Snapshot of the source text at fetch time, not a live mirror of the policy page.
Plain-English summary
MD Live states that all health care providers are independent and users rely on them at their own risk, with MD Live not liable for their advice (risk-flags-1). The company also makes no guarantees about provider training or skill (risk-flags-2).
Additionally, MD Live can revoke user account access at any time with or without cause (risk-flags-3) and does not guarantee prescriptions or care, with providers having the right to deny service (risk-flags-4).
Disputes must be resolved exclusively in Delaware state courts, with users waiving objections to this jurisdiction (gotchas-1).
90% confidence
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Risk Flags
Critical terms that can significantly harm users, often by limiting their rights or exposing them to unexpected liabilities.
high95% confidence
Provider independence from MD Live
MD Live states that all providers are independent and use the service solely to communicate with users. MD Live does not provide physician services itself and is not liable for professional advice or information obtained from health care providers.
Why it matters: Users rely on providers at their own risk and must assume full responsibility for all associated risks. MD Live will not be liable for any professional advice from a health care provider via the Service or for any other information obtained on the site.
Neither MDLIVE, nor any of its subsidiaries or affiliates or any third party who may promote the Services or provide a link to the Services, shall be liable for any professional advice obtained from a health care provider via the Service or for any other information obtained on the Site. MDLIVE does not endorse any specific tests, physicians, medications, products or procedures that are recommended by providers that may use MD Live to communicate with you. You acknowledge that your reliance on any providers or information provided by the providers via the Service is solely at your own risk and you assume full responsibility for all risk associated herewith.
MD Live, an Evernorth company, Site Specific Terms of Use, paragraph 2 · Citation strength: strong
high95% confidence
MD Live does not guarantee provider qualifications
MD Live does not make any representations or warranties about the training or skill of any providers who provide services via the Service.
Why it matters: Users are ultimately responsible for choosing their particular provider without guarantees from MD Live regarding the provider's training or skill.
MD Live does not make any representations or warranties about the training or skill of any providers who provide services via the Service. You will be provided with a list of available providers located in the U. S. based solely on the information you, your employer or your plan sponsor provides to MD Live. You are ultimately responsible for choosing your particular provider.
MD Live, an Evernorth company, Site Specific Terms of Use, paragraph 3 · Citation strength: strong
high95% confidence
Account access revocation without cause
MD Live may revoke a user's access to the Site at any time with or without cause.
Why it matters: Users may lose access to their account and the services without explanation or prior notice.
Your access to the Site may be revoked by MD Live at any time with or without cause.
Limitations on MD Live prescriptions and care guarantees
MD Live does not guarantee patients will receive a prescription, does not prescribe DEA-controlled substances, and may not prescribe non-therapeutic drugs and certain other drugs with abuse potential. Healthcare providers using the Site have the right to deny care if they deem a case inappropriate for telehealth or due to misuse of Services.
Why it matters: Users may not receive desired prescriptions or care, and providers retain the right to deny care, which could impact the availability and type of treatment received.
MD Live does not prescribe DEA-controlled substances and may not prescribe non-therapeutic drugs and certain other drugs which may be harmful because of their potential for abuse. MD Live does not guarantee patients will receive a prescription. Healthcare providers using the Site have the right to deny care if based on professional judgment a case is inappropriate for telehealth or for misuse of the Services.
How your data is collected, processed, and shared, including potential privacy impacts.
low95% confidence
Electronic communications consent
By using any MDLIVE Service or sending electronic communications, users consent to receive electronic communications from MD Live. Users also agree that all agreements, consents, notices, disclosures, and other communications provided electronically satisfy any legal requirement that such communications be in writing.
Why it matters: Users implicitly agree to receive communications electronically and accept that electronic formats meet legal writing requirements, which may affect how official notifications are received.
When you use any MDLIVE Service, or send e-mails, text messages, and other communications from your desktop or mobile device to us, you are communicating with us electronically. You consent to receive communications from us electronically. You agree that (a) all agreements and consents can be signed electronically and (b) all notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such notices and other communications be in writing.
MD Live, an Evernorth company, Site Specific Terms of Use, paragraph 5 · Citation strength: strong
Cancellation & Renewal
Terms related to account termination, service cancellation, and automatic renewals, outlining potential difficulties or unexpected charges.
Not clearly stated: The document does not clearly state information regarding cancellation or renewal policies for the services offered by MD Live. While there is a mention of cancelling SMS services, it does not provide general cancellation or renewal terms for the main services.
Gotchas
Unexpected or subtle clauses that could lead to consumer disadvatage. These are usually not obvious at first glance.
high95% confidence
Exclusive jurisdiction and waiver of objections for disputes in Delaware
Users agree that all matters related to any use or access of the Site, Services, or any other MD Live site will be governed by the laws of the State of Delaware. Users waive any objections to such jurisdiction or venue, and any claims or controversies shall be exclusively in the state courts in Delaware.
Why it matters: Users are limited to resolving disputes exclusively in Delaware state courts, potentially incurring significant travel and legal costs if they reside elsewhere, and waive their right to object to this jurisdiction.
In the event we cannot resolve a dispute between us, you agree that all matters related to any use or access of the Site, the Services or any other MD Live site will be governed by the laws of the State of Delaware, without regard to its conflicts of laws rules. You hereby waive any objections to such jurisdiction or venue. Any claims or controversies arising out of these Terms and Conditions and/or the related use and access of the Site, the Services or any other MD Live site, shall be exclusively in the state courts in Delaware.
Terms that are favorable to the consumer, offering benefits, safeguards, or clear rights.
Protection95% confidence
SMS service cancellation
Users can cancel the SMS service at any time by texting “STOP” to the short code.
Why it helps: This provides users with a clear and easy way to opt-out of SMS communications, giving them control over messages received.
You can cancel the SMS service at any time. Just text “STOP” to the short code. After you send the SMS message “STOP” to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us.
Short code messaging related information as follows:, paragraph 1 · Citation strength: strong
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