Short answer: many — but not all — health plans include virtual health services. Whether a plan does, and exactly what it covers, depends on the insurer, the plan type and your country/region. Key points:

Which plan types commonly include virtual care

• Employer-sponsored (group) health plans: most large employers include telehealth/virtual GP and specialist consults.
• Individual/family private plans (including ACA/marketplace plans in the US): many include some form of virtual visits.
• Medicare Advantage (US): most MA plans offer telehealth benefits beyond traditional Medicare.
• Medicaid (US): many state Medicaid programs and Medicaid managed-care plans cover telehealth (varies by state).
• Private/ancillary plans: many insurers offer standalone telehealth subscriptions or add-ons.
• National health systems: many public systems (and their local plans) now provide virtual consultations or e-prescribing services.
• Commercial private health insurers in Australia and other countries: major providers commonly offer telehealth via their networks or partner apps (coverage and access vary by policy).

Typical virtual services included

• Real‑time video or phone consults with GPs and some specialists.
• On‑demand urgent care/triage.
• Mental health/therapy sessions.
• Chronic‑condition remote monitoring and follow‑up.
• ePrescriptions and electronic referrals.
• Symptom checker and nurse‑line apps.

What you should do to confirm coverage

1. Check the plan benefits summary or policy schedule — look for “telehealth”, “telemedicine”, “virtual care” or “online consults.”
2. Contact your insurer’s member services and ask: Do I have access to virtual GP/telehealth? Any limits, copayments or excluded services? Which app or provider network do I use?
3. If you have employer coverage, ask HR/benefits for details and the approved telehealth vendors.
4. For Medicare/Medicaid or public systems, check official program guidance for your state/country.

If you want, tell me your country and the insurer or plan name and I’ll check whether that specific plan includes virtual health services and what’s covered.