Top Telehealth Services Covered by Insurance in 2025
Telehealth has revolutionized healthcare — making it faster, more convenient, and more affordable to see a doctor from the comfort of your home. And the best part? Many insurance plans now cover telehealth services, often with little to no copay.
In this guide, we’ll highlight the top telehealth services in the USA that are widely covered by major insurance providers in 2025 — plus what to look for when choosing the right one for your needs.
✅ What Is Telehealth?
Telehealth (or telemedicine) refers to virtual healthcare services delivered via:
- Video calls
- Phone calls
- Mobile apps or online platforms
It’s perfect for:
- Routine checkups
- Mental health therapy
- Prescription refills
- Minor illnesses (like colds, rashes, UTIs)
- Chronic disease management
🏥 Top Telehealth Services Covered by Insurance (2025)
These platforms are known for wide insurance acceptance, ease of use, and nationwide availability.
1. Teladoc Health
- Services: General care, mental health, dermatology, chronic condition management
- Accepted by: Aetna, Cigna, Blue Cross Blue Shield, UnitedHealthcare, and more
- Why It’s Great: 24/7 access to doctors, wide insurance coverage, highly rated app
- Best For: Families needing all-in-one virtual care
2. MDLIVE
- Services: Primary care, urgent care, dermatology, therapy
- Accepted by: Cigna, Humana, many employer-sponsored plans
- Why It’s Great: Same-day appointments, broad mental health support
- Best For: Quick, affordable access to multiple specialists
3. Amwell
- Services: Behavioral health, women’s health, pediatrics, urgent care
- Accepted by: Anthem, UnitedHealthcare, and several state Medicaid plans
- Why It’s Great: Partners with hospitals and insurers; wide provider network
- Best For: Those seeking care from well-known hospital systems
4. Doctor on Demand
- Services: Urgent care, therapy, psychiatry, preventive health
- Accepted by: Humana, UnitedHealthcare, many employer and ACA plans
- Why It’s Great: High-quality mental health services, board-certified providers
- Best For: Mental health care + general medical needs
5. PlushCare
- Services: Primary care, mental health, STD testing, prescriptions
- Accepted by: Aetna, Anthem, Cigna, UnitedHealthcare, and more
- Why It’s Great: Easy prescription refills and personalized long-term care
- Best For: Ongoing care from the same provider
🧾 What to Check Before Booking Telehealth
- ✅ Is your plan accepted? Check the provider’s site or your insurer’s portal
- ✅ What’s the copay? Some plans offer $0 visits; others charge $20–$50
- ✅ Are prescriptions covered? Especially important for chronic conditions
- ✅ Can you see the same doctor each time? Continuity matters for long-term care
🧠 Bonus: Mental Health Teletherapy Options
Many insurers now cover virtual therapy and psychiatry, including:
- BetterHelp (check coverage or use FSA/HSA funds)
- Talkspace (accepted by Cigna, Optum, Premera Blue Cross)
- Brightside Health (insurance + subscription options for depression/anxiety)
Final Thoughts
Telehealth is no longer just a convenience — it’s become a vital part of mainstream healthcare. Whether you need a prescription refill, therapy session, or a late-night checkup, today’s top telehealth providers make it easier than ever — and your insurance likely foots most of the bill.
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