Comparing Telehealth Costs for Seniors: What to Expect in 2025

Telehealth is more affordable and accessible for seniors than ever before. But understanding the real costs—and how to maximize value—can help seniors and families make informed choices. Here’s a comprehensive guide to telehealth pricing in 2025.

What Determines Telehealth Costs?

• Type of Service: Urgent care visits tend to be less expensive than specialist consultations.
• Insurance Coverage: Medicare, Medicaid, and private plans all cover telehealth, but copays and deductibles vary.
• Provider Fees: Some platforms charge per visit, while others offer subscriptions or bundled packages.
• Location: State regulations and local provider rates can affect pricing.

Typical Telehealth Costs for Seniors in 2025

• Routine Primary Care Visit: $30–$60 with insurance; $75–$120 without
• Specialist Consultation: $50–$120 with insurance; $150–$250 without
• Mental Health Counseling: $40–$90 per session (many platforms offer sliding scales)
• Remote Monitoring: Often included with chronic care management programs

Provider Examples

• Teladoc: $0–$55 per visit with Medicare Advantage; $75 without insurance
• Amwell: $79 per urgent care visit; specialist rates vary
• Doctor On Demand: $75–$129 per visit (primary care); mental health $129–$179 (first visit)

Insurance & Medicare Coverage

• Medicare: Covers most telehealth services, including primary care, mental health, and some specialist visits. Copays often apply.
• Medicare Advantage: Many plans offer $0 copays for telehealth.
• Medicaid: Coverage varies by state but is expanding.
• Private Insurance: Most plans now include telehealth, but check for network restrictions.

How to Save on Telehealth

• Compare Platforms: Rates and coverage vary—shop around for the best value.
• Ask About Discounts: Many providers offer senior or bundled service discounts.
• Use In-Network Providers: Lower out-of-pocket costs and better coverage.
• Look for Sliding Scale Fees: Some platforms adjust pricing based on income.

Real-World Example

In 2024, a survey by the Kaiser Family Foundation found that seniors using Medicare Advantage saved an average of $120 per year by choosing telehealth over in-person visits for routine care.

Conclusion

Telehealth is an affordable, flexible option for seniors in 2025. By understanding the costs, insurance coverage, and available discounts, seniors can access high-quality virtual care without breaking the bank.

Sources:

• Kaiser Family Foundation
• Medicare Telehealth Coverage