---
title: "Telehealth Insurance in the District of Columbia"
description: "DC applies in-person professional standards to telehealth and limits when an unlicensed out-of-state clinician can treat a patient located in the District."
canonical: "https://spot.insure/coverage/virtual-care-telehealth/district-of-columbia"
page-type: "coverage-state-guide"
updated-at: "2026-09-28"
---

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# Telehealth Insurance in the District of Columbia

A DC-licensed health professional may use telehealth only within authorized scope and the applicable DC standard of care. An out-of-state practitioner with an existing patient relationship may serve someone temporarily in DC or a DC resident for up to 120 days, subject to compact and reciprocity rules.[^1][^3]

**Coverage:** [Virtual care and telehealth](/coverage/virtual-care-telehealth) · [District of Columbia](/coverage/states/district-of-columbia)

## What Is Virtual Care And Telehealth?

Telehealth liability can cover claims arising from remote health care, such as a video visit or remote monitoring. If you provide care online, match the quote to your clinicians, services and patient locations; cyber and in-person risks need separate review. [Read the national Virtual care and telehealth guide](/coverage/virtual-care-telehealth).

## What to Watch for in District of Columbia

### A Patient in DC Can Trigger DC Rules

DC law applies when the patient is physically in the District. An unlicensed out-of-state practitioner may provide telehealth only with an existing patient relationship when the patient is temporarily in DC or is a DC resident receiving no more than 120 days of service, unless the Mayor sets a longer period; interstate compacts and reciprocity are preserved. Record DC patient locations and confirm each clinician’s route before asking for coverage.[^1][^3]

### Telehealth Keeps In-Person Practice Duties

DC requires the same standard of care as a comparable in-person service and applies the profession’s identity-verification, documentation, consent, confidentiality, privacy, and security rules. The Mayor may also require an initial in-person exam for particular professions. Ask which DC credential classes and care modalities the proposal names.[^1]

### Credential Rules Depend on the Occupation

DC's telehealth exception does not create a general license for every health occupation: § 3-1201.05 applies to DC-licensed, registered, or certified health professionals, while Title 3 separately lists professions requiring each credential. Ask the broker to identify the actual professional classes, insured entities, and DC patient work on the application.[^2][^1]

## Who Regulates Insurance in District of Columbia

**District of Columbia Department of Insurance, Securities and Banking.** DISB licenses and supervises insurance companies and producers, enforces District insurance laws, and provides consumer complaint assistance. Its licensing search covers insurance entities and representatives; consumers can contact the agency’s complaints unit for help.[^5][^6][^8]

- [Regulator website](https://disb.dc.gov/)
- [License lookup](https://disb.dc.gov/service/verify-financial-institution-or-representative-licensed-disb)
- [File a complaint](https://disb.dc.gov/service/file-complaint-or-report-fraud)
- Phone: (202) 727-8000

### Surplus-Lines Tax and Stamping Office

**Reported tax rate:** Generally 2% of gross premium, including qualifying placement fees When the District is the insured’s home state, surplus-lines agents and brokers generally owe a 2% tax on gross premium, including necessary fees incidental to placement when separately itemized. An agent or broker procuring insurance on behalf of the District government is exempt for that government business; claiming the exemption requires identifying its allocation in the required affidavit and does not waive other statutory duties. Ask the broker which taxes and fees your agreement passes through to you. DISB generally requires a diligent effort to place risks with authorized insurers. For a purchaser meeting the federal exempt-commercial-purchaser definition, the broker may skip that search only after disclosing that insurance may or may not be available from the admitted market, which may provide greater protection with more regulatory oversight, followed by the purchaser’s written request for nonadmitted placement. This record does not state a District-specific guaranty-fund conclusion.[^7][^9][^10][^11][^4]

## Providers With Documented State Licenses

No provider in Spot’s research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. [Check the regulator’s license lookup](https://disb.dc.gov/service/verify-financial-institution-or-representative-licensed-disb) and confirm availability with a provider when requesting a quote.

## Questions to Ask Before You Buy in District of Columbia

1. Which clinicians may rely on a compact, reciprocity rule, or the 120-day existing-relationship exception for DC patients?
2. Does the quote schedule each DC-licensed occupation and the actual services delivered remotely?
3. Which DC patient-location, consent, identity, documentation, and possible in-person-exam steps does our workflow need to show?

