Most insurance plans have benefits for virtual encounters, and often only need to update with the 95 modifier for commercial plans.
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).