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Blue Cross Blue Shield (BCBS) telehealth care options are designed to provide convenient and accessible healthcare services to its members. BCBS telehealth services can be accessed through a variety of platforms, including mobile apps, online portals, and phone calls.
BCBS members can use the BCBS telehealth platform to schedule appointments with in-network healthcare providers. These appointments can be conducted via video conferencing, phone calls, or messaging. Some BCBS plans also offer 24/7 nurse advice lines for non-emergency medical concerns.
BCBS telehealth services are covered under many of its health insurance plans, including Medicare and Medicaid. However, coverage and availability may vary depending on the specific plan and location. It's essential to check with BCBS to confirm telehealth coverage and access.
What's Covered
BCBS Telehealth services are covered under various plans, including fully insured HMO and PPO members, and self-funded employer group members. These services are consistent with the terms of the member's benefit plan.
The Centers for Medicare and Medicaid Services (CMS) permanent and temporary telehealth code list is included in the coverage. This list provides a comprehensive range of telemedicine services, including applied behavior analysis, intensive outpatient program, partial hospitalization programs, physical therapy, occupational therapy, and speech therapy.
For self-funded employer group customers, coverage is based on the list above, but they have flexibility to make decisions for their employee benefit plans. This means coverage for employees may vary slightly.
Telemedicine is considered a mode of care delivery to be used when it can reasonably provide equivalent outcomes as face-to-face visits. This approach prioritizes patient care and outcomes.
Here is a list of covered telemedicine services for BCBSOK members:
- CMS permanent and temporary telehealth code list
- AMA telehealth code list
- Applied behavior analysis (ABA) services
- Intensive outpatient program (IOP) services
- Partial hospitalization programs (PHP)
- Physical therapy (PT)
- Occupational therapy (OT)
- Speech therapy (ST)
Submitting Claims
Submitting claims for BCBS telehealth services can be a straightforward process if you know where to look. Review the Clinical Payment and Coding Policy (CPCP033) and Telemedicine and Telehealth Services for more information.
To get started, you'll need to review the Advisory on Telemedicine Services – Place of Service (POS) Codes. This will give you a clear understanding of the specific codes to use when submitting claims.
If you're unsure about which codes to use, don't worry – it's a common question. The Advisory on Telemedicine Services – Place of Service (POS) Codes provides a clear list of codes to use for telemedicine services.
Referrals and Authorizations
Referrals and authorizations are a crucial part of BCBS telehealth.
Some telemedicine care will require referrals and prior authorizations in accordance with the member’s benefit plan. Check eligibility and benefits for each member for details.
You'll need to verify the specific requirements for each member, as they may vary.
Delivery Methods
Delivery methods for BCBSOK members are quite flexible. You can have a 2-way, live interactive telephone communication (audio only) or digital video consultations with BCBSOK providers.
Asynchronous telecommunication is also an option, where a service is recorded as video or captured as an image, and the provider evaluates it later. This method is required by Oklahoma Statute.
Other methods allowed by state and federal laws can also be used, which can help reduce the risk of exposure to contagious viruses or further illness.
For Medicare members, providers must use an interactive audio and video telecommunications system that permits real-time interactive communication to conduct telemedicine services.
Getting Care
Getting Care is easier than ever with BCBS Telehealth. You can access board-certified physicians 24/7 for non-emergency medical and behavioral health conditions.
You can choose MDLIVE as your Primary Care Provider (PCP) and get annual check-ups and routine care covered. They can also write and send prescriptions when appropriate to a nearby pharmacy.
With Virtual Visits, you can get access to US board-certified Providers for non-emergency medical and behavioral health conditions. This service is available 24 hours a day, 7 days a week, and registering for MDLIVE is free.
Here are some benefits of Virtual Visits:
- Cost savings realized when employees use Virtual Visits instead of urgent care or emergency rooms.
- Potential for lower employee absenteeism and improved workforce productivity
- Educational and promotional materials encourage registration and employee participation.
Eligible Members
If you're wondering who can use telemedicine, the answer is a bit more complicated than you might think. MDLIVE's virtual care services are only available to certain types of benefit plans.
You can use telemedicine if you have a fully insured HMO or PPO plan. This means that if you're covered by a traditional health insurance plan, you may be eligible for telemedicine services.
