The UpTake has a useful article on the how-tos and some of the whys of telehealth policy during/because of COVID. It might be helpful to folks you know (or you) but also I think it’s helpful as a policymaker or community leader to think about telehealth from the perspective of the patient or provider.
How does insurance coverage for telehealth work in Minnesota since the pandemic…
Minnesota has been following the federal recommendations for COVID-19 emergency telehealth coverage since March 2020, including requiring that insurers cover telehealth sessions at the same rate as in-person appointments. At the time this article is written, clients’ homes are still considered an appropriate originating site for telehealth appointments.
This means that your insurance company should continue to cover your telehealth sessions at this time, and you would have the same out-of-pocket expense as if you had come to the office in person. It also means that your insurance will not require you to travel to an approved originating site.
Currently, Minnesota’s emergency telehealth coverage is tied to the federal state of emergency. Coverage is ongoing, as the pandemic is ongoing. States that have made changes to these policies have given a minimum of 30 days notice, and providers have a responsibility to be attentive to these regulations. As changes occur, providers will give their clients as much notice as possible about how this might impact their treatment and options for services.
How does it work for telehealth work for providers…
The state of Minnesota requires that clinicians submit a statement indicating that they are qualified to provide telehealth services. This is something that clients do not need to do, and the therapist has the responsibility to take this step prior to providing telehealth services.
What if my provider is not in MN…
Since before the pandemic began, licensure requirements for mental health professionals have been based on the client’s physical location at the time of service. This means, as a therapist, I must be licensed where my client is when they check in for a telehealth session.
Previously, Minnesota had allowed out-of-state providers to offer telehealth services to Minnesota residents due to the COVID-19 state of emergency. This has been important for those living near boarders who had received in-person services in another state but now needed to be seen from home for safety reasons. However, this reciprocity is no longer in effect.
This means that providers in South Dakota, North Dakota, Iowa, and Wisconsin now need their clients to either come in person to the office or use an approved originating site across the border based on that state’s guidelines.
How can I get the services I need…
If you are uninsured, Walk-In Counseling Center continues to offer telehealth services in Minnesota, and Open Path Collective offers a national therapist directory to help individuals find low-cost therapy services.
If you have insurance, you can reach out to your insurance company to see which Minnesota providers are paneled with your plan. You can ask questions about which services are covered and whether you have to meet a deductible or will have a copay for each visit.