Top 10 Tips: Who Pays for Telemedicine
Telemedicine allows one to be able to access medical care services whenever and wherever they need, as it is accessed virtually through telecommunications technology, as covered in detail over at bellaireer.com. There are several areas, as far as telemedicine is concerned, that remains shrouded in mystery as far as many consumers are concerned, as per discussions on the same over at bellaireer.com. One of them has to do with payments, or reimbursements, with many people wondering who pays for telemedicine. If you are one of them, then you are in the right place as this article will look to help answer that question with the following 10 tips.
The payment model
Currently, telemedicine functions on a fee-for-service model, which means that any care of any sort is monetized, as per discussions on the same over at bellaireer.com. This means that any small service offered through telemedicine has got an associated fee accompanying it. The issue with this kind of payment model, as per the gurus over at bellaireer.com, is that it leads to a situation where prices are continuously increasing.
The fee is dependent on the service provided
Another important tip worth mentioning, as per the subject matter experts over at bellaireer.com, as concerns payment and telemedicine, is the fact that the amount of fees charged is highly dependent on the type of service one has used. As an example, with more such examples to be found over at bellaireer.com, if you have a session with a brain specialist, you will be charged more compared to if you had a session with a physician dealing with wounds or cuts.
Reforms looking to change the payment model
As mentioned above, and discussed in great detail over at bellaireer.com, the fee-for-service model used in telemedicine has got several drawbacks, including the fact that it leads to continuously increasing prices. To tackle this drawback, there are several healthcare policy reforms afoot to have telemedicine adopt a per-patient payment policy, which is aimed at not only lowering costs and saving money, it is also aimed to provide incentives for wellness.
What does the push for per-patient payment mean?
You may be wondering or asking yourself what this per-patient payment model is all about, and as our next tip, we are going to have this question answered. This model, as per the gurus over at bellaireer.com, basically means that physicians and practitioners will be paid for a given number of interactions that do not have patients present, which includes such things as data transfer, video chats, emails and so forth.
Telemedicine and Medicare
One of the ways through which practitioners can be reimbursed for telemedicine, in what is another tip on who pays for telemedicine, is through Medicare. As is discussed in detail over at bellaireer.com, most telemedicine services are covered by Medicare, particularly those done through videoconferencing. Different states have got different regulations on what is covered by Medicare as far as telemedicine is concerned which is why you must do your research on the same.
Telemedicine and Medicaid
Other than Medicare, another tip on who pays for telemedicine is the reimbursement of such services through state Medicaid programs. As is covered in detail over at bellaireer.com, all state Medicaid programs, with the notable exception of Massachusetts, Iowa and Rhode Island have got some sort of coverage for telemedicine services, making this another avenue through which practitioners can be reimbursed for telemedicine services offered.
With Medicare and Medicaid leading the way, as mentioned above and covered in detail over at bellaireer.com, private insurance companies have begun doing the same, with most major health insurance companies having some sort of cover program for telemedicine services. Most of those that don’t have such products have also announced that they are in the process of rolling out their telemedicine coverage programs in what is more good news for consumers.
The role played by state legislation
Even before many private insurance companies saw sense and began rolling out insurance cover programs for telemedicine, many states had stepped in and enacted legislation requiring private insurance companies to include an option for telemedicine. As is revealed in discussions on the same over at bellaireer.com, more than half of the states in the U.S. have such legislations, with this number set to go up in the years to come.
The role of employers
Another important tip as to who pays for telemedicine is on the role played by employers in all this. As per discussions on the same over at bellaireer.com, close to 90% of employers in medium to large companies offer telemedicine coverage to their employees. This means that, other than insurance companies, Medicare and Medicaid, employers also, in certain circumstances, pay for telemedicine on behalf of their employees.
There are also certain instances when the costs of the service may be passed directly on to the patient, as is covered in detail over at bellaireer.com. If you lack insurance coverage or your coverage doesn’t everything, then part of or all of the costs may be passed on to you as the patient. In most such cases however, you can discuss with your physician on the payment plans available to you to enable you to pay the bill without too much stress.
Hopefully the above article will help you understand the topic as regards who pays for telemedicine, and if you have any questions or are looking for more information on the same, then the gurus over at bellaireer.com have you covered.