Medicare telehealth coverage: what you can do from home

Which Medicare services can be delivered by video or phone, the permanent rules for behavioral health, and what you pay for a telehealth visit.

Medicare expanded telehealth during the pandemic. Some flexibilities were extended by Congress for limited periods, so rules can change.

Permanently allowed

• Behavioral and mental health visits from home, including audio-only in some cases.
• Telehealth for substance use disorder treatment.
• Monthly ESRD home dialysis visits.

What you pay

The same as an in-person visit: usually 20% of the approved amount after the Part B deductible.

Medicare Advantage

Many Advantage plans offer broader telehealth benefits and lower copays. Compare in Medigap vs Medicare Advantage.

Check before you book

Ask the provider whether the visit will be billed as telehealth and whether they accept Medicare assignment.

Questions people ask

Does Medicare cover telehealth?

Yes for many services; some rules depend on temporary extensions.

Is mental health telehealth permanent?

Yes, behavioral health telehealth from home is permanently allowed.

What does a telehealth visit cost?

Usually the same as in person, 20% after the deductible.

Do MA plans offer more telehealth?

Many do.

Independent educational site. Not affiliated with or endorsed by the U.S. government, the federal Medicare program, or any insurance company. Figures are 2026 amounts published by CMS unless noted; check Medicare.gov for your situation.