Telemedicine with Teladoc

Waters recognizes that you might not always have time to visit a doctor in-person, which is why they offer you Telemedicine through Teladoc–a service that allows you to have a medical evaluation online or by phone, for less than the cost of a regular office visit. And new for , you can establish a virtual Primary Care Physician (PCP) using TelaDoc TeleHealth.

Through the Teladoc service, you can receive (non-emergency) medical advice from a doctor via telephone, or video from a computer, smartphone, or tablet. Doctors are available 24/7, 365 days a year, with wait times, on average, of only 10 minutes. So you can see (or hear) a doctor from just about anywhere.

One of the advantages of Teledoc is access to Behavioral Health and Dermatology resources. This will give you access to specialized services. New in , you can choose Teladoc for your virtual primary care physician.

While the service isn’t free, Aetna-covered members, including covered dependents, will only have to pay the in-network rate of $49 per use, pre-deductible being reached, then even less after reaching the annual deductible, and that can be a considerable savings over a standard office visit. The member cost would be a $25 copay for members enrolled in the Copay and Deductible medical plan.

There is a separate cost structure for Behavioral Health ($85-$190 per consult) and Dermatology ($75 per consult).

Aetna members can reach the service through, or by calling 1-855-Teladoc (835-2362). (Non-Aetna members will need to access Teladoc directly, and pay their current, posted rates.)

FYI: this $49 amount DOES count toward your deductible and out-of-pocket maximum, and can be paid using your HSA debit card, Flexible Spending Account Flex Express Card from your General Purpose FSA account, or any other form of personal credit/debit card. (You don’t pay until after the claim is processed through Aetna and you receive your explanation of benefits, just like a regular doctor visit.)