## Virtual Care And Telehealth in District of Columbia: FAQ

### Can an out-of-state clinician treat a patient located in DC without a DC credential?

Only in limited circumstances under DC’s telehealth law: an existing patient relationship plus temporary presence or treatment of a DC resident for up to 120 days, subject to any longer Mayor-set period and preserved compact rules.[^1]

### Does DC use a different professional standard for telehealth?

No. A telehealth professional must meet the standard applicable to a comparable in-person service, and ordinary professional rules for consent, identity, records, privacy, and security still apply.[^1]

## Virtual Care And Telehealth in Other States

- [Alabama](/coverage/virtual-care-telehealth/alabama)
- [Alaska](/coverage/virtual-care-telehealth/alaska)
- [Arizona](/coverage/virtual-care-telehealth/arizona)
- [Arkansas](/coverage/virtual-care-telehealth/arkansas)
- [California](/coverage/virtual-care-telehealth/california)
- [Colorado](/coverage/virtual-care-telehealth/colorado)
- [Connecticut](/coverage/virtual-care-telehealth/connecticut)
- [Delaware](/coverage/virtual-care-telehealth/delaware)
- [Florida](/coverage/virtual-care-telehealth/florida)
- [Georgia](/coverage/virtual-care-telehealth/georgia)
- [Hawaii](/coverage/virtual-care-telehealth/hawaii)
- [Idaho](/coverage/virtual-care-telehealth/idaho)
- [Illinois](/coverage/virtual-care-telehealth/illinois)
- [Indiana](/coverage/virtual-care-telehealth/indiana)
- [Iowa](/coverage/virtual-care-telehealth/iowa)
- [Kansas](/coverage/virtual-care-telehealth/kansas)
- [Kentucky](/coverage/virtual-care-telehealth/kentucky)
- [Louisiana](/coverage/virtual-care-telehealth/louisiana)
- [Maine](/coverage/virtual-care-telehealth/maine)
- [Maryland](/coverage/virtual-care-telehealth/maryland)
- [Massachusetts](/coverage/virtual-care-telehealth/massachusetts)
- [Michigan](/coverage/virtual-care-telehealth/michigan)
- [Minnesota](/coverage/virtual-care-telehealth/minnesota)
- [Mississippi](/coverage/virtual-care-telehealth/mississippi)
- [Missouri](/coverage/virtual-care-telehealth/missouri)
- [Montana](/coverage/virtual-care-telehealth/montana)
- [Nebraska](/coverage/virtual-care-telehealth/nebraska)
- [Nevada](/coverage/virtual-care-telehealth/nevada)
- [New Hampshire](/coverage/virtual-care-telehealth/new-hampshire)
- [New Jersey](/coverage/virtual-care-telehealth/new-jersey)
- [New Mexico](/coverage/virtual-care-telehealth/new-mexico)
- [New York](/coverage/virtual-care-telehealth/new-york)
- [North Carolina](/coverage/virtual-care-telehealth/north-carolina)
- [North Dakota](/coverage/virtual-care-telehealth/north-dakota)
- [Ohio](/coverage/virtual-care-telehealth/ohio)
- [Oklahoma](/coverage/virtual-care-telehealth/oklahoma)
- [Oregon](/coverage/virtual-care-telehealth/oregon)
- [Pennsylvania](/coverage/virtual-care-telehealth/pennsylvania)
- [Rhode Island](/coverage/virtual-care-telehealth/rhode-island)
- [South Carolina](/coverage/virtual-care-telehealth/south-carolina)
- [South Dakota](/coverage/virtual-care-telehealth/south-dakota)
- [Tennessee](/coverage/virtual-care-telehealth/tennessee)
- [Texas](/coverage/virtual-care-telehealth/texas)
- [Utah](/coverage/virtual-care-telehealth/utah)
- [Vermont](/coverage/virtual-care-telehealth/vermont)
- [Virginia](/coverage/virtual-care-telehealth/virginia)
- [Washington](/coverage/virtual-care-telehealth/washington)
- [West Virginia](/coverage/virtual-care-telehealth/west-virginia)
- [Wisconsin](/coverage/virtual-care-telehealth/wisconsin)
- [Wyoming](/coverage/virtual-care-telehealth/wyoming)

