Virtual Care · Insurance Information
Using insurance for a virtual visit, without the surprise bill
Coverage for a telehealth visit depends on your plan, the service delivered and the provider's participation. Rather than publish a list of logos that may not apply to your specific plan, we verify before scheduling — and we publish self-pay prices so you always have a known-cost option.
Participation verified before scheduling · Self-pay from $19.99
The short answer
- The short answer
- Presence intends to accept commercial insurance, and insurance options are becoming available. Because plans differ, coverage, benefits and in-network status are verified before your visit rather than assumed — and self-pay prices are published either way.
- Why no list of plans?
- Because a carrier's name tells you almost nothing. The same carrier sells plans with completely different telehealth benefits, networks and cost sharing. A logo wall would mislead more people than it helps.
- What we need to check
- Your carrier, plan name, member ID and group number, plus the type of visit you want. Have your card handy.
- Your alternative
- Published self-pay pricing: QuickCare $19.99, Priority $29.99, phone $39, video $49, extended video $69, payable by card, HSA or FSA.
- Next step
- Start verification, or use self-pay and skip it.
This page sits under virtual care — start there if you want the full picture first.
How to get a straight answer about coverage
- Ask us to verify your plan
You want to know before you book
Ask us to go through verification with you: plan name, member ID, telehealth benefit and any deductible still owing.
- Get care now
You would rather not wait for an answer
Self-pay is published and immediate: QuickCare from $19.99, phone $39, video $49.
- See self-pay pricing
Your deductible is high and mostly unmet
Self-pay is frequently cheaper than an in-network visit billed against a deductible. Compare the two before assuming coverage wins.
- See Whole Family Virtual Care
You are covering a whole household
Whole Family Virtual Care is a self-pay membership, not insurance, and has no copays for membership-covered care.
Insurance options are available; coverage and in-network status vary by plan and must be verified before the visit. We do not name carriers and we never say all insurance is accepted.
Verification, step by step
1. Send us the plan details
Plan name, member ID, group number if there is one, and the phone number on the back of the card.
2. We identify what has to be checked
Whether telehealth is a covered benefit, what the visit would be classed as, and whether in-network status applies to this practice.
3. You get the questions in writing
If your plan has to be called, you will have the exact wording to use so you are not passed between departments.
4. You choose with the numbers in front of you
Verified coverage, or published self-pay from $19.99. Either way you know the cost before the visit rather than after it.
Verification is a factual check, not a guarantee of payment. Your plan makes the final coverage decision.
What actually determines coverage
Your plan, not your carrier
Two people with cards from the same insurer can have entirely different telehealth benefits, deductibles and networks.
The visit format
Live video, phone and asynchronous online review are treated differently by many plans. Ask about the exact format.
Provider participation
Coverage generally depends on the rendering provider being in network and participating for that service.
Deductible status
On a high-deductible plan, a covered visit can still cost you more than our published self-pay price. Worth checking before you choose.
How verification works
Tell us what care you want
The visit format matters to the answer, so start there rather than with the card.
Share your plan details
Carrier, plan name, member ID and group number from your card.
We check participation and eligibility
For the specific service and provider involved, rather than in general terms.
You get a plain answer before scheduling
Either the service can be billed to your plan, or it is self-pay at the published price. No visit is scheduled on a maybe.
This is a verification pathway, not an instant online eligibility engine. If a real-time check is not available for your plan, we say so rather than guess.
When self-pay is the better choice anyway
A $19.99 QuickCare evaluation is often less than a plan's telehealth copay, and far less than the full allowed amount you pay while a deductible is unmet. For a routine refill evaluation or a lab review, running it through insurance can genuinely cost you more and take longer.
For larger services — imaging, specialist referral, hospital care — coverage matters enormously, and that is exactly where you should use it. Choose per service, not by habit.
Consider using insurance for
- Larger services where coverage changes the number substantially
- Care that ties into an existing in-network treatment plan
- Situations where your plan has a low, known telehealth copay
Consider self-pay for
- Routine refill evaluations and documentation after an evaluation
- Lab result review and simple follow-ups
- High-deductible plans where you pay the full allowed amount anyway
- Any time you want to know the price before the visit
We do not publish a list of accepted plans and we do not describe any carrier as accepted until participation is confirmed for your situation.
Questions people ask
Do you accept insurance?
Participating commercial insurance may be available for eligible services. Because plans differ, participation and coverage are verified for your specific plan and visit before scheduling.
Which insurance companies do you take?
We do not publish a list. A carrier name does not determine your telehealth benefit — your specific plan does. Share your card details and we will check your situation.
Will I get a surprise bill?
That is what verification is for. If a service is self-pay for you, you are told the price before scheduling.
Can I use insurance for labs and imaging?
Sometimes, and sometimes cash pricing is lower. Ask for both numbers before the order is placed.
Is a membership a substitute for insurance?
No. A Presence membership is not health insurance and does not replace hospital, specialist or catastrophic coverage.
About this information
Written by the Presence care team for patients considering care with us. Presence care is delivered by licensed providers, including a board-certified Adult-Gerontology Primary Care Nurse Practitioner — not by a physician, and not by software. Meet your provider.
This page explains how our service works. It is general information, not a diagnosis, and it is not a substitute for an evaluation of your own situation. Whether testing, treatment or a prescription is appropriate is decided during a visit.
If this is an emergency — chest pain, trouble breathing, stroke symptoms, severe bleeding, or thoughts of harming yourself — call 911 or go to the nearest emergency department. See our emergency care notice.
Check before you schedule
Have your plan verified for the visit you want, or use published self-pay pricing from $19.99.