. 

A 2024 study showed that telehealth reduces healthcare costs by cutting down on hospital visits, travel time, and missed work, especially for managing chronic conditions. This benefits both patients and healthcare systems financially (Prasad Vudathaneni et al., 2024).

Increasing Access to Specialized Care

Specialized care can be hard to access, especially in rural areas. Digital health isn’t just about general care – it’s also bringing expert help to more people.

Telehealth solutions for rural and underserved areas

Rural healthcare access is a major challenge. Telehealth can help bridge that gap. A study in Health Affairs found that telehealth increased access to specialty care in rural areas by 54%.

Telehealth also faces challenges like high setup costs and outdated payment models, especially in rural areas. Its success depends on cost distribution, clinical outcomes, and indirect savings. Hospitals need funding and strategies to reach underserved groups and ensure fair access to telehealth (Anawade et al., 2024).

Virtual second opinions and their impact on treatment decisions

Getting a second opinion can be life-changing. Virtual platforms make it easier than ever. Virtual second opinions can change the diagnosis or treatment plan in over one-third of cases, potentially avoiding unnecessary procedures and costs.

Conclusion

Digital health platforms are powerful allies to counteract rising healthcare costs. By leveraging technology for prevention, efficiency, and data-driven insights, these platforms are making healthcare more accessible and affordable. From applications like telehealth reducing unnecessary ER visits to catching illnesses early with AI-powered diagnostics, the potential for cost savings is huge. 

As patients, we can embrace these digital tools to take control of our health and potentially lower our healthcare expenses. For healthcare providers, adopting these platforms could lead to more efficient operations and better patient outcomes. 

What do you think about these digital health innovations? Have you used any of these technologies in your own healthcare journey? 

References

Anawade, P. A., Sharma, D., & Gahane, S. (2024). A Comprehensive Review on Exploring the Impact of Telemedicine on Healthcare Accessibility. Cureus, 16(3). doi.org/10.7759/cureus.55996

Batko, K., & Ślęzak, A. (2022). The use of Big Data Analytics in healthcare. Journal of Big Data, 9(1). doi.org/10.1186/s40537-021-00553-4

Centers for Disease Control and Prevention. (2021). Chronic diseases in America. Retrieved from https://www.cdc.gov/chronicdisease/resources/infographic/chronic-diseases.htm

Dash, S., Shakyawar, S. K., Sharma, M., & Kaushik, S. (2019). Big data in healthcare: Management, analysis and future prospects. Journal of Big Data, 6(1), 1-25. doi.org/10.1186/s40537-019-0217-0

Ernsting, C., Dombrowski, S. U., Oedekoven, M., & Kanzler, M. (2017). Using smartphones and health apps to change and manage health behaviors: A population-based survey. Journal of Medical Internet Research, 19(4), e101.

Grand View Research. (2024). Digital Health Market Size, Share & Trends Analysis Report By Technology (Healthcare Analytics, mHealth), By Component (Hardware, Software, Services), By Application, By End-use, By Region, And Segment Forecasts, 2024 – 2030. Retrieved from https://www.grandviewresearch.com/industry-analysis/digital-health-market

Luo, L., Li, J., Liang, X., Zhang, J., & Guo, Y. (2019). A cost-effectiveness analysis of a mobile-based care model for community-dwelling elderly individuals. Journal of Medical Internet Research, 21(5), e13563.

Perez, M. V., Mahaffey, K. W., Hedlin, H., Rumsfeld, J. S., Garcia, A., Ferris, T., Balasubramanian, V., Russo, A. M., Rajmane, A., Cheung, L., Hung, G., Lee, J., Kowey, P., Talati, N., Nag, D., Gummidipundi, S. E., Beatty, A., Hills, M. T., Desai, S., … Turakhia, M. P. (2019). Large-scale assessment of a smartwatch to identify atrial fibrillation. New England Journal of Medicine, 381(20), 1909-1917.

