MDLive review May 2021

Last updated:  

With this platform, your doctor reviews your medical history before connecting — making appointments more efficient.

  • Explore this practice if you want to access 24/7 appointments, and see dermatologists.
  • Choose something else if you need to connect to a doctor immediately.

How does MDLive work?

MDLive is a telehealth platform that offers 24/7 appointments with board-certified physicians across the US. The service is designed to handle non-emergency medical conditions, and its network includes doctors, specialists and mental health professionals.

You can access MDLive through its site or app, and book a video or phone consultation. You’ll only be charged a fee when you visit with a doctor.

MDLive guarantees you’ll be connected with a doctor in an hour or less, and the wait time for on-demand appointments is approximately 20 minutes. This allows doctors to review patients’ medical history before connecting.

How long does an appointment last?

A typical appointment is 10 to 15 minutes, but you can extend the visit if needed.

Specialist consultations can last up to 50 minutes.

Can I choose my doctor?

Yes. When you request an appointment, you’ll be able to choose a doctor from a list. The system will display each physician’s bio, credentials and whether they’re available for phone or video consultations.

You can opt to see a doctor as soon as possible, or schedule an appointment for the future.

What conditions can MDLive treat?

MDLive focuses on basic medical care as well as teletherapy, and it stands out for offering teledermatology services. The platform is meant to supplement your primary care provider (PCP) — not replace it.
Type of careExamples of conditions
Medical care
  • Allergies
  • Asthma
  • Bronchitis
  • Cold and flu
  • COVID-19
  • Digestive issues, such as diarrhea and constipation
  • Ear infections
  • Fever
  • Headache
  • Joint aches and pain
  • Nausea
  • Pink eye
  • Sinus infections
  • UTIs
  • Vomiting
  • Acne
  • Alopecia
  • Cold sores
  • Eczema
  • Insect bites
  • Moles
  • Psoriasis
  • Rashes
  • Rosacea
  • Suspicious spots
  • Warts
Behavioral health
  • Addiction
  • Anxiety
  • Bipolar disorder
  • Grief and loss
  • LGBTQIA issues
  • Life transitions
  • Men’s issues
  • Panic disorders
  • Parenting issues
  • Postpartum depression
  • Relationship issues
  • Stress
  • Trauma and PTSD
  • Women’s issues
  • MDLive also offers psychiatric assessments and medication management.

Can my doctor order a lab test?

Yes. Lab tests are typically sent to your nearest LabCorp facility — but your doctor can arrange for your test to go to an alternative lab if necessary.

Can my doctor prescribe medication?

Yes. Your doctor may prescribe medication for you to pick up at your local pharmacy.

However, MDLive doctors aren’t allowed to write specific prescriptions, including:

  • Controlled substances, like ADHD medications and benzodiazepines
  • Substances with a high potential for abuse, such as muscle relaxants and pseudoephedrine
  • Stimulants, such as Adderall and Ritalin
  • Medical marijuana
  • Detox medications, like Subozone and Methadone
  • Erectile dysfunction, hair loss and weight loss medications
  • Injectable medications
  • Sleeping pills

What doesn’t MDLive treat?

MDLive’s doctors can’t treat serious or life threatening conditions, and some sexual health issues.

If you’re experiencing any of these situations, please see your PCP or call 911:

  • Medical emergencies, including sudden bleeding, chest pain and suicidal thoughts
  • Sexually transmitted diseases (STDs)
  • UTIs in males, and UTIs in females under 18 years old
  • Active hallucinations or delusions
  • Moderate to severe autism
  • Substance use in active medical detox

The platform also isn’t suitable for these minors:

  • Children under three years old with a fever
  • Children under 12 years old with ear pain
  • Children under 10 years old with behavioral issues

What’s changed during COVID-19?

MDLive added a risk assessment feature to its platform, and your doctor can:

  • Screen you for COVID-19 by reviewing your symptoms
  • Advise you to self-quarantine, get a COVID-19 test or go to the emergency room
  • Write 90-day prescription refills for chronic conditions — a temporary increase from 30 days.

But MDLive doctors can’t order diagnostic or antibody tests, prescribe antiviral medication or write a note that excuses you from work or school.

Does health insurance cover the coronavirus?

How much does MDLive cost?

MDLive charges a flat-rate fee per visit, and the cost varies depending on the type of care you need. If you have insurance, your plan may cover all or part of the fee.

