Starting Jan. 31, 2026, Medicare will impose strict limits on telehealth coverage, ending broad access granted since 2020. Coverage will be restricted to behavioral health services, rural beneficiaries, telehealth visits at medical facilities, home dialysis for End-Stage Renal Disease, and acute stroke care. Most retirees will lose telehealth coverage and may need to pay out-of-pocket or consider Medicare Advantage plans with telehealth benefits.
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