As we age, managing healthcare becomes a daily priority. Fortunately, e-health (electronic healthcare) has emerged as a powerful solution for seniors, bridging the gap between patients and providers through technology.

For beneficiaries, understanding how Medicare covers these digital services is critical. This guide reviews the intersection of Medicare and digital health—from the 2026 telehealth extensions to the coverage of wearable devices—helping you leverage technology for better health outcomes.

Quick Summary: What You Need to Know

• Telehealth Status: Medicare telehealth flexibilities have been extended through December 31, 2027.
• Wearable Coverage: Original Medicare covers medically necessary remote monitoring devices (like heart monitors) but generally not consumer fitness trackers (like Apple Watches).
• Digital Records: Medicare’s “Blue Button” initiative allows you to share your medical history securely with new doctors.

1. Telehealth: The Virtual Doctor Visit

Telehealth refers to the use of telecommunications technology—such as video conferencing or audio-only phone calls—to deliver healthcare services remotely. This is a game-changer for seniors with mobility issues or those living in rural areas.

Current Medicare Coverage (2026 Update)

Following the signing of the Consolidated Appropriations Act, 2026 in February, major telehealth flexibilities have been extended through the end of 2027.

What Medicare Part B Covers:

• Virtual Check-ins: Brief communications with your doctor to decide if an in-person visit is needed.
• Full Telehealth Visits: Doctor visits performed over video or phone that are treated the same as in-person visits.
• Audio-Only Visits: Coverage for mental health and medical visits via standard telephone if you do not have video capability.
• No Geographic Limits: You can receive telehealth services from your home, regardless of where you live (rural or urban).

Note: For most telehealth services, you will pay the same 20% coinsurance and deductible as you would for an in-person visit.

2. Remote Patient Monitoring & Wearables

The rise of wearable technology has raised questions about what Medicare actually covers. It is important to distinguish between consumer gadgets and medical devices.

Does Medicare Cover Wearables?

• Original Medicare (Part B) generally does not cover consumer fitness trackers such as Fitbits, Apple Watches, or Oura rings.
• However, Part B covers Remote Patient Monitoring (RPM) devices when prescribed by your doctor. This includes medical-grade equipment that automatically sends data to your provider, such as:
  • Blood pressure cuffs
  • Cardiac monitors (Holter monitors)
  • Continuous Glucose Monitors (CGMs) for diabetics
  • Pulse oximeters

Medicare Advantage (Part C) “Extras”

If you have a private Medicare Advantage plan, check your specific benefits. Many Part C plans now offer “wellness allowances” or free fitness trackers as a perk to encourage healthy living, though this varies by insurance carrier.

3. The Power of Digital Health Records

Gone are the days of carrying physical folders of paperwork between specialists. Electronic Health Records (EHRs) ensure continuity of care.

How It Helps You

• Coordination: If you see a cardiologist and a primary care doctor, digital records allow them to see the same test results and medication lists, preventing dangerous drug interactions.
• Patient Access: Through Medicare’s Blue Button 2.0 initiative, you can download your own claims data and share it with apps or other doctors securely.
• Engagement: Most providers now offer “patient portals” where you can view lab results, schedule appointments, and email your doctor directly.

4. Cybersecurity: Protecting Your Health Data

As seniors increasingly rely on digital tools, cybersecurity is paramount. Your health data is valuable, and protecting it requires vigilance.

Best Practices for Seniors:

1. Avoid Public Wi-Fi: Never conduct a telehealth appointment or log into a medical portal while connected to public Wi-Fi (like at a coffee shop). Use your secure home network or cellular data.
2. Strong Passwords: Use unique passwords for your MyMedicare.gov account and provider portals.
3. Beware of Phishing: Medicare will never call you uninvited to ask for your Medicare Number or offer “free” medical equipment in exchange for your personal info.

Frequently Asked Questions (FAQ)

Q: Will Medicare stop paying for telehealth in 2026? A: No. Legislation enacted in early 2026 expanded telehealth coverage, allowing older adults to access remote care from their homes through December 31, 2027.

Q: Can I use FaceTime for a Medicare appointment? A: Yes, during the extension period, Medicare allows the use of everyday communication apps (like FaceTime or Zoom) for telehealth visits, provided the interaction is private and secure.

Q: Does Medicare pay for an Apple Watch? A: Original Medicare does not. However, some Medicare Advantage (Part C) plans may offer coverage or discounts for fitness trackers as part of their wellness benefits.

If you qualify for Medicare but don’t know where to start, we have licensed insurance agents ready to answer your questions and help you enroll in Final Expense, Medicare Advantage, Medicare Supplement Insurance, and Prescription PartD plans.