Blue Cross Medicare Advantage plans, excluding Part D, and Medicare Supplement plans are also eligible for telemedicine. However, it's essential to note that these plans have specific requirements and limitations.
Self-funded employer group plans are another type of plan that can use telemedicine services. This means that if your employer offers a self-funded health insurance plan, you may be able to use MDLIVE's virtual care services.
Here are the types of plans that are eligible for telemedicine:
- Fully insured HMO and PPO plans
- Blue Cross Medicare Advantage (excluding Part D) and Medicare Supplement plans
- Self-funded employer group plans
Remember to check your plan details to confirm that telemedicine services are covered.
Member Cost Share
For most members, copays, deductibles, and coinsurance apply to telemedicine visits as of January 1, 2021.
The cost share varies according to the member’s benefit plans, so it's essential to check eligibility and benefits for each member for details.
Self-funded employer group customers can make decisions for their employee benefit plans and may choose to waive telemedicine cost share.
Our Medicare Advantage members won't owe any copays, deductibles, or coinsurance for telemedicine visits for the duration of the Public Health Emergency, thanks to a cost share waiver.
Searching Our Care Tool
If you're searching through our Find Care tool, you may find an MDLIVE provider option at the top of your search results. This is because Virtual Visits are included in some plans' benefits.
If you don't see MDLIVE listed, it might be because they don't offer the care you're searching for or Virtual Visits aren't covered by your plan. It's always a good idea to check your plan's benefits to see what's included.
If you do see MDLIVE listed, you can access board-certified doctors 24/7 for diagnosis and treatment of common conditions, with prescriptions sent to your local pharmacy.
To confirm, you can always check your plan's benefits or contact your primary care provider to learn more about what's covered under your plan.
Getting Care
Getting Care is easier than ever with virtual visits and telehealth services. You can access board-certified physicians 24/7 through Teladoc or MDLIVE, and even get prescriptions sent to your local pharmacy.
If you have a high-deductible health plan or a PPO Savings plan, you may have to pay the full provider rates until you've met your deductible, so be sure to confirm pricing when you schedule your appointment.
Virtual visits can be a convenient choice for non-emergency medical and behavioral health conditions, including colds, flu, earaches, and allergies, as well as depression and anxiety.
You can access virtual primary care, powered by Teladoc Health, with larger employer groups, giving your employees easy and convenient access to cost-effective primary care.
Here are some benefits of virtual primary care:
- Choose a primary care provider who takes the time to get to know you, your health history, and needs.
- Schedule annual checkups and ongoing care when it's convenient.
- Get referrals to in-person and in-network specialists, ongoing support from a dedicated care team, and a custom care plan with clear next steps.
Virtual visits, powered by MDLIVE, can also provide access to dermatology care, where you can upload photos and get custom treatment plans for skin issues like eczema, psoriasis, acne, rosacea, skin infections, and more.
In some states, virtual visits may be limited to interactive audio/video (video only), so be sure to check your location and plan details before using the service.
Frequently Asked Questions
Do virtual visits cost more?
No, virtual visits are often lower in cost compared to in-office clinic visits. This can make healthcare more accessible and affordable for patients with transportation or financial barriers.
Can an online doctor prescribe me?
Yes, an online doctor can prescribe medication, but a video consultation is required for most prescriptions, and there are restrictions on controlled substances. Learn more about our online prescription services and how they work.
How do I know if my insurance covers telehealth?
Check your insurance plan to see if telehealth is covered, and contact your insurance provider for details on costs and coverage. You can also check your insurance company's website or mobile app for information on telehealth benefits.
Is telemedicine free with insurance?
Telemedicine costs vary depending on your health insurance and provider, so it's best to check with them before scheduling a virtual visit. Many insurances cover telehealth visits similarly to in-person appointments.
Sources
- https://www.bcbsok.com/provider/claims/claims-eligibility/telemedicine
- https://www.blueshieldca.com/en/home/be-well/live-healthy/telehealth
- https://www.bcbsil.com/find-care/providers-in-your-network/virtual-visit
- https://www.excellusbcbs.com/find-a-doctor/telemedicine
- https://www.bcbsok.com/employer/our-products/product/virtual-care
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