Personalized Medicine Coalition. (2020). The personalized medicine report: Opportunity, challenges, and the future. Retrieved from http://www.personalizedmedicinecoalition.org/Userfiles/PMC-Corporate/file/The-Personalized-Medicine-Report1.pdf

Prasad Vudathaneni, V. K., Lanke, R. B., Mudaliyar, M. C., Movva, K. V., Kalluri, L. M., & Boyapati, R. (2024). The Impact of Telemedicine and Remote Patient Monitoring on Healthcare Delivery: A Comprehensive Evaluation. Cureus, 16(3). doi.org/10.7759/cureus.55534

Snoswell, C. L., Taylor, M. L., Comans, T. A., Smith, A. C., Gray, L. C., & Caffery, L. J. (2020). Determining if telehealth can reduce health system costs: Scoping review. Journal of Medical Internet Research, 22(10), e17298.

Ulloa-Pérez, E., Blasi, P. R., Westbrook, E. O., Lozano, P. , Coleman, K. F., & Coley, R. Y.  (2022). Pragmatic Randomized Study of Targeted Text Message reminders to Reduce Missed Clinic Visits. The Permanente Journal, 26(1), doi/10.7812/TPP/21.078

Winstead, E. (2023). Telehealth Can Save People with Cancer Time, Travel, and Money. National Cancer Institute. Retrieved from https://www.cancer.gov/news-events/cancer-currents-blog/2023/telehealth-cancer-care-saves-time-money

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

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

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.

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 in Primary Care: Its Benefits and Limitations

Telehealth in Primary Care: Its Benefits and Limitations

Health Tech

Telehealth has dramatically changed how primary care is delivered, especially since the COVID-19 pandemic. Analyses of commercial claims in 2022 show that telehealth services were mostly rendered by primary care, psychiatry and psychology clinicians, as well as social workers. This shift expands healthcare access. It’s also introduced new challenges and opportunities for providers and patients that use telehealth in primary care. 

In this article, we’ll explore the various facets of telehealth in primary care, its benefits, challenges, and best practices for implementation.

Contents

Benefits of Telehealth in Primary Care

Let’s look at some advantages of using telehealth in a primary care practice.

Cost-effectiveness

Telehealth can be cost-effective for both healthcare providers and patients. It reduces overhead costs for healthcare facilities and lowers patient expenses related to transportation and time off work.

  • Reduced Overhead: Healthcare providers can save on costs related to office space, utilities, and administrative staff.
  • Lower Patient Costs: Patients save money on travel expenses and can avoid taking unpaid time off work for appointments.
  • Efficient Resource Use: Telehealth can help optimize the use of healthcare resources by reducing the need for in-person visits for minor issues.

Increased access to care

Elderly woman on Zoom with health provider

Telehealth has made healthcare more accessible, especially for those in remote or underserved areas. Patients no longer need to travel long distances to see a doctor. This is particularly beneficial for people with mobility issues or those without reliable transportation.

  • Remote Access: Telehealth allows patients in rural areas to access specialists and primary care providers without the need for travel.

  • Convenience: Patients can schedule appointments at times that work best for them, reducing the need to take time off work or arrange childcare.

  • Reduced Costs: Telehealth can save patients money on travel expenses and lost wages from taking time off work.

Improved patient engagement

Telehealth makes it easier for patients to stay in touch with their healthcare providers. This can lead to better patient adherence to treatment plans, and improved health outcomes (Hatef et al., 2024). A few specific telehealth offerings that help improve patient engagement are:

  • Continuous Monitoring: Telehealth allows for continuous monitoring of chronic conditions, allowing for prompt interventions.

  • Follow-Ups: Virtual follow-up appointments can ensure that patients are following their treatment plans and making necessary lifestyle changes.

  • Patient Education: Telehealth platforms can provide educational resources to help patients understand their conditions and treatments better.

Telehealth case management (TCM)

Black man using his blood pressure monitor at home

In a Canadian study, health providers noted that TCM helped them to effectively coordinate care and support patients’ self-management, including remote monitoring, which improves patient engagement between visits.  

TCM is well-suited for activities like check-ins, refills, reminders, and care coordination, but in-person appointments are often required for complex needs and initial assessments. Providers noted that video visits can help bridge the gap between in-person and phone visits, but the lack of face-to-face interaction can obscure visual health cues (Delahunty-Pike et al., 2023).

Phone visit attendance vs. video visits

A study published in the Journal of General Internal Medicine compared non-attendance rates for telehealth and in-person primary care visits at a large urban healthcare system (Chen et al., 2022). The researchers found that telephone visits had similar or lower non-attendance rates compared to in-person visits, but video visits had higher non-attendance rates. This suggests that phone visits may be easier for patients than video visits.

