Have you ever wished you could seek basic medical care from the comfort of your own home?
If so, the telemedicine/telehealth (used interchangeably) services added to the State Group Health Insurance Program effective January 1, 2019 may allow you to do so.
What is telemedicine/telehealth?
The remote diagnosis and treatment of patients by means of electronic communication. This means that for non-emergent medical care, you may be able to access care through video chat or a virtual house call. Through telemedicine, a doctor may be able to recommend treatment, prescribe medication, refer you to a specialist or tell you, based on your symptoms, if you should see a doctor in-person. Note: These services vary among the carriers in the State Group Health Insurance Program.
Why should you consider telemedicine services?
With telemedicine services, you may receive care quicker and it may be more convenient than going to your doctor’s office or to urgent care. They are also typically less expensive than an office visit or urgent care visit.
How will your telemedicine/telehealth service be covered by your State Group Health Insurance?
How the service is covered will depend on which plan design you are enrolled in.
- Health Plan: If you are enrolled in this plan, telemedicine services are covered at 100%.
- High Deductible Health Plan (HDHP): If you are enrolled in the HDHP, you will need to meet your deductible first, then these services will be covered at 100%. This is necessary in order to comply with Health Savings Account (HSA) eligibility requirements as well as the coverage mandates under the Affordable Care Act (ACA).
How can you obtain additional information regarding telemedicine services?
Generally, health plans offer telemedicine services through their online portals. If you’re unable to find telemedicine information through your health insurance plans online portal, contact your health insurance plan directly by calling the toll-free number on your health plan ID card.
Source: UW System Human Resources