These costs and incentives are often ridiculous. I got a Teledoc pamphlet from my insurance last year. Awesome! Often, when something happens or if I'm sick, I never know when to go to the ER, Urgent Care, or make an appointment. If I feel terrible for 5 days, should I wait it out or see someone? Especially with young kids, I've made the wrong call in both directions. It turns out a video/phone appointment is way more than seeing someone in person. I figured my use-case wasn't what they were targeting and couldn't imagine a scenario I would prefer it.