Ondoc vs MDLIVE

MDLIVE is a virtual-care service whose cost depends heavily on your health plan. Ondoc is a task-based online care service that uses accepted commercial insurance or self-pay. Here is how the two models differ.

At a glance

Two different care models. Values describe what each service does, not which is better.

DimensionOndocMDLIVE
What the service isDIRECT ONDOC CAREVirtual care, largely through health plans and employers
24/7 urgent careNO — An appointment or clinician review may be requiredYES — States 24/7/365 urgent care
Cost for a visitInsurance where accepted, or $50 self-payVARIES — Urgent care listed $0–89 as of September 2026, depending on coverage
Primary care availabilityYES — Online primary-care visits and requestsVERIFICATION REQUIRED — States primary care is for select plans
Refill handled as a clinician-reviewed taskREQUESTVARIES — Prescriptions as part of a visit
Lab, imaging and referral ordersYES — Where clinically appropriateVARIES — Depends on service and plan
Work or school note as its own taskYESVARIES — Not published as a standalone service
Cancellation feesNOYES — Publishes fees for late cancellations on some visit types
Medicare / Medicaid as insuranceNOVARIES — Depends on your plan or benefit

How MDLIVE works

  • MDLIVE states its urgent-care doctors are available 24/7/365, including weekends and holidays, by phone or video.
  • MDLIVE publishes ranges rather than one price — for example urgent care shown as $0–89 and dermatology as $0–95 — and states copays for participating plans may be as low as $0.
  • MDLIVE states primary care is available for select health insurance plans, that not all plans cover all its services, and that pricing is shown upfront once you log in.
  • MDLIVE states more than 50 million people have MDLIVE as part of a health insurance benefit, and publishes cancellation fees for some visit types.

How Ondoc works

  • You pick the task you actually need — a visit, a refill, a lab or imaging order, a referral, or a document such as a work or school note.
  • Ondoc asks only the information that task requires, then a licensed clinician reviews it.
  • You choose an appointment time or continue without one; a licensed clinician reviews the care you need either way.
  • Commercial insurance is used where accepted and verified; otherwise $50 self-pay is offered as an optional link.
  • Care is delivered by an appropriately licensed clinical network behind the Ondoc experience, not by a directory of selectable physicians.

Insurance and self-pay

Ondoc

Ondoc accepts many commercial insurance plans; coverage varies by plan and may require verification. Medicare and Medicaid are not accepted as insurance. Self-pay is $50 for an Ondoc visit or request evaluation.

See accepted insurance

MDLIVE

MDLIVE's cost varies with coverage: it states copays for participating plans may be as low as $0, that not all plans cover all services, and that your price is shown upfront in your account.

Why patients choose Ondoc

  • You want a specific task handled — refill, note, lab or imaging order, referral — rather than a general urgent-care visit.
  • You do not have an MDLIVE benefit and want a commercial plan checked against an accepted list.
  • You want a known self-pay amount of $50 when a plan cannot be billed.

Common questions

How much does MDLIVE cost?
MDLIVE publishes ranges that depend on coverage — urgent care was listed as $0–89 as of September 2026 — and states copays for participating plans may be as low as $0 and that pricing is shown upfront in your account. Check MDLIVE for current pricing.
What should I compare when considering MDLIVE and Ondoc?
Whether you have an MDLIVE benefit, whether you need overnight or holiday access, and whether your need is a general visit or a specific task such as a refill, note or order.

Sources and disclosure

Ondoc is not affiliated with MDLIVE. MDLIVE and its trademarks belong to their respective owners.

Competitor information reviewed September 2026. Services, pricing and coverage can change; check the provider's current terms.

Need ongoing care?

Primary Care Membership$25/month

Includes 2 eligible clinical visits each membership month, then $10 per additional eligible visit. Medication cost is billed by your pharmacy, not Ondoc. Membership is optional — commercial insurance and one-time self-pay stay available.