Technology Is Reshaping How We Get Health Care
The internet has impacted nearly every aspect of our everyday lives, from changing how we watch our favorite shows to making it easier to maintain contact with family and friends living far away. Now, it is even affecting how we meet with our health care providers and get treatment for illnesses, infections and other mild to moderate health concerns and conditions.
What Is Telemedicine?
Telemedicine is the way that patients communicate with health care providers using technology instead of face-to-face office visits. This method of health care is not new; phone-a-nurse lines have been around for decades, and specialists often confer with primary care doctors to offer advice and guidance on treating or managing conditions. However, the increased use of smartphones and video conferencing has led to more health care providers using technology to provide convenient, affordable care.
Does Telemedicine Work?
Obviously, meeting with a doctor over a webcam does not replace every office visit. If you are experiencing symptoms of heart attack, stroke, significant and uncontrolled bleeding, or a suspected broken bone, you need to get to a hospital.
However, telemedicine is a great option for follow-up care. For example, if you have started on a new medication and your doctor wants to find out how it is working for you or what side affects you are experiencing. Saving the trip to the office, and simply discussing it on a phone call or video conference is appropriate. Telemedicine is a good option for getting fast advice when you have symptoms of a virus or infection, or if you have a skin condition such as a mole or rash. It is also increasingly used by mental health professionals for talk therapy.
Why Use Telemedicine?
In some cases, there’s no substitute for an in-person visit with your doctor. However, telemedicine can be used to treat a range of medical conditions and has benefits that make it an option worth considering next time you need to see your doctor.
Telemedicine Is Convenient
Telemedicine puts healthcare within reach of those who would otherwise have a difficult time visiting a doctor. If you have a severe sinus infection, the last thing you want to do is spend the afternoon in the doctor’s office. Visits with your doctor can happen right in the comfort and privacy of your home, eliminating the need to take time off work and figure out childcare arrangements.
Telemedicine Can Keep You Healthy
Doctor’s offices are germy places that can be especially dangerous for those who have underlying conditions or weakened immune systems, and during the winter flu season, skipping the in-person visit means that you won’t share close quarters with people who may be sick. On the flip side, if you’re the one who’s sick, visiting with your doctor remotely helps limit the possible spread.
continued below ⇓
Recent Posts
What is Tier Pricing With Prescription Medications?
Your health insurance company’s formulary is a list of all the different drugs that their plans cover. Within the formulary, there are drug tiers. These tiers determine the level of coverage your prescription drug plan offers for a specific type of medication.
Health Insurance with a Preexisting Condition
You may assume that since you have a preexisting condition, you’ll pay a higher premium than someone who is in perfect health. However, an insurer cannot reject you, refuse to pay for health benefits pertaining to your illness or injury, or charge you a higher premium because of your condition.
Is Physical Therapy Covered Under Health Insurance?
Whether you have recently been injured or you are experiencing chronic pain or limited mobility, going to a physical therapist can greatly improve your quality of life. For many people, concerns about how much regular sessions cost is a big roadblock to getting much needed care. Fortunately, if you have an ACA-compliant health insurance plan, rehabilitative services like physical therapy are listed among the essential health benefits.
Health Insurance Quotes
2). Online Quote
3). In Person
4260 W. Craig Road #150-A
N. Las Vegas, NV 89032
How Much Does Telemedicine Cost?
Along with its convenience, among the biggest benefits of telemedicine is its affordability. When chosen as an alternative for going to an urgent care clinic or hospital emergency room, telemedicine is considerably more economical. Just as the exact laws regarding what telemedicine services that health insurance companies must cover vary from state to state, out-of-pocket costs also vary. In some states, patients have the same co-pay for a video or over-the-phone visit that they do for an in-person office visit. Other companies charge a $0 co-pay and others a small, perhaps $10 co-pay.
You will need to call the customer service number on the back of your insurance card to find out how much this visit is for you. Or you can log in to your “Member Portal” online where you can view your plan details. Even in states that don’t require that health insurance companies charge the same co-pays for telemedicine, many health insurance companies make sure that telemedicine services are affordable. Ultimately, telemedicine makes healthcare more accessible, leading to better care and healthier patients.
continued below ⇓
Search This Website
Most Popular Pages
By page visits (this month)
#1) Health Insurance Subsidy Chart
#2) Health Insurance
#3) Health Insurance WITH a Subsidy
#4) Insurance Blog
#5) Request a Quote
How To Know If Your Health Insurance Covers Telemedicine
Telemedicine, or remote medical care through video chat, email, or phone calls, offer a lot of benefits for patients. It makes it easy for those who would otherwise have a hard time getting to their doctor to get the care that they need. Currently, 37 states, including Nevada, have parity laws that require private health insurance companies to cover telemedicine.
While parity laws vary by state, they generally say that private health insurance companies can’t take the insured’s location into account when determining whether a remote visit with a health provider is covered. In other words, even if you’re video conferencing with your doctor from your workplace, your health insurance company must cover it.
Although most states require that major health insurance plans cover telemedicine, some types of plans are exempt from this requirement. If you have a worker’s compensation plan or a small group plan, you may not have this coverage.
Finding Coverage with Nevada Insurance Enrollment
Telemedicine is a convenient option for those who can’t get to their doctor’s office or prefer to stay at home. A Nevada Insurance Enrollment health insurance agent can help you figure out the details of your health plan and the costs involved in using telemedicine visits.
What is a Major Medical Health Insurance Plan?Related Articles:
♦ What is a Major Medical Health Insurance Plan?
♦ Medical Loss Ratio
♦ Short Term Health Insurance for Nevadans
♦ What Are Association Health Insurance Plans?
Read More: Individual & Family Health Insurance
Top 5 Most Popular
By page visits (this month)
#1) Health Insurance Subsidy Chart
#2) Health Insurance
#3) Health Insurance WITH a Subsidy
#4) Insurance Blog Posts
#5) Request a Quote
Recent Posts
Health Insurance For Snowbirds
Finding a health insurance plan that covers your preferred healthcare providers and necessary medications can be a challenge, especially if you split your time between two states or travel frequently.
Health Insurance Requirements For Small Businesses
On the employer’s end, providing health insurance can be costly and complicated. However, it can also be a reliable way to bring in new hires, improve productivity and boost morale and job satisfaction. Small businesses that want to provide this benefit have options that let them do so affordably.
Surrogacy Laws in Nevada
Generally speaking, the intended parents are responsible for covering pregnancy-related expenses, including complications that may arise over the course of the pregnancy and delivery. The standard way to control health care costs is to purchase health insurance for the woman acting as the gestational surrogate.
Catastrophic Health Insurance Explained
Like major medical health insurance plans, catastrophic health insurance covers the 10 essential health benefits outlined in the Affordable Care Act. However, if you have this type of plan, your out-of-pocket costs for services are considerably higher than with regular health insurance.