skip to main content

Commercial insurers’ policies for extended telehealth coverage

Policies and coding guidance for extended telehealth coverage during the COVID-19 emergency from more than 50 of the better-known national, regional, and state-based payers.

CITE THIS
American Psychological Association. (2020, July 13). Commercial insurers’ policies for extended telehealth coverage. http://www.apaservices.org/practice/clinic/covid-19-insurer-telehealth-policies
African American man wearing headset.

This list of state-based and national and regional payers provides details on more than 50 of the better-known commercial insurers’ policies for extended telehealth (TH) coverage during the COVID-19 emergency.

NOTE: Expiration dates are rapidly changing. While we strive to keep the information updated, please check with the insurer directly for current information.

State payers

Alaska

Premera Blue Cross

Type of plan: Commercial and Medicare/Medicaid
Coverage dates: extended through 12/31/2020

Arizona

Arizona BCBS

Type of plan: Commercial and Medicaid/Medicare
Coverage dates: N/A

California

Blue Shield of California

Type of plan: Commercial and Medicare/Medicaid
Coverage dates: N/A

Connecticut

ConnectiCare

Type of plan: Commercial/Medicaid
Coverage dates: 3/1/2020–6/30/2020

Florida

Florida BCBS

Type of plan: Commerical, Medicaid
Coverage dates: Updated 5/28/2020 but no stated end date. Company claims that guidance will be updated frequently.

Georgia

Ambetter

Type of plan: Commercial and Medicare/Medicaid
Coverage dates: 3/17/2020–6/30/2020

Idaho

Blue Cross of Idaho

Type of plan: Commercial and Medicare/Medicaid
Coverage dates: N/A

Kansas

BCBS Kansas

Type of plan: Commercial
Coverage dates: N/A

Massachusetts

BCBS of Massachusetts

Type of plan: Commercial and Medicare/Medicaid
Coverage dates: N/A

Tufts Health Plan

Type of plan: Commercial
Coverage dates: effective for dates of service 3/6/2020 until 7/20/2020 (if necessary, date may be extended again)

Michigan

BCBS of Michigan

Type of plan: Commercial, Medicare Plus, and BCN Advantage
Coverage dates: N/A

Priority Health

Type of plan: Commercial
Coverage dates: Effective 3/26/2020 through 6/30/2020, will temporarily allow credentialed providers to bill routine practice codes for services provided through telehealth. Other policies have different effective dates.

Minnesota

BCBS Minnesota

Type of plan: Commercial and Medicaid
Coverage dates: Extended telehealth policy effective the duration of the national public health emergency related to COVID-19

Missouri

BCBS of Kansas City

Type of plan: Commercial, Medicare, and Self Insured
Coverage dates: extended to 7/25/2020

Nebraska

BCBS Nebraska

Type of plan: Commercial
Coverage dates: 3/13/2020–6/30/2020

New Hampshire

Tufts

Type of plan: Commercial and Medicare/Medicaid

New Jersey

Horizon BCBS

Type of plan: Commercial
Coverage dates: N/A

New Mexico

New Mexico Health Connections

Type of plan: Insurance exchange and commercial
Coverage dates: N/A

Presbyterian Health Plan (AKA Centennial Care)

Type of plan: Commercial, Medicaid, Medicare Advantage
Coverage dates: N/A

True Health New Mexico

Type of plan: Appears to be both commercial and Medicare/Medicaid

New York

Excellus BCBS

Type of plan: Commercial and Medicare/Medicaid
Coverage dates: N/A

Group Health Incorporated (AKA Emblem Health)

Type of plan: Commercial and Medicare
Coverage dates: N/A

North Carolina

BCBS North Carolina

Type of plan: Commercial and Medicare/Medicaid
Coverage dates: N/A

North Dakota

BCBS North Dakota

Type of plan: Commercial
Coverage dates: N/A

Ohio

Medical Mutual

Type of plan: Commercial and Medicare Advantage
Coverage dates: until emergency order is lifted by the US Dept of Health and Human Services

Oregon

Moda

Type of plan: Commercial and Medicare/Medicaid
Coverage dates: N/A

Pacific Source

Type of plan: Commercial and Medicare/Medicaid
Coverage dates: N/A

Providence Health Plan

Type of plan: Commercial
Coverage dates: N/A

Pennsylvania

Capital Blue Cross

Type of plan: Commercial/Medicare Advantage
Coverage dates: through 6/30/2020

Independence BCBS

Type of plan: Commercial/Medicare
Coverage dates: Commercial telemedicine services are effective 3/6/2020 through 12/31/2020; Medicare Advantage telemedicine services are effective 3/6/2020, and for the duration of the public health emergency.