Type of appointmentFee
Medical care
  • $82
  • $75
  • $108
  • $284 for an initial consultation
  • $108 for a follow-up consultation

Can I use my FSA or HSA to pay for my MDLive visit?

Yes. You can pay for your visit with your Flexible Savings Account (FSA) and Health Savings Account (HSA) debit card.

The platform also accepts most credit and debit cards.

Does MDLive accept insurance?

Yes. MDLive works with most major insurance companies, including:

  • Aetna
  • Blue Cross Shield
  • Cigna
  • Optima Health
  • UnitedHealthcare

Can I use MDLive if I don’t have health insurance?

Yes. You can sign up for the platform and pay for telehealth visits out of pocket.

Where is MDLive available?

MDLive is available nationwide. When you request an appointment, you’ll only be shown doctors who are fully licensed to practice medicine in your state.

Pros and cons of MDLive


  • No membership fees. You’ll only pay when you visit a doctor.
  • 24/7 consultations. Doctors and mental health professionals are available around-the-clock and on demand.
  • Offers teledermatology. MDLive has a dedicated dermatology department, which is rare for telehealth platforms.
  • Accessible services. The company offers phone consultations, and has a HIPAA-compliant live chat feature for hearing-impaired members.
  • Rigorous training for doctors. All physicians have to undergo training with the American Telemedicine Association and National Committee for Quality Assurance. Plus, doctors have an average of 15 years’ experience in their field.


  • Video visits required for prescriptions. MDLive doesn’t support automatic prescription refills.
  • Longer wait times. While the platform guarantees you’ll see a doctor within an hour, the average wait time is around 20 minutes — so it’s not ideal for urgent care needs.

Compare alternatives to MDLive

Name Product Telehealth coverage Wellness support Membership required Average monthly cost
Understand your health plan by uploading your insurance card to your account, revealing your coverage details and in-network doctors
4 Your Health
Get 24/7 wellness advice, meal plans, workouts and telehealth doctors, including psychologists and pharmacists. No insurance needed.

Compare up to 4 providers

MDLive reviews and complaints

MDLive has been in business for a decade, and accredited with the Better Business Bureau (BBB) since 2015. It holds an A- rating for its customer interaction. The BBB has recorded 65 complaints against the business in the past three years, most of which had to do with billing issues and rushed appointments. Customers award the platform 1 out of 5 stars based on over 20 reviews.

On TrustPilot, MDLive has 4.5 out of 5 stars from over 8,000 reviews. Customers were overwhelmingly positive, commenting on quick wait times and professional, courteous doctors.

How to sign up for MDLive

You can create an account online, on the iPhone or Android app or by calling 888-632-2738.

Online is the most seamless way. These are the steps:

  1. Go to MDLive’s site.
  2. Click Register.
  3. Type in your personal and contact details, and click Continue.
  4. Select your location, gender and date of birth.
  5. Enter your health insurance information, if you have it.
  6. Provide details about your personal and family medical history, and choose a pharmacy.

Once your account is active, you’ll be able to browse doctor profiles and view available appointments.

Can I access MDLive through my employer?

The platform claims 40 million people have access to MDLive through their employers. To find out if a membership is part of your health insurance package, read through your benefit documents or speak to your HR department.

If your workplace participates, your employer will subsidize or cover the cost of visiting a doctor through MDLive.

Frequently asked questions about MDLive


Review by

Katia Iervasi is a staff writer who hails from Australia and now calls New York home. Her writing and analysis has been featured on sites like Forbes, Best Company and Financial Advisor around the world. Armed with a BA in Communication and a journalistic eye for detail, she navigates insurance and finance topics for Finder, so you can splash your cash smartly (and be a pro when the subject pops up at dinner parties).

Expert review

As a telemedicine platform, MDLive offers 24/7 appointments with doctors, psychologists and psychiatrists. It also has dedicated dermatologists on staff to virtually treat conditions like acne, rosacea and skin spots.

The service charges a flat fee for each visit, and partners with major health insurance companies. It also stands out for requiring doctors to review your medical history before hopping on a virtual call — which means there’s less wasted time during appointments.

MDLive is ideal when you don’t want or need to see your PCP, or when you’re traveling and in need of medical care. But doctors can’t order COVID-19 tests, and you’ll need to book a consultation for prescription refills.

Ask an expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.
Go to site