The Telehealth and Temedicine Reimbursement Map and resources.
1) Commercial Payers
29 states and the District of Columbia have parity laws that mandate commercial payers provide coverage and reimbursement for telemedicine services as in-person services. Many other insurers cover at least some telehealth service. Insurers are starting to recognize the benefits of reimbursement for telehealth, in some cases going beyond the parity law in their state. For example, IBC recently announced it would allow for telehealth visits in Pennsylvania, a state where no parity law exists. Some parity legislation recognizes the importance of exam tools that can replicate in person visits, such as Virginia, which mandates exam replication in order to prescribe remotely.
Approximately 49 million Americans are enrolled in Medicare. Many telehealth services such as remote radiology, pathology and some cardiology are covered simply as physician services. For traditional fee-for-service benefits are based on “originating site” restrictions and apply only to those living in rural areas. In these cases, Medicare covers physician services as long as they use videoconferencing. To check eligibility based on location visit http://datawarehouse.hrsa.gov/telehealthadvisor/telehealtheligibility.aspx. Distant Site Practitioners may also receive payment for covered telehealth services (subject to state law) if they are physicians, nurses, PAs, nurse midwives, clinical nurse specialists, certified registered nurse anesthetists, dietitians or nutrition professionals, and clinical psychologists and social workers (with some restrictions).
Although Medicare fee-for-service beneficiaries is limited primarily due to originating site restrictions, there are approximately 14 million Medicare Advantage (managed care) enrollees who have complete flexibility in using telehealth as long as their provider offers the service. Many commercial plans have added telemedicine as a supplemental benefit, realizing the clear value and benefit that exist for the Medicare population, showing a trend in the right direction for the telehealth market.
Medicaid is America’s largest medical and health-related funding source for the poor. Though the program is jointly funded by federal and state governments, the federal government allows each state to set many features for their programs. States may reimburse for telehealth under Medicaid so long as the service satisfies federal requirements of efficiency, economy and quality of care. Extensive control is given to states to decide how to structure and administer their Medicaid telehealth policy. Unfortunately, no two states are alike in how telehealth is actually defined and regulated. These differences create a confusing environment for those using telehealth, particularly health care systems that provide care in multiple states.
To learn more about Medicaid’s telemedicine policies, visit https://www.medicaid.gov/medicaid-chip-program-information/by-topics/delivery-systems/telemedicine.html. You can also visit the National Telehealth Policy Resource Center http://cchpca.org/state-laws-and-reimbursement-policies to search for Medicaid coverage in your state.