The US Congress has recently decided that the Medicare rules will be revised to include reimbursement for telemedicine. That means that the private insurance companies and HMOs will probably follow suit in the near future. Keep asking your company about their policies and let them know you will consider changing policies to go with the company that keeps up with the changing times. There is certainly some overlap in the two types of work - but strictly speaking, the professional is not engaged in therapy unless they have made a diagnostic assessment, developed a treatment plan, and are utilizing specific therapeutic interventions usually with the goal of assisting the patient in making some changes in their psyche, their behavior, their family dynamics, etc. Working on reducing anxiety or depression through cognitive restructuring is an example of therapy.
Therapy is treatment in which the medicine is the therapeutic relationship.
Counseling , on the other hand, is usually more task specific and limited to assisting a client in dealing with a specific situation or making specific decisions about their life. Pre-marital counseling is a good example. There are overlaps, but the three professions are clearly unique. The majority of psychotherapy provided in the United States is provided by social workers. The psychiatrist can prescribe medications.