Anthem Telehealth Coverage and Fees: CARES Act Has Not Been Extended

Got an email from my company this morning saying that "Starting January 1, 2025, telehealth services under the Anthem Core Plan and Anthem HSA Plus Plan will have fees. These fees will count towards your deductible and out-of-pocket maximum." which is due to the CARES act not getting extended.

My wife recently had a telehealth appt with Live Health Online for a prescription refill. It was mental health medication so she saw a psychiatrist or maybe nurse practitioner, im unsure. We did not have a bill and was told the cost was $0.

After I saw the email I went to my Anthem benefits page and im confused on its telehealth coverage as it provides two options:

Online visits (Telehealth) – In Network, Coinsurance 20%, Deductible applies
-Category: Online Visits (Telehealth), After your deductible is met, the benefit is covered at 20% Coinsurance of the allowed amount.

Online Wellness – In Network, Coinsurance 0%, Deductible does not apply
-Category: Online Visits (Telehealth), Service Notes: Telehealth vendor is LiveHealth Online, Includes Lactation Consultation, This benefit is fully covered by your plan and you pay $0.

What is the difference between the these two option and how can I continue to have it fully covered?

submitted by /u/Secret_Blueberry_740
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