Telehealth has revolutionized the way healthcare is delivered, making it more accessible and convenient for patients—especially older adults. For Medicare beneficiaries, telehealth services offer a chance to consult healthcare providers from the comfort of home, reducing the need for in-person visits and accommodating mobility or transportation challenges. This guide explores how telehealth works, its benefits under Medicare, and what you need to know to get started.
What Is Telehealth and How Is It Used in Healthcare Today?
Telehealth refers to the use of telecommunications technology to deliver healthcare services remotely. This can include video calls, phone consultations, remote patient monitoring, and even apps for managing chronic conditions. While telehealth gained traction in recent years, especially during the COVID-19 pandemic, it has long been recognized as an innovative way to enhance access to medical care.
For seniors, telehealth makes healthcare more convenient and flexible, significantly improving access for individuals with limited mobility or chronic illnesses. Common uses of telehealth include follow-up visits, mental health counseling, and even certain preventative screenings—all without the need to travel to a doctor’s office.
Telehealth Benefits Available Through Medicare Part B and Medicare Advantage
Medicare recognizes the value telehealth brings, and several services are covered under Medicare telemedicine benefits.
- Medicare Part B Telehealth Coverage
If you’re enrolled in Medicare Part B, telehealth services are covered for a range of needs, such as virtual consultations with doctors, licensed therapists, or nurse practitioners. These services are typically billed the same as an in-person appointment, provided you’ve met the Medicare Part B deductible, and you’re responsible for a 20% coinsurance thereafter.
- Medicare Advantage Plans
Many Medicare Advantage plans go above and beyond Original Medicare by including additional telehealth benefits. These can include access to virtual urgent care, expanded mental health services, or telehealth for specialists that might not typically be covered under Part B. Be sure to check with your plan provider for specific details.
How to Access Virtual Visits With Your Provider
Accessing telehealth with Medicare is straightforward. Here are a few steps to get started:
- Contact Your Provider
Check with your doctor or healthcare provider to see if they offer telehealth services. Many healthcare practices now have dedicated systems for virtual appointments.
- Use Appropriate Technology
You’ll typically need a device with internet access, such as a smartphone, tablet, or computer with a webcam. Your provider will guide you on any apps or platforms required for telehealth appointments.
- Schedule Your Appointment
Once set up, you can often book virtual visits much like you would schedule a traditional appointment—just over the phone or online.
- Confirm Medicare Coverage
Before the visit, make sure the telehealth service is covered under your Medicare plan to avoid unexpected costs.
Common Telehealth Services Covered by Medicare
- Primary Care Visits
Routine consultations to discuss general health concerns or follow-up care can often be handled through telehealth.
- Specialist Consultations
Get expert advice from specialists without the need to travel to another city or state when it’s not immediately necessary to visit in person.
- Mental Health Services
Medicare telehealth services include virtual counseling and therapy, making mental health care more accessible for seniors who may prefer the privacy of a remote session.
- Chronic Condition Management
For seniors managing chronic conditions like diabetes or hypertension, telehealth plays a critical role. Providers can monitor vitals and adjust treatment plans through virtual consultations.
- Preventative Screenings
Some Medicare-covered telehealth services include discussions or screenings for preventative care, helping to catch potential issues early.
Considerations for Privacy, Technology, and Getting Started With Virtual Care
While telehealth is convenient, it’s important to address certain considerations before using these services.
- Privacy and Security
Ensure you are using a secure connection and an authorized telehealth platform. Reputable providers comply with HIPAA regulations to keep your medical information safe.
- Tech Know-How
Telehealth may require a basic understanding of technology, though most platforms are user-friendly. Don’t hesitate to ask your provider for a brief tutorial or assistance when navigating the system.
- Assessing Your Needs
Not all healthcare services are suitable for telehealth. In certain cases, physical exams or diagnostic tests may require an in-person visit to a healthcare facility. Work with your provider to determine the best course of action.
Need Help Making Sense of Medicare Advantage? Mint Insurance Agency Is Here to Help
We are an insurance agency dedicated to becoming a lifetime partner for your Medicare and health coverage needs. If you need assistance or want to learn more about the alternatives available to you, contact our licensed agents today or call 1.888.225.MINT (6468). Our team is ready to answer all your questions and help you make the right decision for your circumstances.
