virtual health visits (telehealth)
anthem medical plans
With virtual health visit services, you can see a health provider, right from home. All you need is a mobile device - like a smartphone or tablet - or a computer with a webcam.
- Visit board-certified health and behavioral health providers. They can assess your condition, provide treatment options and typically send a prescription to the pharmacy of your choice, if needed. Some services may even be available 24/7.
- Get quick care when you need it. Doctors can treat you for minor issues like fever, sore throat, cough and colds, flu, urinary tract infections, sinusitis, allergies, eczema, rashes, skin lesions and heartburn.
- The cost of service varies. If your health plan provides this service, your cost sharing - if any - will vary, depending on your plan's coverage rules. You'll typically see the cost for the service up front, before you initiate a visit.
- Payment is easy. You'll usually pay up front before your visit is initiated with a credit or debit card. You can also pay with a special purpose debit card for a health savings account (HSA) or flexible spending account. Please keep in mind that charges for prescriptions aren’t included in the cost of your virtual health visit.
As always, remember, call 911 or go to the ER if you think you need care right away.
- Online visits under your Anthem plan must be with providers who contract with LiveHealth Online. Online visits do not include consultations outside of the LiveHealth Online service.*
- Covered services include medical consultations using the Internet via webcam, chat, or voice from a LiveHealth Online Provider at livehealthonline.com.
- Must be allowed under state law.
* Note that, due to the COVID-19 pandemic, coverage rules for online visits have been extended to include covered services provided by a non-LiveHealth Online provider via telephone and/or secure video. Read the full details about this temporary extension under the Temporary Extension of Online Visits topic below.
Ordinarily, online visits are not covered outside of the LiveHealth Online provider group. However, in recognition of current physical distancing requirements during the COVID-19 pandemic, effective March 18, 2020, coverage for online visits have been temporarily extended to include non-LiveHealth Online providers - such as your personal physician. Read the plan changes below:
- Online visits with a LiveHealth Online provider are considered office visits and follow your Anthem Plan’s standard Online Visits or Network Office Visit schedule of benefits.
- You’ll see the cost for the visit, and you’ll need to provide a valid form of payment prior to proceeding with your online visit.
- No claim forms or other filing with Anthem is needed when you use LiveHealth Online; the payment requested (if any) is your actual out-of-pocket cost for that service.
- Anthem doesn’t cover prescription drugs for outpatient treatment – whether you’re visiting a provider in the office or through LiveHealth Online. If you are prescribed a drug as part of your online visit; you should use your prescription drug plan with Express Scripts to fill prescribed medication.
medical HMO plans
global choice plans
The Chevron Global Choice Plan, for U.S.-payroll expatriates and expatriates in the U.S. offers virtual health services called Global Telehealth. To use this service:
- Step One: Download the Cigna Wellbeing app, if you haven't already.
- Step Two: Request an appointment. Use your Cigna Wellbeing app to make an appointment with a doctor anytime, anywhere, 24/7.
- Step Three: Speak with a doctor. Your initial global telehealth consultation will be with a general practitioner (GP) – by phone or video. If the GP feels that you should speak with a specialist, the GP will schedule another telehealth appointment with a Teladoc network specialist.
- Step Four: Feel better. When necessary, a prescription will be sent to you to take to your local pharmacy.
mental health and substance use disorder plan
Telebehavioral health services (virtual visits) are available under the MHSUD Plan to employees eligible to participate in the plan. Where state laws allow, telebehavioral health services are available under the Mental Health and Substance Use Disorder (MHSUD) Plan to employees, retirees and covered dependents eligible to participate in the MHSUD Plan. Telebehavioral health services can be accessed in one of three ways:
To use telebehavioral health services directly with your provider:
- Speak to your provider about how it works and to get started.
To use telebehavioral health services through TalkSpace:
To use telebehavioral health services through MDLIVE:
- Step One: Register for an MDLIVE account.
- Step Two: Schedule a telehealth appointment from your MDLIVE account.
- Step Three: Access your MDLIVE account at your scheduled appointment time. Appointments can be done from your computer connected to the internet from the secure MDLIVE website, from your mobile device through the app, or by phone if necessary.
To be covered under the MHSUD Plan, telebehavioral health services:
- Directly through your provider or through Carelon's telehealth service with a TalkSpace or MDLIVE provider via telephone and/or secure video.
- Telebehavioral health services do not include email, text or fax consultations.
- Must be for a covered condition under the MHSUD Plan and be deemed medically appropriate by Carelon.
- Must be for a mental health and substance use disorder condition that Carelon has deemed appropriate for treatment through telebehavorial health services. Not all services, including the management of certain controlled medications, are appropriate for this type of remote treatment option.
- Must be allowed under state law.
Keep in mind that the MHSUD Plan’s pre-certification and/or notification rules – if any – continue to apply depending on the type of service you receive. In addition, telehealth/telemedicine visits that occur within behavioral health facilities will not be covered.
- The MHSUD Plan’s standard deductible, coinsurance or copayment, and out-of-pocket maximum plan rules and requirements are applied to your covered telebehavioral health services, as applicable.
- Telebehavioral health services are considered an outpatient treatment, so the MHSUD Plan’s standard Outpatient Office Visit schedule of benefits will apply.
No claim forms or other filing with Carelon is needed when you use MDLIVE or TalkSpace. The payment requested (if any) is your actual out-of-pocket cost for that service.
- Carelon doesn’t cover prescription drugs for outpatient treatment – whether you’re visiting a provider in the office or through TalkSpace or MDLive. If you are prescribed a drug as part of your online visit, you should use your prescription drug plan with Express Scripts to fill prescribed medication.
This communication provides only certain highlights about changes of benefit provisions. It is not intended to be a complete explanation. If there are any discrepancies between this communication and the legal plan documents, the legal plan documents will prevail to the extent permitted by law. Oral statements about plan benefits are not binding on Chevron or the applicable plan. Chevron Corporation reserves all rights, for any reason and at any time, to amend, change or terminate these plans or to change or eliminate the company contribution toward the cost of such plans. Such amendments, changes, terminations or eliminations may be applicable without regard to whether someone previously terminated employment with Chevron or previously was subject to a grandfathering provision. Unless required by applicable law, there are no vested rights with respect to any Chevron health and welfare plan benefit or to any company contributions towards the cost of such health and welfare plan benefits. Some benefit plans and policies described in this document may be subject to collective bargaining and, therefore, may not apply to union-represented employees.