Many insurers have made voluntary changes to their telemedicine policies during the pandemic (for example, expanding the availability of virtual services and reducing or eliminating cost sharing). Under normal (non-crisis) circumstances, whether your private insurance covers virtual visits and other telemedicine services depends in part on state law. Generally, in any of the dozens of states with “parity” laws, any healthcare provider eligible for payment by your insurance for an in-person visit would also receive payment for a virtual visit.