Telemedicine
The policy for care delivered remotely. It is not automatically included and the exposure is not the same as in-person care, because the practitioner cannot examine, the record is different and the state where the patient sits may not be the state where you are licensed.
The claim that actually happens
A remote consultation leads to a prescription and a bad outcome
The clinical question is whether remote assessment was adequate. The regulatory question is whether you were licensed where the patient was sitting. The second one is often the harder problem and it is entirely administrative.
What it responds to
- Care delivered by video, phone or asynchronous message
- Remote prescribing within declared scope
- Cross-state delivery where licensure is in place
- Defense costs including licensing board matters
What people assume it covers, and it does not
- Care delivered in a state where you are not licensed
- Prescribing outside your declared scope
- Platform failure or data breach, which is cyber
Who usually does not have this
Any practice that started remote intake during 2020 and never declared it. It is now normal operating practice and frequently still undeclared.