Quest

Coverage dates: during the state of emergency

UPMC Health Enterprise

Type of plan: Commercial and Medicaid/Medicare
Coverage dates: 9/30/2020

Rhode Island

BCBS Rhode Island

Type of plan: Commercial and Medicare
Coverage dates: extended through 7/31/2020

Harvard Pilgrim

Type of plan:
Coverage dates: N/A

South Carolina

BCBS SC

Type of plan: Commercial and Medicare
Coverage dates: until the end of the COVID-19 public health emergency period

Tennessee

BCBS Tennessee

Type of plan: Commercial and Medicare/Medicaid
Coverage dates: 3/16/2020–until further notice

Utah

Public Employees Health Plan

Type of plan: Commercial
Coverage dates: N/A

SelectHealth (Intermountain)

Type of plan: Commercial and Medicare/Medicaid
Coverage dates: No end date specified; only specification is effective date of 3/1/2020

UNI-BNH (University of Utah Health)

Type of plan: Commercial
Coverage dates: N/A

Vermont

BCBS Vermont

Type of plan: Commerical, Medicaid
Coverage dates: Extended thru 12/31/2020

Washington

Premera Blue Cross

Type of plan: Commercial and Medicare/Medicaid
Coverage dates: extended through 12/31/2020

Wyoming

BCBS Wyoming

Type of plan: Commercial
Coverage dates: N/A

National and regional payers

Illinois, Iowa, Minnesota, North Dakota, South Dakota, and Wisconsin

Health Partners

Type of plan: Self-Insured, Medicare Cost and Advantage, Medicaid, MSHO, SNBC, WI Marketplace (Coverage for certain products may not be available for all self-insured plans)
Coverage dates: N/A

Tennessee

Oscar

Type of plan: Commercial and Medicare/Medicaid
Coverage dates: N/A

National

Aetna

Type of plan: Commercial, Medicare, Self-Insured (at sponsor discretion)
Coverage dates: (effective 3/6/2020) waiver of cost sharing extended to 9/30/2020 and allowance of phone only extended to 8/4/2020

Anthem BCBS

Region: National, but only in certain states: CA (Blue Cross but not Blue Shield), CO, CT, GA, IN, KY, ME, MO (excluding 30 counties in the Kansas City area), NV, NY (only Empire BCBS—other parts of state are coved by other BCBS companies), OH, VA (except DC suburbs) and WI
Coverage dates: Most telehealth policies effective 3/17/2020 through 9/13/2020. But for out of network providers, waiving cost shares is only effective through 6/15/2020. Anthem “will continue to actively monitor the rapidly evolving situation”

BCBS Federal Employee Program (FEP)

Coverage dates: 4/17/2020–12/31/2020

Beacon (Carve Out Company)

Type of plan: Commercial
Coverage dates: 3/6/2020 until national emergency ends

Cigna

Type of plan: Commercial
Coverage dates: 3/17/2020–7/31/2020 (applies to claims since 3/2/2020)

Humana

Type of plan: Commercial and Medicare Advantage
Coverage dates: following state emergency orders for deadlines

Magellan

Region: National—BH Carve out company
Type of plan: Commercial, Medicare, Managed Medicaid
Coverage dates: 3/18/2020–end of federal emergency

Optum/United Health Care

Type of plan: Commercial, Medicare Advantage, Managed Medicaid. Application to self-insured plans not yet clear. Waiver of patient responsibility (see “Developmental / Behavioral Screening and Testing Services”) clearly excludes self-insured plans but not yet clear for other policies.
Coverage dates: 3/19/2020–7/24/2020

Disclaimer

We prepared this page to provide information to psychologists in this rapidly changing landscape. Because the law and related information continually change, we will strive to update the page regularly. Please email us with any updates.

Please note this document does not constitute legal advice. APA cannot guarantee the completeness or accuracy of this document, and we recommend that psychologists independently verify this information (partly by using the reference(s) included in each listing) and consult with counsel in their state with appropriate experience before relying on or making decisions based on this information.