We accept all major insurance plans—including Medicare Advantage and traditional Medicare. We also accept HSA and FSA cards. We currently do NOT accept Medicaid. At this time, most insurance companies do NOT pay for membership fees, just doctor visits.
Please note that HealthTap does NOT decide anything about your coverage; we just relay information from your insurance company. It is up to your insurance plan (and how much of your deductible you have remaining) to determine how much of your HealthTap visit will be covered.
Before each visit, we will check with your insurance company to give you an estimate in real time. We will submit any claims to your insurance company, and will only charge you up front for the part we think your insurance will not cover. On the "Confirm payment" screen under "Billing details" the amount of "Your estimated insurance coverage" and the remaining "Today's total" of the visit will be displayed.
If your insurance company does NOT cover virtual visits, you will be charged $129 for non-subscriber Urgent Care visits and $44 or $59 for subscriber Primary Care or Urgent Care visits.
If your insurance plan does NOT cover virtual visits, consider starting a membership with HealthTap, which is designed to save you money and can be utilized even if you do not have insurance.
Following are reasons why your virtual visit might NOT be covered:
- You have NOT met your deductible.
- Your insurance company does NOT cover this type of telemedicine visit.
- Your insurance company could NOT tell us your coverage at this time. In this case, we recommend contacting the insurance company directly for more information.
If you need additional help, have any questions about your plan, or require assistance, please submit a request to Member Support Team.
Please Note:
- The cost of prescriptions, lab tests, or in-person doctor visits are NOT included in the cost of the HealthTap membership or virtual visit.
- You are ultimately responsible for all copayments, coinsurance, deductibles fees, for uncovered services and unpaid fees incurred by your use of the services, including an instance where your insurance fails to cover or denies coverage for such fees.
- HealthTap has no obligation or responsibility to recover such fees directly from your insurance company, and will NOT be liable to you or your insurance company for any dispute regarding coverage.