Most insurance plans have benefits for virtual encounters, and often only need to update with the 95 modifier for commercial plans.
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​Here is sample reimbursement guidance from United Healthcare. In general, we find that commercial plans reimburse for services recognized by the AMA in Appendix P of the CPT code manual.

Some payers are currently waiving out of pocket patient costs for virtual care to help increase access during the COVID-19 outbreak, and more details can be reviewed at America’s Health Insurance Plans (AHIP).