The short answer: A telehealth visit is a doctor visit by video or phone. To set one up, most people activate their doctor's patient portal, check that their device camera and microphone work, and run a test call. Medicare's website says Medicare covers telehealth from anywhere in the U.S., including your home, through December 31, 2027. The rules have changed several times, so check with your provider.
This guide explains general information in plain language. It is not medical advice. For advice about your own health, talk to your doctor or another licensed professional.
Why Many Floridians Use Virtual Visits
A drive to a clinic can mean heavy traffic, summer heat and long waits. Telehealth lets some visits happen from a chair at home. Many people use it for follow-ups, medication reviews and some specialist visits.
Telehealth does not fit every visit. Some care needs an in-person exam or tests. Your doctor decides which visits can be done virtually. For more on senior-friendly tech, see our guide on technology and senior independence.
What Medicare Covers (and Why It Keeps Changing)
Medicare telehealth rules were loosened during the COVID-19 emergency. Since then, Congress has extended them in short steps more than once. That is why older articles may give different dates.
Here is what Medicare.gov says today:
- Medicare Part B covers certain telehealth services.
- Through December 31, 2027, Medicare covers telehealth you can get from anywhere in the U.S., including your home.
- After you meet the Part B deductible, you pay 20% of the Medicare-approved amount. For most telehealth services, the cost is the same as for in-person care.
- Outpatient psychotherapy is listed as a covered telehealth service.
- Medicare Advantage plans may offer more telehealth benefits than Original Medicare.
Some rules, such as those for mental health visits, have extra details that may change. Federal rule-making is still going on. Ask your provider and your plan what is covered now, what each visit will cost, and whether phone-only visits count. You can also call 1-800-MEDICARE (1-800-633-4227).
To understand your plan choices, read our guide to Medicare options in Florida.
Who Can Treat You by Telehealth in Florida
Florida has a telehealth law, Section 456.47 of the Florida Statutes. In plain terms, it says:
- Telehealth can be provided by health care professionals licensed in Florida.
- Providers licensed under a multistate compact that Florida has joined can also provide it.
- Out-of-state professionals can register with the state to treat Florida patients by telehealth. They must meet conditions, such as holding an active license elsewhere and carrying liability coverage.
- Telehealth care must meet the same standard of care as in-person care. Records must be kept private.
- Some limits apply to prescribing certain controlled drugs by telehealth.
The law treats the care as happening where the patient is located. If you are unsure about a provider's license, ask the provider, or ask the Florida Department of Health.
Setting Up a Patient Portal
A patient portal is a secure website or app from your doctor's office or hospital. Many Florida health systems use one called MyChart, which is made by a company named Epic. Others use different portals, but the steps are alike. Your own provider's help page is the best guide.
Step 1: Get an activation code
- Ask the front desk for a portal activation code, or look for one on your visit paperwork.
- Go to your provider's MyChart or portal sign-in page.
- Choose "Sign up" or "Activate account." Type in the code, your birth date and other details asked.
- Pick a username and a strong password. Write them down and keep them in a safe place at home.
- Turn on two-step sign-in if offered. It sends a code to your phone or email each time.
Codes can expire after a set time. The time varies by health system. If yours stops working, call the office for a new one.
Step 2: Add a family caregiver (proxy access)
Many portals let an adult child or caregiver see your records or help with visits. This is often called "proxy access." Each health system sets its own steps. Some let the patient grant access online. Others use a paper form. Some may ask for legal papers, such as a power of attorney. See one example from Baptist Health's proxy access page, then check your own provider's rules.
Proxy access is your choice. Ask your provider what the caregiver will be able to see before you agree.
Step 3: Check the device
- Use a phone, tablet or computer with a working camera, microphone and speaker.
- Download the portal or video app your provider names. Use only the app store on your device.
- When the app asks to use your camera and microphone, choose "Allow." Without this, the doctor cannot see or hear you.
- Plug in the device or charge it fully.
- Connect to Wi-Fi if you can.
Step 4: Do a test call
Many providers offer a test call or a tech-help phone number. Ask the office when you book. A short test a day or two ahead leaves time to fix problems.
Getting Ready for the Visit
- Sit in good light. Face a window or lamp so the doctor can see you.
- Prop the device up. Set it on a stable stand or stack of books at eye level.
- Find a quiet spot. Turn off the TV.
- Have your papers ready. Gather medicine bottles, recent blood pressure or blood sugar readings, your Medicare card and a list of questions.
- Plan for hearing. If you wear hearing aids, ask the office about captions, headphones or other options. Some devices also pair with hearing aids by Bluetooth.
- Ask a helper to sit with you. A family member can join in the room or by video if you agree.
Join a few minutes early. If the call drops, wait briefly, then call the office number from your appointment reminder.
Privacy and Scam Safety
- Use your private home Wi-Fi, not free public Wi-Fi.
- Do not share your portal password with anyone who contacts you first.
- Be careful with texts or emails that claim to be your doctor and ask for your Medicare number or a payment. Contact the office using a number you already trust.
- Close the video window when you finish.
Learn more in our scam alert on tech support and Medicare scams.
Help Paying for Internet and Devices
The Affordable Connectivity Program (ACP), which once helped with internet bills, has ended. It is no longer taking applicants.
The federal Lifeline program still exists. The FCC says it gives eligible subscribers up to $9.25 per month off qualifying broadband or bundled service. Voice-only service gets up to $5.25. Eligibility is checked through a national system. People in programs such as Medicaid or SNAP may qualify, and income can also count. Only one Lifeline discount is allowed per household. You can reach the FCC at 1-888-225-5322.
Your local library may offer free Wi-Fi, computer time and help with phones or tablets. Call ahead to ask. Senior centers may also offer technology classes. Call the Elder Helpline to find local ones.
To learn about other health supports, see our pages on senior health programs in Florida and free Medicare help from SHINE.
Where to Get Free Help
- 1-800-MEDICARE (1-800-633-4227): questions about what Medicare covers.
- Florida Elder Helpline, 1-800-96-ELDER (1-800-963-5337): local senior services and referrals.
- SHINE (Serving Health Insurance Needs of Elders): free Medicare counseling. Call the same Elder Helpline number.
- Your provider's office: ask about portal help and test calls.
- FCC, 1-888-225-5322: questions about Lifeline.
Disclaimer: This article is for informational purposes only and does not constitute medical, financial, or legal advice. Readers should consult a qualified healthcare provider for medical concerns, a financial advisor for financial planning, and an attorney for legal matters. The resources and programs mentioned are subject to eligibility requirements and availability, which may vary. While we strive for accuracy, the information provided may not reflect the most recent updates. Always verify details with official sources or professionals before making decisions based on this content.