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H 7278Health Insurance

Insurance - Telemedicine Coverage Act

This bill expands the legal definition of telemedicine to include audio-only telephone calls and online adaptive interviews.

Held for study
Population
Affected
65
Introduced Jan 23, 2026Committee House Health & Human Services

Plain-English Summary

This legislation updates the "Telemedicine Coverage Act" within Rhode Island's general laws. Specifically, it expands the legal definition of "telemedicine" to explicitly include "telephone-audio-only communications" and "online adaptive interviews." Previously, telemedicine definitions focused heavily on video or store-and-forward technologies. By making this change, the bill ensures that healthcare services provided strictly over a standard telephone call, without video capabilities, are recognized as valid telemedicine services for coverage and regulatory purposes.

For younger readers

This bill changes the rules about how doctors can help patients without seeing them in person. Before, "telemedicine" usually meant using a video chat on a computer or phone. Now, this law says that just talking on a regular telephone call counts as a doctor's visit, too. This helps people who might not have a smart phone or a computer with a camera still get medical help from their home.

Who & Where It Applies

Impacted groups
Healthcare ProvidersHealth InsurersMedicaid RecipientsElderly ResidentsRural Residents
Impacted communities
All

Constitutional & Fiscal Check

None Likely

Estimated cost
Amount unknown
Estimated revenue
None

Bill Analysis

Both viewpoints
For Progressives
  • Increases healthcare equity by ensuring that low-income individuals without access to high-speed internet or smartphones can still access remote medical care via standard telephones.
  • Improves accessibility for elderly and disabled populations who may find complex video-conferencing technology difficult to navigate but are comfortable using a telephone.
  • Strengthens the social safety net by ensuring that Medicaid recipients and others relying on state-regulated insurance have broader options for receiving medical advice and triage without transportation barriers.
  • May encourage insurance companies or providers to prioritize shorter, lower-quality audio-only interactions over more comprehensive in-person or video examinations to cut costs.
  • Does not mandate that insurers reimburse audio-only visits at the same rate as in-person visits in this specific text, potentially leading to a two-tiered system of care for the poor.
  • The inclusion of "online adaptive interviews" (often automated or AI-driven) could depersonalize care and reduce the amount of time patients spend interacting with actual human healthcare professionals.
For Conservatives
  • Reduces regulatory red tape by allowing healthcare providers to use widely available, standard technology (telephones) to treat patients without needing expensive proprietary software.
  • Promotes market efficiency by allowing medical issues to be resolved quickly over the phone, potentially reducing the strain on emergency rooms and physical clinics.
  • Supports personal freedom and choice by giving patients and doctors more flexibility to decide how they want to communicate without government definitions getting in the way.
  • Could lead to increased fraud and abuse in government-funded programs like Medicaid, as audio-only calls are harder to verify than video or in-person visits.
  • May increase overall government healthcare spending if the ease of "audio-only" visits leads to a massive spike in utilization and billing for minor issues.
  • Risks eroding the traditional standards of medical practice by validating lower-fidelity interactions as equivalent to comprehensive medical care.

Votes

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Full Bill Text

Changes to existing Rhode Island law · 5 additions

SECTION 1. Section 27-81-3 of the General Laws in Chapter 27-81 entitled "Telemedicine Coverage Act" is hereby amended to read as follows: 27-81-3. Definitions. As used in this chapter:

(1) “Clinically appropriate” means care that is delivered in the appropriate medical setting.

(2) “Distant site” means a site at which a healthcare provider is located while providing healthcare services by means of telemedicine.

(3) “Healthcare facility” means an institution providing healthcare services or a healthcare setting, including, but not limited to: hospitals and other licensed inpatient centers; ambulatory surgical or treatment centers; skilled nursing centers; residential treatment centers; diagnostic, laboratory and imaging centers; and rehabilitation and other therapeutic health settings.

(4) “Healthcare professional” means a physician or other healthcare practitioner licensed, accredited, or certified to perform specified healthcare services consistent with state law.

(5) “Healthcare provider” means a healthcare professional or a healthcare facility.

(6) “Healthcare services” means any services included in the furnishing to any individual of medical, podiatric, or dental care, or hospitalization, or incident to the furnishing of that care or hospitalization, and the furnishing to any person of any and all other services for the purpose of preventing, alleviating, curing, or healing human illness, injury, or physical disability.

(7) “Health insurer” means any person, firm, or corporation offering and/or insuring healthcare services on a prepaid basis, including, but not limited to, a nonprofit service corporation, a health maintenance organization, the Rhode Island Medicaid program, including its contracted managed care entities, or an entity offering a policy of accident and sickness insurance.

(8) “Health maintenance organization” means a health maintenance organization as defined in chapter 41 of this title.

(9) “Medically necessary” means medical, surgical, or other services required for the prevention, diagnosis, cure, or treatment of a health-related condition, including services necessary to prevent a decremental change in either medical or mental health status.

(10) “Nonprofit service corporation” means a nonprofit hospital service corporation as defined in chapter 19 of this title, or a nonprofit medical service corporation as defined in chapter 20 of this title.

(11) “Originating site” means a site at which a patient is located at the time healthcare services are provided to them by means of telemedicine, which can include a patient’s home where medically necessary and clinically appropriate.

(12) “Policy of accident and sickness insurance” means a policy of accident and sickness insurance as defined in chapter 18 of this title.

(13) “Rhode Island Medicaid program” means a state-administered, medical assistance program that is funded by the state and federal governments under Title XIX and Title XXI of the U.S. Social Security Act and any general or public laws and administered by the executive office of health and human services.

(14) “Store-and-forward technology” means the technology used to enable the transmission of a patient’s medical information from an originating site to the healthcare provider at the distant site without the patient being present.

(15) “Telemedicine” means the delivery of clinical healthcare services consistent with the standard of care by use of store-and-forward technology; real time, two-way synchronous audio, video, telephone-audio-only communications; or electronic media or other telecommunications technology including, but not limited to: online adaptive interviews, remote patient monitoring devices, audiovisual communications, including the application of secure video conferencing or store-and-forward technology to provide or support healthcare delivery, which facilitate assessment, diagnosis, counseling and prescribing treatment, and care management of a patient’s health care while such patient is at an originating site and the healthcare provider is at a distant site, consistent with applicable federal laws and regulations. “Telemedicine” does not include an email message or facsimile transmission between the provider and patient, or an automated computer program used to diagnose and/or treat ocular or refractive conditions.

SECTION 2. This act shall take effect upon passage.