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After ruling out anything more serious, she prescribed antibiotics for a sinus infection.Within 24 hours of getting an antibiotic, Moore, a custom-home builder, bounced back.

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Increasingly, employers and insurers are including the services as part of benefits packages.

A recent survey of 140 large employers by the National Business Group on Health found that 74 percent of the nation's largest employers are offering telemedicine services in 2016, up from 48 percent in 2015.

Last spring, United Healthcare teamed up with several e-visit companies, including American Well and Doctor on Demand, to offer virtual appointments to some employer-insured patients; it plans to make that option available to as many as 20 million by the end of 2016, according to spokeswoman Lynne High.

Thus, they avoid the time lost from work or other commitments spent in a doctor's waiting room — if they can even land an in-person visit.

Mike Koval, a 64-year-old police captain near Sarasota, Fla., says it sometimes can take at least a week to see his family doctor, whereas he can talk to one through telehealth provider Me MD from his office computer any time his incessant allergies back up yet again into his sinuses.

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