They also identified certain demographic groups that had consistently higher or lower non-attendance rates across visit modalities. Patients who were White, male, and had public insurance or no insurance, and generally had higher non-attendance rates. In contrast, patients who were Asian or had more comorbidities had lower non-attendance rates.

These findings highlight the importance of considering patient preferences, digital access, and demographic factors when implementing telehealth services. 

Telehealth Challenges and Limitations

While telehealth has many advantages in healthcare, it also presents several challenges that healthcare providers and patients must navigate.

Frustrated woman with hand up and laptop

Technical barriers

The technical barrier is one of the biggest challenges people face when using telehealth. Some patients don’t have access to the necessary technology or the digital literacy to use telehealth platforms effectively.

  • Internet Connectivity: Reliable internet access is essential for telehealth, but not all patients have access to high-speed internet.
  • Access to Devices: Some patients may not have access to smartphones, tablets, or computers needed for telehealth visits.
  • Digital Literacy: Patients and providers need to be comfortable using telehealth technology.

Health insurance squeeze heart

Telehealth regulations and reimbursement policies vary widely, which can create challenges for healthcare providers (Mechanic et al., 2022).

  • Variable Regulations: Telehealth regulations differ by region, making it challenging for providers to navigate the legal landscape.

  • Reimbursement Challenges: Obtaining reimbursement for telehealth services can be difficult, as insurance policies and government programs may not always cover these services.

  • Licensing Issues: Providers may need to be licensed in the state where the patient is located, which can complicate the delivery of telehealth services.

Quality of care concerns

Some healthcare providers and patients are concerned about the quality of care delivered via telehealth. While telehealth can be effective for many types of care, it may not be suitable for all situations.

  • Physical Examinations: Certain conditions require a physical examination, which can be difficult to perform remotely.

Best Practices to Implement Telehealth in Primary Care

To successfully implement telehealth in a primary care practice, there are several best practices healthcare providers should consider.

Technology and infrastructure

Implementing telehealth successfully requires investment in reliable technology and infrastructure.

  • Reliable Platforms: Healthcare providers should invest in robust telehealth platforms that offer high-quality video and audio capabilities.

  • Cybersecurity: Protecting patient data is crucial. Providers should implement strong cybersecurity measures to ensure patient privacy.

  • Technical Support: Offering technical support to both patients and providers can help overcome some of the technical barriers to telehealth.

Training and support

Workplace presentation

Proper training and support are essential for both healthcare providers and patients to use telehealth effectively.

  • Provider Training: Healthcare providers should receive comprehensive training on how to use telehealth platforms and deliver care virtually.

  • Patient Support: Providing patients with resources and support can help them navigate telehealth platforms and feel more comfortable with virtual visits.

  • Ongoing Education: Continuous education for providers and patients can help keep them updated on best practices and new developments in telehealth.

Patient-centered approaches

patient lying on couch in therapist office

Health providers should customize telehealth options to meet the individual needs of their patients and ensure the best possible outcomes. Some ideas:

  • Personalized Care: Telehealth services should be customized to address the specific needs and preferences of each patient (Cannedy et al., 2023).

  • Managing Cost Expectations: It’s important to manage patient expectations around insurance coverage and reimbursement for telehealth, as uncertainty can deter long-term investment (Khairat et al., 2023).

  • Patient Education: Patients, especially older adults, may struggle to remember information from telehealth visits and miss printed summaries. Sending visit summaries via a patient portal and referencing educational videos can mitigate these issues (Khairat et al., 2023).
  • Feedback Mechanisms: Incorporating patient feedback can help improve telehealth services and ensure they meet patient needs.

  • Accessibility: Ensuring that telehealth platforms are accessible to all patients, including those with disabilities, is essential for providing equitable care.

Work-life balance improvement

Telehealth in primary care has shown mixed effects on healthcare providers (Cannedy et al., 2023). 

In a report for the Veterans Health Administration (VA), some primary care team members reported that telehealth increased their job flexibility and reduced burnout, with shorter patient visits. 

However, others experience anxiety and reduced job satisfaction due to challenges in remote patient management, workflow changes, and technology issues. 

