The document summarizes telehealth and telemedicine services covered by major US health insurers and government programs. It provides definitions of telehealth and telemedicine. It describes Medicare and Medicaid coverage of telehealth being on par with in-person visits. It also outlines 4 case studies of telehealth programs: Wellpoint's program with American Well, Highmark's program with Teladoc, Cigna's program with MDLive, and Aetna's program with Consult A Doctor (now owned by Teladoc). The case studies describe the insurers, telehealth vendors, costs and services provided to members.