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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.
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.
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.
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.
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.
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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 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