Insurance is the single most confusing part of healthcare in the United States, and telehealth coverage has changed more in the last three years than in the previous twenty. Here's what you actually need to know in 2025.
The short version
Most major insurance plans now cover telehealth visits at parity with in-person visits, meaning the same copay and the same deductible apply. ROX is in-network with UnitedHealthcare, Cigna, BCBS, Aetna, and Medicaid in most states we serve. If you have one of those, your visit is processed like any standard primary care or urgent care appointment.
What "in-network" actually means
- Your insurer has a contracted rate with us — you only pay your copay/coinsurance
- Claims are filed for you automatically; no reimbursement paperwork
- Deductibles apply just like an in-person visit
- Prescriptions sent to your in-network pharmacy use your normal drug benefit
When self-pay is the better deal
If you have a high-deductible plan (most ACA marketplace plans), an HSA, or no insurance at all, our self-pay rates are often cheaper than what you'd pay running a claim through insurance. A one-time visit is $69.99, and our monthly membership at $35/mo covers unlimited visits with zero copays. For families that catch every cold making the rounds, the math usually favors the membership.
Common gotchas
Some plans have a separate "telehealth benefit" with a different copay than urgent care — usually lower. If your card lists Teladoc, MDLive, or another telehealth vendor, that's not us; you can still see us, but the visit goes through your standard medical benefit.
When in doubt, run our Eligibility Checker on the Pricing page or call us. We'll tell you exactly what your visit will cost before you book.
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