[Other Coverage in District of Columbia](/coverage/states/district-of-columbia)

## Sources

[^1]: [D.C. Code §3-1201.05, Telehealth](https://code.dccouncil.gov/us/dc/council/code/sections/3-1201.05) — D.C. Council, Office of the General Counsel; Subsections (a)–(f); effective as added July 19, 2024; scope, standard of care, location, 120-day and compact rules. Accessed 2026-09-28.
[^2]: [D.C. Code §3-1205.01, License, Registration, Certification, or Approval Required](https://code.dccouncil.gov/us/dc/council/code/sections/3-1205.01) — D.C. Council, Office of the General Counsel; D.C. Code § 3-1205.01(a)–(b), occupations requiring license, registration, or certification. Accessed 2026-09-28.
[^3]: [D.C. Code §3-1205.02, Exemptions](https://code.dccouncil.gov/us/dc/council/code/sections/3-1205.02) — D.C. Council, Office of the General Counsel; D.C. Code § 3-1205.02(a)(1), (3)–(4), emergency, temporary-patient/consultation, and adjoining-state exceptions; read alongside § 3-1201.05. Accessed 2026-09-28.
[^4]: [D.C. Code §31–2502.40: License to procure policies from unauthorized companies](https://code.dccouncil.gov/us/dc/council/code/sections/31-2502.40) — Council of the District of Columbia; Subsection (a): broker/agent tax and diligent effort; (c)(1)–(3): District-government procurement tax exemption, allocation statement and continuing duties. Accessed 2026-09-28.
[^5]: [Department of Insurance, Securities and Banking](https://disb.dc.gov/) — District of Columbia DISB; Official insurance regulator homepage. Accessed 2026-09-28.
[^6]: [Verify a Financial Institution or Representative Licensed with DISB](https://disb.dc.gov/service/verify-financial-institution-or-representative-licensed-disb) — District of Columbia DISB; Official license verification for companies and representatives. Accessed 2026-09-28.
[^7]: [Surplus Line Information](https://disb.dc.gov/page/surplus-line-information) — District of Columbia DISB; Current 2% tax base including incidental placement fees; fees must be necessary and separately itemized; diligent-effort rule. Accessed 2026-09-28.
[^8]: [File a Complaint or Report Fraud](https://disb.dc.gov/service/file-complaint-or-report-fraud) — District of Columbia DISB; Official insurance complaint information and filing form. Accessed 2026-09-28.
[^9]: [15 U.S.C. §8201: Reporting, payment, and allocation of premium taxes](https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-section8201) — U.S. House of Representatives, Office of the Law Revision Counsel; §8201(a): exclusive insured home-State authority to require nonadmitted premium tax; (c): separate allocation reporting. Accessed 2026-09-28.
[^10]: [15 U.S.C. § 8205: Streamlined application for commercial purchasers](https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-section8205) — U.S. House of Representatives, Office of the Law Revision Counsel; §8205(1)-(2): admitted-market disclosure about possible availability, greater protection and oversight followed by the qualified purchaser’s written request; eligibility separately defined in §8206(5). Accessed 2026-09-28.
[^11]: [15 U.S.C. §8206: Definitions](https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-section8206) — U.S. House of Representatives, Office of the Law Revision Counsel; §8206(5) exempt-commercial-purchaser criteria; (6) home State and affiliated-insured rules; (13) qualified risk manager. Accessed 2026-09-28.
[^12]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
[^13]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535.. Accessed 2026-09-22.
[^14]: [Insurance Producer Licenses](https://www.corgi.insure/broker-licenses) — Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown.. Accessed 2026-09-28.
[^15]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance) — Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
[^16]: [Licenses](https://www.nextinsurance.com/insurance-licenses/) — ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885.. Accessed 2026-09-28.
[^17]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number.. Accessed 2026-09-28.
[^18]: [Licenses](https://www.vouch.us/legal/licenses) — Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict.. Accessed 2026-09-15.

Updated 2026-09-28.

This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). To suggest a correction, [contact Spot](/contact) with a supporting source.

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