The COVID-19 pandemic is forcing us to explore ground-breaking ways of accessing healthcare. Before the worldwide crisis, doctor’s visits involved going to the hospital or clinic, seeing your care provider in person, and confirming that your insurance and Medicare plans in Seattle cover your treatment.
Today, stringent social distancing measures have swept the globe. Hospitals are prioritizing COVID-19 patients. You can put yourself and your loved ones at considerable risk from the virus just by going to medical facilities.
So how do you get the treatment you need without leaving the safety of your home? The answer is telehealth, an innovative way to access healthcare during these difficult times.
What is telehealth?
Telehealth, also known as telemedicine, is the practice of using technology to access or deliver care from a distance. A physician uses telecommunications infrastructure, such as mobile apps, video visits, and other means of communication, to provide care at a patient’s location without going there or meeting in person.
Telemedicine is especially useful in the fight against COVID-19. If you suspect that you or a loved one has been infected with the virus, you can use telehealth to consult your doctor. If your situation doesn’t warrant a hospital visit, they can closely monitor your condition using technology.
It’s convenient, efficient, and minimizes exposure to the virus between you and the people around you. It also lowers your risk of contracting other diseases that may be present in crowded hospital settings.
Insurance and Telehealth: Is it covered?
We already know that telehealth can be tremendously helpful not just during a worldwide pandemic, but in cases where you need treatment but cannot go into a medical facility.
- Your Medicare and Telehealth
Much like conventional healthcare, many people worry that their insurance may not cover telemedicine. We have good news for you.
Medicare Part B (medical insurance) covers some telemedicine services. It works much like in-person visits— you pay 20% of the Medicare-approved amount for the healthcare service, and the Part B deductible is also applicable. The fees for most telemedicine services are at par with what you pay if you get the service in person.
While Medicare does cover telehealth, it does so under specific situations. Our Medicare specialists here at Guyer Benefits can help you navigate the complexities of Medicare supplement or advantage plans in Seattle that cover telehealth.
- Your Insurance and Telehealth
Some insurance plans cover telehealth; however, deductibles and other costs still apply. Also, not all insurance providers provide telemedicine coverage, so you need due diligence to determine if an insurance plan is right for you.
Take Advantage of Telemedicine with Guyers Benefits
Our whole team here at Guyer Benefits is with you during these trying times and beyond. We can help you make smart insurance decisions that meet the need of you and your loved ones, all within your budget. Whether you’re interested in telehealth coverage, life insurance, or disability insurance in Seattle, WA, and more, Guyer Benefits always has your best interests in mind.
You deserve the peace of mind that comes from knowing that your healthcare needs are secure no matter what happens. Call your insurance specialists at Guyer Benefits today at 206-419-6611. Let’s discuss the best way to protect you and your family and create a more secure future.