Insurance carriers are always finding new ways to offer services while containing costs. One of the biggest costs identified was the practice of individuals using emergency rooms for non-life threatening, or even minor health incidents, such as a severe cold or a child’s recurring ear infection.
The use of urgent care clinics, which often have weekend and after-hours availability with low copayment amounts, has become a popular and convenient alternative for families. Their use could help curb emergency room use, but there is still room for improvement.
Rather than go to a doctor’s office or urgent care clinic, insurance carriers are providing telemedicine options. Employees can get treatment at home or the office for basic health incidents with a simple copayment. Telemedicine can include services such as:
Depending on the symptoms or condition, the nurse case manager or virtual visit physician can even prescribe medications without a physical exam. This is usually for minor conditions like an infection, rash or virus that has common symptoms. Plus, smart phones make sending a photo of the infection site or rash right to a healthcare provider easier than ever. Do keep in mind, however, that some states have regulations which limit telemedicine services and prescription writing.
Check to see what health plan options are available in your state and any state regulations that may impact services. TriNet’s health plans also offer different telemedicine options and features. If you have questions about our health plans and services, be sure to ask your local TriNet sales representative, client service representative or employee solution center.
This communication is for informational purposes only; it is not legal, tax or accounting advice; and is not an offer to sell, buy or procure insurance.