If your plan has an out-of-network benefit, you are covered for a virtual or telephone (audio-only) visit with an out-of-network provider for care related to COVID-19. You will pay your copays, coinsurance and/or deductibles, according to your plan benefits for an office visit. Your provider may choose to bill you for the difference between what they charge and what we pay. You can find a provider in our network by signing in to the member portal and using our Find Care tool. If your plan does not have an out-of-network benefit, you are not covered for virtual care or telephone (audio-only) with an out-of-network provider for care related to COVID-19. You will pay the full cost of your virtual visit. You can find a provider in our network by signing in to the member portal and using our Find Care tool.