Telemedicine is becoming a popular way to seek non-emergency medical care, as you can do this from the comfort of your own home. While your insurance plan DOES NOT directly cover the costs of these visits and they cannot be billed directly to your insurance plan, you can pay for these services out of your own pocket and then submit a claim to be reimbursed for the consultation and any prescribed medications.
A few options you can try are:
Please Note - The cost of telemedicine visits are only covered under your plan as long as the treatment is for a covered benefit, and not excluded by any of the plan exclusions and limitations.
If your condition is severe or you need in-person medical attention, you can find doctors online that are part of your insurance plan.
Make sure you have a copy of your insurance ID card on you when you visit the doctor and present this to them at the time of treatment. If you don’t have your ID card with you at the time of treatment, you may be required to pay for your medical expenses up front.
If you need a copy of your insurance ID card, visit MyDocuments to download it.
If your plan includes a prescription network, you will just need to show your insurance ID card to the pharmacy and pay the prescription co-pay.
If your plan does not include a prescription network, you will need to pay for your medication in full at the pharmacy. You can then submit the prescription Rx label and your pharmacy receipt to the claims team (along with a claim form) to be reimbursed for your eligible expenses.
In certain areas of the USA there are discounted, or free medication drug programs available which you can utilize to lower your costs — they include:
It is your responsibility to follow up with the claims team and make sure your claims are processed and paid!
Please follow these guidelines: