Does job-based or Marketplace insurance cover telehealth visit?

Yes, most plans cover telehealth, often at the same or lower cost than an office visit. Many plans include a virtual-care vendor with low or $0 copays. High-deductible plans may apply the deductible before covering telehealth. Cost: Often $0–$50; same as an office visit if billed by your regular doctor.

Does Original Medicare cover telehealth visit?

Yes, Medicare covers telehealth from home through at least 2027. Congress extended Medicare’s telehealth flexibilities through December 31, 2027: visits from home, in any part of the country, including audio-only visits when video isn’t possible. Mental and behavioral health telehealth from home is permanent. Cost: Generally 20% of the Medicare-approved amount after the Part B deductible.

Does Medicare Advantage cover telehealth visit?

Yes, Medicare covers telehealth from home through at least 2027. Congress extended Medicare’s telehealth flexibilities through December 31, 2027: visits from home, in any part of the country, including audio-only visits when video isn’t possible. Mental and behavioral health telehealth from home is permanent. Medicare Advantage plans must cover this too, but set their own copays and often require in-network providers and prior authorization. Cost: Your plan’s copay or coinsurance: check the Evidence of Coverage.

Does Medicaid cover telehealth visit?

Usually covered: states set telehealth rules. All states cover some telehealth; coverage of audio-only visits varies.

Is telehealth visit covered by insurance?

Video or phone visits with a clinician or therapist. Here’s how each kind of plan usually handles it.

Ask a specific question Plan a visit: cost and doctors Check it against my plan

Employer or MarketplaceUsually covered
Yes, most plans cover telehealth, often at the same or lower cost than an office visit.
More details
Many plans include a virtual-care vendor with low or $0 copays. High- plans may apply the deductible before covering telehealth.
Cost: Often $0–$50; same as an office visit if billed by your regular doctor.
Original MedicareUsually covered
Yes, Medicare covers telehealth from home through at least 2027.
More details
Congress extended Medicare’s telehealth flexibilities through December 31, 2027: visits from home, in any part of the country, including audio-only visits when video isn’t possible. Mental and behavioral health telehealth from home is permanent.
Cost: Generally 20% of the Medicare-approved amount after the Part B deductible.
Medicare AdvantageUsually covered
Yes, Medicare covers telehealth from home through at least 2027.
More details
Congress extended Medicare’s telehealth flexibilities through December 31, 2027: visits from home, in any part of the country, including audio-only visits when video isn’t possible. Mental and behavioral health telehealth from home is permanent. plans must cover this too, but set their own copays and often require providers and prior authorization.
Cost: Your plan’s copay or coinsurance: check the Evidence of Coverage.
MedicaidUsually covered
Usually covered: states set telehealth rules.
More details
All states cover some telehealth; coverage of audio-only visits varies.

Plan type	How it’s usually covered
Employer or MarketplaceUsually covered	Yes, most plans cover telehealth, often at the same or lower cost than an office visit. Many plans include a virtual-care vendor with low or $0 copays. High- plans may apply the deductible before covering telehealth. Cost: Often $0–$50; same as an office visit if billed by your regular doctor.
Original MedicareUsually covered	Yes, Medicare covers telehealth from home through at least 2027. Congress extended Medicare’s telehealth flexibilities through December 31, 2027: visits from home, in any part of the country, including audio-only visits when video isn’t possible. Mental and behavioral health telehealth from home is permanent. Cost: Generally 20% of the Medicare-approved amount after the Part B deductible.
Medicare AdvantageUsually covered	Yes, Medicare covers telehealth from home through at least 2027. Congress extended Medicare’s telehealth flexibilities through December 31, 2027: visits from home, in any part of the country, including audio-only visits when video isn’t possible. Mental and behavioral health telehealth from home is permanent. plans must cover this too, but set their own copays and often require providers and prior authorization. Cost: Your plan’s copay or coinsurance: check the Evidence of Coverage.
MedicaidUsually covered	Usually covered: states set telehealth rules. All states cover some telehealth; coverage of audio-only visits varies.

What usually has to be true

The clinician must be licensed in the state where you are located.
Your plan may require its designated telehealth vendor for the lowest cost.

Good to know

Telehealth is often the cheapest way to get a prescription refill or quick evaluation.

Primary care visit · Office visits with a family doctor, internist, pediatrician, NP, or PA.
Therapy & counseling · Outpatient psychotherapy with a psychologist, LCSW, LPC, or MFT.

Sources

Typical rules for 2026 plans, checked against these sources on October 20, 2026. Your plan’s own documents decide.

1
What Marketplace plans cover
HealthCare.gov
Marketplace plans cover outpatient care, hospitalization, mental health care, prescription drugs, rehabilitation, laboratory services, preventive services, and other essential benefit categories.
2
Telehealth policy updates
HHS (telehealth.hhs.gov)
The Consolidated Appropriations Act, 2026 extended Medicare telehealth flexibilities, including visits from home and audio-only care, through December 31, 2027.
3
Telehealth
Medicare.gov
Medicare covers certain telehealth services; behavioral and mental health telehealth from home is permanently covered, while flexibilities for other services have changed several times.
4
Compare Original Medicare and Medicare Advantage
Medicare.gov
Medicare Advantage plans cover everything Original Medicare covers (except hospice, which Original Medicare continues to pay), usually use provider networks, often require referrals or prior authorization, and may offer extra benefits such as dental, vision, and hearing.
5
Mandatory and optional Medicaid benefits
Medicaid.gov
States must cover mandatory benefits such as inpatient and outpatient hospital care, physician services, laboratory and X-ray services, home health, and nursing facility care; many other benefits, including adult dental, vision, and prescription drugs coverage details, are state options.

General information about how coverage usually works, not a decision about your plan. Your plan documents and insurer have the final word.

Is telehealth visit covered by insurance?

What usually has to be true

Good to know

Related

Sources