Here is an a small amount of information I have accumulated as excerpt of information for the state of TX.
"Sec. 1455.004. COVERAGE FOR TELEMEDICINE MEDICAL SERVICES AND TELEHEALTH SERVICES. (a) A health benefit plan may not exclude from coverage a covered health care service or procedure delivered by a preferred or contracted health professional to a covered patient as a telemedicine medical service or a telehealth service solely because the covered health care service or procedure is not provided through an in-person consultation.
(b) A health benefit plan may require a deductible, a copayment, or coinsurance for a covered health care service or procedure delivered by a preferred or contracted health professional to a covered patient as a telemedicine medical service or a telehealth service. The amount of the deductible, copayment, or coinsurance may not exceed the amount of the deductible, copayment, or coinsurance required for the covered health care service or procedure provided through an in-person consultation.
(c) Notwithstanding Subsection (a), a health benefit plan is not required to provide coverage for a telemedicine medical service or a telehealth service provided by only synchronous or asynchronous audio interaction, including:
(1) an audio-only telephone consultation;
(2) a text-only e-mail message; or
(3) a facsimile transmission. "
https://statutes.capitol.texas.gov/D...tm/IN.1455.htm
When I researched this for my own child a few months ago , I was told by our health insurance (BCBSTX), that telehealth is covered (with a $25.00 copay) if we use one of their telehealth doctors. We could use our own doctor for telehealth, but the fee is $200.00 (99285), $150 (99284) etc......regardless of the fact she has meet her maximum annual out of pocket. Telehealth is an exception to the annual maximum out of pocket limits for our insurance. Her doc's cash telehealth price was $200.00 for the 99285 visit, so I passed on bothering with a claim. BTW, they did state that not all BCBSTX plans covered telehealth.
I am not sure based on my research that there is an "easy" way to make a guide given that the information seems to be state, insurance company AND group driven. It took me 90 min on the phone with my own insurance company to piece the above paragraph of information, and about a week of digging through many sources to find Texas rules on the subject.
Someone may do it someday, but I did not find one a few months ago.