Telehealth Insurance Coverage: What's Covered and What to Expect

Yes — most major insurance plans cover telehealth visits. When you book a video appointment with one of our licensed doctors, you can use your insurance or pay out of pocket, whichever works best for you.

We accept most major U.S. insurance providers, and we’re adding more all the time.

Currently accepted providers include:

• Aetna

• Anthem

• Blue Cross Blue Shield

• Cigna

• United Healthcare

And, we're adding more every day.

How Telehealth Insurance Billing Works

1. Start an AI consult to share your symptoms and health concerns.

2. Receive a AI Clinical Summary with potential treatment plans.

3. Select to schedule a doctor's appointment after the AI consult.

4. Choose insurance or self-pay for your visit.

5. Select your preferred appointment time or an ASAP visit (most visits occur in less than 30 minutes).

6. Your AI consultation is securely sent to the doctor for review.

7. You'll receive a text message with a secure link to join your video visit with the doctor.

That's it!

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Telehealth Copays and Out-of-Pocket Costs

One of the most common questions we hear is: how much does telehealth cost with insurance? The answer depends on your plan, but here's what most patients can expect.

With insurance, a telehealth visit is typically billed the same as an in-person primary care visit. That means your standard primary care copay usually applies — often between $10 and $50 depending on your plan. Some plans have a separate, lower telehealth copay as an incentive to use virtual care. Once you've met your deductible, your insurer may cover 80–100% of the visit cost.

Without insurance (self-pay), telehealth visits are generally much more affordable than in-person urgent care. Many platforms, including Doctronic, offer transparent flat-rate pricing so you always know what you'll pay before you book.

Here's a quick breakdown by insurer for telehealth coverage as of 2025:

• Aetna — Covers telehealth for most medical, behavioral health, and urgent care visits. Copay is typically the same as your in-network primary care copay.

• Anthem / Blue Cross Blue Shield — Covers telehealth broadly under most commercial and Medicare Advantage plans. Copays vary by state and plan tier.

• Cigna — Covers telehealth for medical and mental health visits. Cigna's virtual care benefit often includes $0 copay options through select platforms.

• United Healthcare — Covers telehealth under most employer and individual plans. UHC's Virtual Visits program has a defined copay schedule available in your member portal.

• Medicare — Since the COVID-19 pandemic, Medicare significantly expanded telehealth coverage. Most Medicare Part B beneficiaries can access telehealth for a wide range of services at the same cost-sharing as in-person visits.

• Medicaid — Telehealth coverage under Medicaid varies by state, but all 50 states now reimburse for some form of telehealth services.

Not sure what your plan covers? The fastest way to find out is to call the member services number on the back of your insurance card and ask specifically about telehealth or "virtual visit" benefits. You can also check your insurer's online member portal, which typically lists covered services and current copay amounts.

If your plan doesn't cover telehealth or you're uninsured, our self-pay rates are straightforward — no surprise bills, no facility fees. Many patients find telehealth costs less out of pocket than a traditional urgent care visit even without insurance.

The Bottom Line

This telehealth platform combines insurance flexibility with rapid access, offering both scheduled and immediate video consultations typically within 30 minutes. The AI-assisted intake process ensures doctors have detailed symptom information before your appointment starts, maximizing consultation efficiency. If you're experiencing symptoms and need quick medical guidance with flexible payment options, Doctronic can connect you with licensed physicians through this streamlined telehealth service.