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Payment is made online using a credit card.

A 10-minute visit, which can be extended for a fee, will cost $10 for HMSA members and $45 for nonmembers. Administrators believe the majority of calls will be completed within the first 10 minutes.

Medicine has used online video conferencing for years. One of the more common uses is a doctor or patient in a rural areas communicating with specialists in big-city hospitals. Vincent said Web chats have also been successful in the mental health community for follow-up visits because the patient's emotional state can be assessed with a Web cam much better than a phone call.

The health care industry will be watching Hawaii closely to see if the system answers several lingering questions about its effectiveness, security and liability. Other key concerns deal with misdiagnosing patients, delaying proper care and legal challenges.

Dr. Ronald Kienitz, a member of the Hawaii Medical Board, said he's personally concerned about prescribing medicine or treatment without establishing a doctor-patient relationship.

The Federation of State Medical Boards adopted guidelines that say: "Treatment, including issuing a prescription, based solely on an online questionnaire or consultation does not constitute an acceptable standard of care."

However, the Hawaii Legislature in 2006 passed a law ensuring "telehealth services" are reimbursed because "effective and prompt healthcare is extremely important in Hawaii, particularly to individuals residing in rural communities."

Schoenberg said the biggest misconception is that the system is some sort of "Doc-In-The-Box," where prescriptions and treatments are being sold online.

"This is about brokering a physician's time," he said. "The promise of the system is to get you in front of a credentialed physician."

Dr. Todd Kubo, who has been trained to use the system, said he believes the system could prevent some unnecessary visits to busy emergency rooms. He recently opened two clinics because there wasn't enough doctors or appointments for people to get their common health problems addressed.