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Bought a Bronze Plan? How Telemedicine May Help You Save Money on Healthcare

Bought a Bronze Plan? How Telemedicine May Help You Save Money on Healthcare

Posted Feb 29, 2016 by Jenifer Dorsey

 

You bought a bronze plan. Maybe the monthly premium price appealed to you and, since you are relatively healthy, you don’t need to visit the doctor much in a given year.

Until you do.

And that’s when the financial reality sets in. You have to pay out of pocket for office visits and other care until you reach your plan deductible, and that can sometimes leave you questioning if it is really worth it to see a healthcare provider about your nagging cold.

The problem is that waiting could make it worse, which could mean an even more expensive visit to urgent care.

Fortunately, there’s a way to help lessen what you pay for simple medical care: telemedicine.

What is telemedicine? Sometimes referred to as telehealth, telemedicine is the use of telecommunication and information technologies to provide healthcare from a distance.[1]

The Telemedicine bundle available through IHC is a supplemental health benefit product that includes Teladoc, a telemedicine provider. Teladoc provides access to phone or video consultations with state-licensed, board-certified doctors who can treat an array of minor medical conditions such as cold, flu, ear infections, allergies, pink eye and urinary tract infections, to name a few.

The Telemedicine bundle sold through healthedeals.com includes four money-saving benefits:

1. Teladoc – Consultations with a national network of board-certified doctors who average 20 years of experience—available 24 hours a day, seven days of the week

2. Davis Vision – Discounts on eye exams, lenses, frames and more

3. Innovative Medical Risk Management, Inc. – Patient advocacy and support for high-dollar health insurance claims

4. IHC Best Health – Health, nutrition and fitness articles to help you make feel-good lifestyle choices

The Telemedicine bundle can complement any Obamacare metal plan—not just bronze—or short term health plan.

How Telemedicine can help you save on out-of-pocket healthcare expenses

You pay $15 per consultation with the Telemedicine bundle’s Teladoc benefit—no deductible, no coinsurance, just a flat per-visit fee. It has been estimated that telemedicine saves consumers $100 or more per doctor visit.[2]

Additionally, because Teladoc  connects you with a doctor anytime that’s convenient for you and anywhere you have access to a phone, computer or mobile app you can save time and money—no driving to the clinic; no time off work; no sitting in a waiting room.

What does Telemedicine cost?

The Telemedicine bundle sold through Health eDeals costs $12.50 per month for single coverage and $14.95 per month for family coverage. As mentioned above, when you use the Teladoc benefit, you will pay per $15 consultation.

What about prescriptions?

Teladoc providers can diagnose and prescribe, when medically necessary. You simply pick them up at your preferred pharmacy.

Telemedicine does not include prescription drug benefits or discounts; however, when you buy the bundle at healthedeals.com, you have the option to add an Rx Pay Card discount health savings program for an additional monthly charge.

Read our “Top 10 Reasons to Try Telemedicine” to learn more about what the Telemedicine bundle has to offer.

Have questions about Telemedicine or other products? Call the number at the top of your screen to speak with a certified adviser who can help you today.

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[1] Wikepedia. “Telemedicine.” Accessed Feb. 10, 2016. Last modified Feb. 1, 2016. https://en.wikipedia.org/wiki/Telemedicine

[2] Dvorak, Katie. “Study: Telehealth Can Save $100 or More Per Visit.” FierceHealthIT. Dec. 15, 2014. http://www.fiercehealthit.com/story/study-telehealth-can-save-100-or-more-visit/2014-12-15

Telemedicine
The Telemedicine plan is NOT insurance. The plan is not insurance coverage and does not meet the minimum creditable coverage requirements under the Affordable Care Act.

Teladoc is available in all states except for Arkansas. Texas allows phone consultations only. No video is currently available in Texas. In Idaho, Teladoc can only provide services via a video consult.

© 2015 Teladoc, Inc. All rights reserved. Teladoc and the Teladoc logo are trademarks of Teladoc, Inc. and may not be used without written permission. Teladoc does not replace the primary care physician. Teladoc does not guarantee that a prescription will be written. Teladoc operates subject to state regulation and may not be available in certain states. Teladoc does not prescribe DEA controlled substances, non-therapeutic drugs and certain other drugs which may be harmful because of their potential for abuse. Teladoc physicians reserve the right to deny care for potential misuse of services. Teladoc phone consultations are available 24 hours, 7 days a week while video consultations are available during the hours of 7a.m. to 9p.m., 7 days a week.

About The IHC Group
The IHC Group is an organization of insurance carriers and marketing and administrative affiliates that has been providing life, health, disability, medical stop-loss and specialty insurance solutions to groups and individuals for over30 years. Members of The IHC Group include Independence Holding Company (NYSE:IHC), American IndependenceCorp. (NASDAQ: AMIC), Standard Security Life Insurance Company of New York, Madison National Life Insurance Company, Inc. and Independence American Insurance Company. Each insurance carrier in The IHC Group has a financial strength rating of A- (Excellent) from A.M. Best Company, Inc., a widely recognized rating agency that rates insurance companies on their relative financial strength and ability to meet policyholder obligations. (An A++ rating from A.M. Best is its highest rating.) Collectively, the companies in The IHC Group provide insurance coverage to more than one million individuals and groups. For more information about The IHC Group, visit www.ihcgroup.com.

About IHC Specialty Benefits, Inc.
IHC Specialty Benefits, doing business as Health eDeals Insurance Solutions is a full-service marketing and distribution company that focuses on small employer, individual and consumer products. Health eDeals markets products through general agents online, telebrokerage, advisor centers, private label and directly to consumers. For more information about Health eDeals visit www.HealtheDeals.com.