No. But it doesn't matter to most of us. Here's why.
The real reason is insurance companies are extremely conservative. They pay for traditional office visits, not today's way of getting things done (using our phones to communicate and problem solve). Here's an example: if an insurance company paid for a taxi, they'd only pay for old-fashioned cabs you hail from the street, not an uber. Maybe in 15 years they'd contemplate paying for an uber. And that's how long it takes for a health insurance company to approve paying for anything new and different. That's frustrating to you and us.