To improve telehealth adoption and satisfaction among healthcare professionals, effective education, quality technology, and better workflow integration are crucial. Overall, the impact of telehealth on provider well-being and job satisfaction remains complex and varied.

Future of Telehealth in Primary Care

As telehealth continues to change and improve, we must explore its potential developments and trends.

Integration with traditional care

The future of telehealth in primary care will likely involve a hybrid model that combines in-person and virtual visits.

  • Hybrid Models: Combining telehealth with traditional in-person visits can provide a more comprehensive approach to care.

  • Preventive Care: Telehealth can also be used for preventive care, such as routine screenings and health education.

  • Chronic Disease Management: Telehealth can be particularly effective for managing chronic conditions, allowing for regular monitoring and timely interventions.


    A study of patients with chronic conditions found that physical exams make up a small percentage of in-person chronic condition management consultations. Discussions are critical for clinicians when they update treatment plans, as history-taking is more important than physical exams for diagnoses (Ward et al., 2023).

Advancements in Telehealth Technology

Emerging technologies are likely to play a significant role in the future of telehealth.

Policy and Regulation Evolution

As telehealth continues to grow, policies and regulations will need to evolve to support its use.

  • Policy Changes: Post-pandemic changes to telehealth policies may make it easier for providers to offer telehealth services.

  • Standardization: Efforts to standardize telehealth practices and reimbursement policies can help ensure consistent and equitable access to telehealth services.

  • Licensing Reforms: Reforms to licensing requirements can make it easier for providers to offer telehealth services across state lines.

Conclusion

Telehealth in primary care is here to stay. Its suitability depends on several factors like patient preferences, digital access, health conditions, and provider needs. While it offers flexibility, disparities in internet access and workflow disruptions can undermine its advantages.

To improve access and engagement in care, health providers must address barriers and design telehealth services that better meet the needs of diverse patient populations (i.e., in demographics, technical skill, and access).

The integration of telehealth with traditional care models will likely continue to evolve, making healthcare more accessible and efficient. By adopting best practices and leveraging technological advancements, healthcare providers can improve the telehealth experience for their patients, and increase engagement. 

Explore the possibilities of telehealth in your practice today and join the movement towards a more connected and patient-centered healthcare system.

References

Cannedy, S., Leung, L., Wyte-Lake, T., Balut, M. D. Dobalian, A., Heyworth, L. Paige, N. M. & Der-Martirosian, C. (2023). Primary Care Team Perspectives on the Suitability of Telehealth Modality (Phone vs Video) at the Veterans Health Administration. Journal of Primary Care & Community Health. 14(1-8). doi:10.1177/21501319231172897

Chen, K., Zhang, C., Gurley, A., Akkem, S., & Jackson, H. (2023). Appointment Non-attendance for Telehealth Versus In-Person Primary Care Visits at a Large Public Healthcare System. Journal of General Internal Medicine; 38, 922–928. doi.org/10.1007/s11606-022-07814-9

Delahunty-Pike, A., Lambert, M., Schwarz, C., Howse, D., Bisson, M., Aubrey-Bassler, K. Burge, F., Chouinard, M., Doucet, S., Luke, A., Macdonald, M., Zed, J., Taylor, J, & Hudon, C. (2023). Stakeholders’ perceptions of a nurse-led telehealth case management intervention in primary care for patients with complex care needs: a qualitative descriptive study. BMJ Open; 13:e073679. doi:10.1136/bmjopen-2023-073679

Hatef, E., Wilson, R. F., Zhang, A., Hannum, S. M., Kharrazi, H., Davis, S. A., Foroughmand, I., Weiner, J. P., & Robinson, K. A. (2024). Effectiveness of telehealth versus in-person care during the COVID-19 pandemic: A systematic review. Npj Digital Medicine, 7(1), 1-10. doi.org/10.1038/s41746-024-01152-2

Khairat, S., Chourasia, P., Muellers, K. A., Andreadis, K., Lin, J. J., & Ancker, J. S. (2023). Patient and Provider Recommendations for Improved Telemedicine User Experience in Primary Care: A Multi-Center Qualitative Study. Telemedicine Reports, 4(1), 21-29. doi.org/10.1089/tmr.2023.0002

