Telehealth services expanded dramatically during the COVID-19 pandemic. How are telehealth visits typically covered under most health insurance plans today?

Telehealth coverage expanded dramatically during the pandemic through temporary regulatory waivers, and most private health insurers have retained telehealth benefits as a permanent offering. Coverage and cost-sharing vary by plan, but the majority of employer-sponsored and marketplace plans now cover telehealth visits, often at the same co-pay as an in-person visit or at a reduced rate. Mental health telehealth in particular has seen strong adoption, with platforms like Teladoc and MDLive becoming widely covered network providers. Medicare also permanently expanded certain telehealth flexibilities through legislation passed in 2022.