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The doctor’s in _ through webcam, smartphone

WASHINGTON (AP) — Mark Matulaitis holds out his arms so the Parkinson’s specialist can check his tremors. But this is no doctor’s office: Matulaitis sits in his rural Maryland home as a neurologist a few hundred miles away examines him via the camera in his laptop.

Welcome to the virtual house call, the latest twist on telemedicine. It’s increasingly getting attention as a way to conveniently diagnose simple maladies, such as whether that runny nose and cough is a cold or the flu. One company even offers a smartphone app that lets tech-savvy consumers connect to a doctor for $49 a visit.

Now patient groups and technology advocates are pushing to expand the digital care to people with complex chronic diseases that make a doctor’s trip more than just an inconvenience.

“Why can’t we provide care to people wherever they are?” asks Dr. Ray Dorsey, a neurologist at the University of Rochester Medical Center who is leading a national study of video visits for Parkinson’s patients and sees broader appeal.

“Think of taking your mom with Alzheimer’s to a big urban medical center. Just getting through the parking lot they’re disoriented,” he adds. “That’s the standard of care but is it what we should be doing?”

Among the hurdles: While Medicare covers some forms of telehealth, it doesn’t typically pay for in-home video exams. Plus, doctors who practice by video-chat must be licensed in whatever states their long-distance patients live. Some states restrict the kind of care and prescribing available via telemedicine.

About 40 percent of Parkinson’s patients don’t see a specialist, in part because they live too far away, even though research suggests those who do fare better, according to the Parkinson’s Action Network.

When Matulaitis first was diagnosed in 2011, his wife had to take a day off work to drive him more than two hours to a Parkinson’s clinic. Once he was stabilized on medication, Dorsey enrolled the Salisbury, Md., man in a pilot study of video house calls. Set-up was simple: The doctor emailed a link to video software designed for patient privacy.

He’s thrilled with the care.

“It’s just the same as if you’ve ever done Facetime on an iPhone,” explained Matulaitis, 59, who continues his virtual checkups with Dorsey a few times a year. “It allows the doctor to see the patient at a point where they are at their best.”

Telemedicine is broader than a Skype-like doctor visit. For years, doctors have delivered different forms of care remotely, from the old-fashioned phone call to at-home monitors that measure someone’s blood pressure and beam the information to a clinic. Hospitals routinely set up on-site video consultations with specialists.

But the virtual house call is gaining interest. Some insurers offer versions, such as Wellpoint Inc.’s LiveHealth Online service. Telemedicine provider American Well is making headlines with its direct-to-consumer service, offered in 44 states. Psychiatrists are exploring mental health follow-up counseling from the privacy of a patient’s home computer.

New guidelines from the Federation of State Medical Boards say telemedicine can be OK without a prior in-person visit, a change expected to influence licensing regulations in a number of states, said federation president Dr. Humayun Chaudhry. The guidelines hold virtual visits to the same standards as an office visit, including a full medical history and informed consent, and say patients should be able to choose among participating doctors. The group also is finalizing a plan to make it easier for doctors to practice across state lines.

But does a virtual exam translate into better outcomes for the chronically ill?

“There’s an evidence gap that needs to be filled,” said Romana Hasnain-Wynia of the Patient-Centered Outcomes Research Institute, an agency created under the new health care law to study which medical treatments and procedures work best.

With a $1.7 million grant from PCORI, Dorsey’s study is randomly assigning about 200 Parkinson’s patients from around the country to receive either their usual care or added virtual checkups from a specialist. His pilot studies have suggested telemedicine allows needed care such as medication adjustments while saving patients time.

As for people seeking even a seemingly simple diagnosis, there are other questions such as how to avoid overprescribing antibiotics. Yes, a smartphone camera may spot signs of strep throat. But national guidelines urge a strep test before giving antibiotics, to be sure a virus isn’t to blame.

“You have to be a touch more thoughtful when you’re talking about new patient relationships,” said Dr. Joseph Kvedar of the Center for Connected Health, a division of Boston’s Partners Healthcare. But he predicts at-home infection tests one day could supplement telehealth.

Then there’s cost. The key is whether telehealth replaces doctor visits or adds to them, Dr. Ateev Mehrotra of Harvard and the RAND Corp., said in recent testimony for a House Energy and Commerce subcommittee that is studying how to enhance telemedicine.

“Telehealth may be too convenient,” said Mehrotra, urging that it be implemented in a cost-effective way that provides high-quality care.

Copyright 2014 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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