While there is speculation about how the Medicare and Medicaid industries will look post-COVID, one thing is certain – insurers, agents, providers and beneficiaries have already made significant changes. With guidance from CMS, insurers expanded telehealth coverage to primary care (outside of COVID), while agents have turned to more digital and phone based tactics to replace traditional F2F meetings. Although providers made the switch to telehealth options, many are struggling to keep their business afloat with lower revenues. Beneficiaries meanwhile, are trying to adjust to the impact shelter-in-place orders have on their everyday lives.