Mechanic, O. J. , Persaud, Y., & Kimball, A. B. (2022). Telehealth Systems. StatPearls. Retrieved from https://www.ncbi.nlm.nih.gov/books/NBK459384/

Telehealth Utilization Fell Nearly Four Percent Nationally in June 2022. (2022). FAIR Health. Retrieved from https://www.prnewswire.com/news-releases/telehealth-utilization-fell-nearly-four-percent-nationally-in-june-2022-301621770.html

Ward, K., Vagholkar, S., Lane, J., Raghuraman, S., & Lau, A. Y. (2023). Are chronic condition management visits translatable to telehealth? Analysis of in-person consultations in primary care. International Journal of Medical Informatics; 178, 105197. doi.org/10.1016/j.ijmedinf.2023.105197

Telehealth vs. In-Person Visits: Pros and Cons

Telehealth vs. In-Person Visits: Pros and Cons

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

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

An Analysis of Private Payer Telehealth Coverage. (2021). Center for Connected Health Policy. Retrieved from https://www.cchpca.org/2021/04/Private-Payer-Telehealth-Coverage-Reportfinal.pdf

Bestsennyy, O., Gilbert, G., Harris, A. & Rost, J. (2021). McKinsey & Company. Retrieved from https://www.mckinsey.com/industries/healthcare/our-insights/telehealth-a-quarter-trillion-dollar-post-covid-19-reality

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

Cordina, J., Levin, E., Stein, G.  (2022). Consumer Health Insights: How respondents are adapting to the “new normal.” McKinsey & Company. Retrieved from https://www.mckinsey.com/industries/healthcare/our-insights/covid-19-consumer-healthcare-insights-what-2021-may-hold

Cost-Sharing Charges. (2023). Center on Budget and Policy Priorities. Retrieved from https://www.healthreformbeyondthebasics.org/cost-sharing-charges-in-marketplace-health-insurance-plans-answers-to-frequently-asked-questions/

Cuellar, A., Pomeroy, J. M. L., Burla, S., Jena, A. B. (2022). Outpatient Care Among Users and Nonusers of Direct-to-Patient Telehealth: Observational Study. Journal of Medical Internet Research;24(6):e37574. doi:10.2196/37574 

Five key features telehealth patients want: Insights for healthcare developers. (2023). Wolters Kluwer. Retrieved from https://www.wolterskluwer.com/en/expert-insights/5-key-features-telehealth-patients-want-healthcare-developers-insights

Hasselfeld, B. W. (n.d.). Benefits of Telemedicine. Johns Hopkins Medicine. Retrieved from https://www.hopkinsmedicine.org/health/treatment-tests-and-therapies/benefits-of-telemedicine

How to Check Telehealth Insurance Coverage. (n.d.). Upvio. Retrieved from https://upvio.com/blog/telehealth/how-to-check-telehealth-insurance-coverage

Lee, E. C., Grigorescu, V. Enogieru, I., Smith, S. R. Samson, L. W., Conmy, A. B., & De Lew, N. (2023). Updated National Survey Trends in Telehealth Utilization and Modality (2021-2022). Assistant Secretary for Planning and Evaluation (ASPE). Retrieved from  https://aspe.hhs.gov/sites/default/files/documents/7d6b4989431f4c70144f209622975116/household-pulse-survey-telehealth-covid-ib.pdf

Private insurance coverage for telehealth. (2023). Health Resources & Services Administration (HRSA). Retrieved from https://telehealth.hhs.gov/providers/billing-and-reimbursement/private-insurance-coverage-for-telehealth 

Rakshit, S., Rae, M., Claxton, G., Amin, K., & Cox, C. (2023). Private Insurer Payments for Telehealth and In-Person Claims During the Pandemic. Kaiser Family Foundation. Retrieved from  https://www.kff.org/mental-health/issue-brief/early-in-the-pandemic-private-insurers-paid-similarly-for-common-telehealth-and-in-person-claims/

Schwamm L.H., Chumbler N., Brown E., et al. (2017). Recommendations for the implementation of telehealth in cardiovascular and stroke care: a policy statement from the American Heart Association. Circulation;135(7):e24–e44. doi: 10.1161/CIR.0000000000000475

Stay Informed on COVID-19. (2020). Health Care Service Corporation. Retrieved from  https://www.hcsc.com/newsroom/category/company-news/covid-19-information/