Telehealth has become an important way for older adults to get care without traveling, and Medicare covers many virtual services. Because the rules have changed over time and can depend on the service, it is worth understanding the basics. Here is what to know about Medicare and telehealth in 2026.
What Medicare may cover
Medicare covers a range of telehealth services, which can include virtual visits with doctors and certain other providers, as well as some mental-health services delivered remotely. The specific services covered can depend on current policy and the type of provider.
How costs work
For covered telehealth under Original Medicare, you generally pay the same kind of cost-sharing as for comparable in-person care, such as the Part B coinsurance after your deductible. A Medicare Advantage plan may handle telehealth differently and sometimes offers additional virtual benefits.
Medicare Advantage and telehealth
Many Medicare Advantage plans include telehealth benefits, sometimes broader than Original Medicare. If you have an Advantage plan, check your plan materials or call the plan to learn exactly which virtual services are covered and what you will pay.
Mental-health visits
Medicare has expanded coverage of mental-health services delivered by telehealth. If you are seeking virtual therapy or psychiatric care, confirm the current rules and which providers are covered, since this is an area that has evolved.
Confirming current rules
Because telehealth policy has changed over the years, the most reliable step is to confirm current coverage before your visit. Check the official Medicare resources or call Medicare or your plan to verify what is covered and what your share will be.
How to confirm Medicare telehealth coverage
Check your specific situation before a visit: confirm the service is covered, learn your cost-sharing, and ask your Medicare Advantage plan about extra virtual benefits. The official Medicare.gov telehealth page explains current coverage, and general guidance is at Telehealth.HHS.gov.
Disclaimer
This article is for general informational purposes only and is not medical advice. Telehealth is not a substitute for emergency care; if you have a medical emergency, call 911. Service availability, insurance acceptance, and pricing vary by state and change over time, so verify current details directly with the provider.
Final thoughts
Medicare covers many telehealth services in 2026, but the specifics can depend on the service, your provider, and current policy. Confirm coverage and your costs before a visit through official Medicare resources or your plan, so you know what to expect from virtual care.