What Telehealth Insurance Requirements Apply in Mississippi?

Mississippi requires health plans to cover telemedicine to the same extent as comparable in-person consultation and caps patient cost-sharing at the in-person amount. Out-of-state physicians treating Mississippi patients are subject to a separate state medical-practice licensing framework, so confirm each clinician’s authority as well as the insurer’s telemedicine network conditions.

What Is Telehealth Insurance?

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.

What Should You Watch for With Telehealth Insurance in Mississippi?

Plans Must Cover Comparable Telemedicine Services
The Mississippi Insurance Department says health plans must cover telemedicine services to the same extent as if delivered in person, and patient cost-sharing cannot exceed the in-person amount. The state also permits plan-approved telemedicine networks; ask whether your practice participates in the network applicable to each payer. ¹
Out-of-State Physicians Face a Mississippi Practice Rule
Mississippi’s medical-practice law defines cross-border medicine to include diagnosis or treatment of a patient in the state by a physician located elsewhere. Confirm the clinician’s Mississippi authority or a specific statutory exception before marketing or delivering remote care to Mississippi patients. ²
Audio-Only Has a Relationship Condition
The Insurance Department states that a doctor-patient relationship is usually required before an audio-only telehealth visit. Ask the broker to describe audio-only and behavioral-health services separately and confirm your consent and relationship workflow follows the rule for the particular service. ¹

Which Telehealth Insurance Providers Have Mississippi License Records?

No provider in our research has both a state license record and a listing for this coverage line. This does not establish that providers are unlicensed. Check the regulator’s license lookup and confirm availability with a provider when requesting a quote.

Who Regulates Insurance in Mississippi?

Mississippi Insurance Department

The Mississippi Insurance Department licenses agents and companies, enforces state insurance laws, and investigates insurance complaints. You can use its state lookup or complaint service to check a license or raise an insurance issue. ^3,^4,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 800-562-2957

Surplus-Lines Tax and Stamping Office in Mississippi

Reported tax rate. 4% premium tax and 0.25% stamping fee on gross premium and policy fees when Mississippi is the insured's home state; MSLA says do not report if Mississippi is not the home state unless 100% of premium is allocated to Mississippi. A separate 3% MWUA fee applies to gross premium and policy fees except residential flood and earthquake. ^6,^7,^8,^9,¹⁰

For policies quoted or bound on or after July 1, 2017, Mississippi no longer requires a general diligent search before surplus-lines placement. If Mississippi is the insured's home state, the published charges are 4% premium tax and a 0.25% stamping fee on gross premium and policy fees, plus a separate 3% MWUA fee except for residential flood and earthquake; Mississippi's required policy notice says a nonadmitted insurer is not protected by the Mississippi Insurance Guaranty Association if it becomes insolvent.

Mississippi Surplus Lines Association

What Should You Ask Before Buying Telehealth Insurance in Mississippi?

Does each clinician treating a Mississippi patient hold the needed state authority or meet an exception?
Is our practice in each payer’s approved telemedicine network?
Does our audio-only workflow establish the relationship required for that visit type?

Telehealth Insurance in Mississippi: Frequently Asked Questions

Does Mississippi require health plans to cover telemedicine?

Yes. The Insurance Department states plans must cover telemedicine to the same extent as comparable in-person services, with cost-sharing no higher than the in-person amount. ¹

Can Mississippi patients use audio-only telehealth?

Usually, when the applicable doctor-patient relationship has been established; the Insurance Department says a relationship is usually required before an audio-only visit. ¹

Sources for Telehealth Insurance in Mississippi

1
Telemedicine / Telehealth. Mississippi Insurance Department; Coverage, cost-sharing, network and audio-only FAQs. Accessed 2026-09-29.
2
Mississippi Medical Practice Act and Related Laws. Mississippi State Board of Medical Licensure; Miss. Code § 73-25-34, telemedicine and practice across state lines. Accessed 2026-09-29.
3
Mississippi Insurance Department. Mississippi Insurance Department; Homepage and consumer/licensing services. Accessed 2026-09-28.
4
Insurance License Lookup. Mississippi Insurance Department; State-designated producer/company search. Accessed 2026-09-28.
5
File an Insurance Complaint. Mississippi Insurance Department; State complaint process and contact. Accessed 2026-09-28.
6
E-Pay Frequently Asked Questions. Mississippi Surplus Lines Association; Current MSLA E-Pay FAQ, question 'What are the current rates...' (lines 112–116): 0.25% stamping fee and 4% premium tax, both on gross premium and policy fees. Accessed 2026-09-28.
7
E-Pay Frequently Asked Questions. Mississippi Surplus Lines Association; Current MSLA E-Pay FAQ, lines 112–118: MWUA nonadmitted policy fee 3% on gross premium and policy fees, excluding residential flood and earthquake. Accessed 2026-09-28.
8
Insurer FAQs. Mississippi Surplus Lines Association; Current MSLA insurer FAQ, question 'What is a Home State?...' (lines 90–92): defines insured's home state under NRRA; directs no Mississippi reporting if Mississippi is not home state unless 100% of premium is allocated to Mississippi; MS-home-state written premium is reported. Accessed 2026-09-28.
9
Mississippi Department of Insurance Bulletin 2017-3. Mississippi Insurance Department; Issued May 12, 2017; page 1, visually verified: HB 447 removed the diligent-search requirement; on/after July 1, 2017 producers need not conduct a diligent search before placement and bulletin applies to policies quoted/bound on/after that date. Page 2, visually verified: required policy notice states policy is not protected by MIGA upon insurer insolvency; page 2 also withdraws Bulletins 2012-4 and 2015-5. Accessed 2026-09-28.
10
Mississippi Department of Insurance Bulletin 2017-3. Mississippi Insurance Department; Issued May 12, 2017; page 1, visually verified: after HB 447, no general diligent search is required for policies quoted or bound on/after July 1, 2017; not an ECP-only exception. Accessed 2026-09-28.
11
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
12
Licenses and Carriers. 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.
13
Insurance Producer 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.
14
About Hiscox US 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.
15
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.
16
Insurance Licenses by State. 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.
17
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.

What Telehealth Insurance Requirements Apply in Mississippi?

What Is Telehealth Insurance?

What Should You Watch for With Telehealth Insurance in Mississippi?

Plans Must Cover Comparable Telemedicine Services

Out-of-State Physicians Face a Mississippi Practice Rule

Audio-Only Has a Relationship Condition