Learn About Telemedicine and Virtual Healthcare Options

Understanding Telemedicine: What It Is and How It Works

Telemedicine is the use of technology to receive healthcare services from a distance. Instead of traveling to a doctor's office or hospital, patients can have appointments with healthcare providers using a computer, tablet, or smartphone. The provider can see, hear, and speak with the patient in real time through video conferencing. Some telemedicine visits may also happen through phone calls or secure messaging, depending on what the patient needs and what their healthcare provider offers.

Free Guide to Health Insurance Tax Deductions →

The term "telemedicine" covers several different types of healthcare delivery. Video visits are the most common form, where a patient and doctor have a face-to-face conversation through a screen. Phone consultations allow patients to talk with a provider without video. Store-and-forward technology lets patients send photos, videos, or medical records to a provider, who reviews them later and responds with guidance. Remote monitoring uses devices that track a patient's health data, like blood pressure or blood sugar, and sends that information to a healthcare provider for review.

According to the American Medical Association, telemedicine visits increased dramatically in recent years. During the COVID-19 pandemic, telehealth visits went from about 1% of all medical visits in early 2020 to nearly 46% by mid-2020. Even as in-person care became available again, telemedicine has remained a regular option. Many patients now use both in-person and virtual visits depending on their needs.

The technology behind telemedicine is straightforward. Patients typically use secure platforms or apps provided by their healthcare provider or clinic. These platforms use encryption to protect patient information, similar to online banking. Healthcare providers use the same platforms on their end. Both parties need a stable internet connection and a device with a camera and microphone, though phone-only options exist for patients without video capability.

Practical takeaway: Telemedicine is a real healthcare option that works through video, phone, or messaging. It is not a replacement for all types of care, but it can handle many common medical situations. Understanding how it works is the first step in deciding whether it might be useful for your healthcare needs.

Types of Conditions Telemedicine Can Address

Telemedicine works well for many common health situations. Conditions that are particularly suitable for virtual visits include minor infections, skin problems, allergies, cold and flu symptoms, headaches, urinary tract infections, and heartburn. A provider can often diagnose these issues through conversation and by looking at the patient on video. If a patient describes a rash, for example, they can show the affected area on camera, and the provider can often identify it and recommend treatment.

Learn About OTC Cards and Nutrition Choices →

Mental health services have become one of the most common uses of telemedicine. Therapy, counseling, and psychiatric visits work well through video. A patient can sit in their own home and talk with a therapist or psychiatrist about their concerns. According to the American Psychological Association, telehealth mental health visits increased significantly and have continued at high levels. Many insurance plans now cover virtual mental health appointments at the same rate as in-person visits.

Chronic disease management is another area where telemedicine shines. Patients with conditions like diabetes, high blood pressure, asthma, or heart disease can have regular check-ins with their providers without traveling to an office. During these visits, the provider can review the patient's symptoms, recent test results, and medication side effects. The patient can ask questions about managing their condition at home. Some telemedicine programs include remote monitoring devices that allow the provider to see the patient's blood sugar, blood pressure, or heart rhythm readings between visits.

Follow-up appointments after surgery or hospitalization are often handled through telemedicine. After a procedure, a patient might not need a full in-person visit to check on healing. A quick video call with the surgeon can answer questions and confirm that recovery is on track. If there are concerns, the provider can schedule an in-person appointment.

Some limitations exist. Telemedicine cannot handle physical exams that require hands-on evaluation, such as deep abdominal palpation, certain orthopedic tests, or procedures like biopsies. Emergency situations require in-person or emergency room care. Patients who cannot use video technology or who lack internet access may have fewer options, though phone-based visits can sometimes work.

Practical takeaway: Telemedicine can treat many common conditions, especially minor illnesses, mental health needs, and chronic disease follow-ups. Knowing which types of issues work well for virtual visits helps you decide when telemedicine might be a reasonable option versus when in-person care is necessary.

Types of Virtual Healthcare Providers and Platforms

Virtual healthcare is provided through many different types of providers and platforms. Traditional healthcare systems like hospitals and large medical groups now offer telemedicine through their own apps or websites. If you have a regular doctor at a healthcare system, that doctor may offer video appointments. You simply log into the system's patient portal and request a virtual visit. These appointments are often covered by the same insurance that covers your in-person visits with that doctor.

Learn About Ginger and Turmeric Health Information →

Specialized telemedicine companies have also grown significantly. Companies like Teladoc, Amwell, and MDLive connect patients with healthcare providers specifically for virtual visits. These services often allow you to see a provider the same day or next day. Some operate 24 hours a day, 7 days a week. You can usually choose whether to pay per visit, use your insurance, or pay a subscription fee. These platforms are useful if you don't have a regular doctor or if you need quick access to care outside your doctor's regular hours.

Urgent care and retail clinics have added telemedicine options. Companies like CVS MinuteClinic and Walgreens offer virtual visits for minor health concerns. These are often quick appointments, sometimes lasting just 15 to 20 minutes. They handle issues like cold symptoms, minor skin conditions, and minor infections. Many also offer prescription services, so you can get a prescription filled at the same pharmacy location.

Mental health-specific platforms like BetterHelp, Talkspace, and Ginger specialize in therapy and counseling services. These platforms connect patients with licensed therapists, psychologists, or counselors. Some offer text-based therapy, video sessions, or both. Many have insurance options, but some operate on a direct-pay model where you pay a weekly or monthly subscription fee.

Workplace and employee benefit programs often include telemedicine. Many employers offer telemedicine as part of their health benefits package. Employees can use the service with no additional cost beyond their regular health insurance. Universities, school districts, and large organizations frequently include these services.

Direct primary care practices represent a newer model. These are small medical practices where patients pay a monthly fee, usually between $40 and $150, to have a primary care doctor available for unlimited visits, often including virtual visits. These practices typically do not bill insurance for routine care, though patients still have their own health insurance for specialists and emergencies.

Practical takeaway: Virtual healthcare comes from many sources: your existing doctor's office, specialized telemedicine companies, retail clinics, mental health platforms, and workplace programs. Knowing what options exist in your area and through your insurance helps you find the right provider for your situation.

Insurance Coverage and Costs of Telemedicine Services

Insurance coverage for telemedicine has expanded significantly. As of recent years, most major insurance plans cover virtual visits at some level. Medicare covers telemedicine for many services, though coverage rules can be complex. Medicaid coverage varies by state. Private insurance companies generally cover telemedicine visits similar to how they cover in-person visits, meaning you pay your regular copay or coinsurance amount.

Learn About Medicare Home Health Care Coverage →

Out-of-pocket costs for telemedicine vary widely. If you use a provider within your insurance network through your existing healthcare system, you typically pay the same copay you would for an in-person visit—often $20 to $50. If you use a specialized telemedicine platform that is not part of your insurance network, you might pay anywhere from $40 to $200 per visit, depending on the service and the type of provider. Subscription-based telemedicine services, where you pay monthly for unlimited visits, typically cost between $40 and $100 per month.

Mental health services have specific coverage considerations. Many insurance plans now cover therapy and counseling visits through telemedicine the same as in-person sessions. However, some plans may have different requirements for virtual mental health care. It is worth checking with your insurance plan about specific copays or coinsurance amounts for virtual therapy.

Uninsured patients have several options