What Telehealth Insurance Requirements Apply in Texas?

Texas requires a valid physician-patient relationship before telemedicine medical services, with the same standard of care and professional discipline rules as in-person practice. Texas-regulated health plans must publish their telemedicine payment policies online; the statute does not require disclosure of negotiated provider rates.

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 Texas?

Texas Patient Location Determines the Rules
Texas-regulated health plans must publish their telemedicine payment policies online; the statute does not require disclosure of negotiated provider rates. Record where the patient is at each encounter and ask whether the policy covers services delivered under that state-specific rule. ²
Keep Telehealth Within Texas Practice Rules
Texas requires a valid physician-patient relationship before telemedicine medical services, with the same standard of care and professional discipline rules as in-person practice. Ask the broker to confirm the professional-liability policy covers the modalities and services your clinicians use in {n}. ¹
Confirm Texas Plan Payment Conditions
Texas requires a valid physician-patient relationship before telemedicine medical services, with the same standard of care and professional discipline rules as in-person practice. Verify network, authorization, and covered-service conditions before relying on payment for remote encounters. ^1,²

Which Telehealth Insurance Providers Have Texas 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 Texas?

Texas Department of Insurance

TDI licenses agents and insurers, reviews company rate filings, and investigates complaints against insurance companies and people it regulates. Its complaint page states limits on what it can resolve, including disputes outside its regulatory authority. ^3,^4,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint

Surplus-Lines Tax and Stamping Office in Texas

Reported tax rate. 4.85% of gross premium plus 0.04% SLTX stamping fee ^6,^7,⁸

When Texas is the insured’s home state, the state tax is 4.85% of gross premium; absent a compact allocation agreement, a multistate policy can be taxed on its entire premium. Policies effective on or after Jan. 1, 2024 also carry a 0.04% stamping fee; SLTX invoices the broker and says the insured pays it, and the surplus-lines insurer is not covered by the Texas guaranty association.

Surplus Lines Stamping Office of Texas

What Should You Ask Before Buying Telehealth Insurance in Texas?

Does our professional-liability policy cover the telehealth modalities we use with patients in Texas?
How should we document Texas patient location, consent, and required in-person follow-up?
Which Texas plan rules or network terms affect reimbursement for these services?

Telehealth Insurance in Texas: Frequently Asked Questions

Do clinicians need authorization to provide telehealth to patients in Texas?

Yes. Texas-regulated health plans must publish their telemedicine payment policies online; the statute does not require disclosure of negotiated provider rates. ²

Does Texas require health plans to cover telehealth?

Usually, when the service is otherwise covered and meets the state’s applicable clinical and plan conditions. Texas requires a valid physician-patient relationship before telemedicine medical services, with the same standard of care and professional discipline rules as in-person practice. ¹

Sources for Telehealth Insurance in Texas

1
Texas Occupations Code, Chapter 111. Texas Occupations Code; §§ 111.004-.005: telemedicine standard and physician-patient relationship. Accessed 2026-09-29.
2
Texas Insurance Code, Chapter 1455. Texas Insurance Code; § 1455.006: insurer telemedicine payment-practice disclosures. Accessed 2026-09-29.
3
texas insurance regulator. State insurance regulator; TDI regulator page outlines licensing, financial oversight, compliance/enforcement, and rate review. Accessed 2026-09-28.
4
How to Find a Licensed Insurance Agent or Adjuster. State insurance regulator; TDI says search by agent name or license number and links to the state license search. Accessed 2026-09-28.
5
Get Help with an Insurance Complaint. State insurance regulator; Direct complaint page explains covered entities, exclusions and online filing; Help Line 800-252-3439. Accessed 2026-09-28.
6
Texas Insurance Code §§225.002–225.004. Texas Legislature; §225.002 limits chapter to Texas-home-state insured; §225.004(a) 4.85%; (a-1) NRRA home-state limitation; (c) entire premium where Texas is home state and no compact agreement. Accessed 2026-09-28.
7
Stamping Fees & Taxes. Surplus Lines Stamping Office of Texas; Current policy-date table lists 0.04% for inception 1/1/2024 and after; stamping fee invoices go to brokers; site says fee is paid by insured. Accessed 2026-09-28.
8
Texas Surplus Lines Companies. Texas Department of Insurance; TDI says surplus-lines insurers are not licensed in Texas and its guaranty association member; eligibility/disclaimer and broker financial-responsibility details. Accessed 2026-09-28.
9
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
10
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.
11
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.
12
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.
13
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.
14
About Risklytics. Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
15
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.
16
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 Texas?

What Is Telehealth Insurance?

What Should You Watch for With Telehealth Insurance in Texas?

Texas Patient Location Determines the Rules

Keep Telehealth Within Texas Practice Rules

Confirm Texas Plan Payment Conditions