"Insurance company UnitedHealthcare will start covering visits to the doctor's office -- via video chat.... This move to cybermedicine could save insurers a ton of money -- or have unintended consequences.... It could be that people grab a doctor online for skin rashes, colds and coughs -- and by getting care early on, they prevent an expensive catastrophe. Or maybe people wait too long when they really just need to see a doctor in person. Or it could be this service brings out the inner hypochondriac in us and leaves the insurer with a bigger bill to co-pay."