# MDLIVE vs Insurance Pal

The clearest difference is rating: MDLIVE at 4.7 against Insurance Pal's 1.3. MDLIVE also leads on update cadence (every 6 weeks vs every 27 months) and ratings volume (94K vs 3). Insurance Pal's advantage is monetization model (free vs free with in-app purchases). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

MDLIVE holds the better App Store score, 4.7 against 1.3. That said, the two scores are not equally well evidenced: MDLIVE has 94K ratings behind it against 3, so its average is the more settled of the two.

MDLIVE ships an update every 6 weeks, Insurance Pal every 27 months. The most recent releases landed on November 9, 2026 and November 2, 2026 respectively.

## The numbers

| Metric | MDLIVE | Insurance Pal |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (94K ratings)](https://appshunter.io/ios/app/mdlive/id839671393/reviews)** | [1.3 (3 ratings)](https://appshunter.io/ios/app/insurance-pal/id1401610174/reviews) |
| Number of ratings | **94K** | 3 |
| Positive reviews | 81.5% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 6 weeks** | Every 27 months |
| Monetization | Free with in-app purchases | **Free** |
| Best chart rank | **#75** | — |
| Size | 107 MB | 25 MB |
| Requires iOS | 13.0 | **12.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 17+ | 4+ |
| Developer | [MDLIVE, Inc.](https://appshunter.io/developer/839671396) | [HealthWest, LLC](https://appshunter.io/developer/1460741415) |

## What reviewers say

### MDLIVE

[App page](https://appshunter.io/ios/app/mdlive/id839671393)

**Currently charting:** #75 Top Free · Medical (US App Store)

Access virtual doctor visits with board-certified physicians, licensed therapists, and psychiatrists 24/7. Get on-demand or scheduled appointments for a wide range of non-emergency medical and behavioral health conditions from home.

**Highlights:** Virtual doctor visits 24/7, Behavioral health appointments, Dermatology services, On-demand or scheduled appointments, Treatment for 80+ non-emergency conditions, Prescription refills

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and convenient
- 👍 Easy to use app
- 🚑 Helpful for minor health issues
- 💻 Accessible from home
- 💰 Cost-effective

**What reviewers complain about**

- 🐛 Technical issues with video/audio
- 🚫 Inability to diagnose/treat certain conditions
- 🕰️ Long wait times
- 💊 Reluctance to prescribe medications
- 🤔 Inconsistent quality of care

**Reported bugs**

- Incorrect insurance information
- Prescriptions not being sent to pharmacy
- Appointments not being properly logged

**Requested features**

- Ability to contact providers directly
- Option to rate/review individual providers
- Improved billing transparency


### Insurance Pal

[App page](https://appshunter.io/ios/app/insurance-pal/id1401610174)

Access your medical benefits and plan details for supported clients. This application provides a convenient way to view important insurance information on your mobile device.

**Highlights:** View medical benefits, Access plan information, Supported client access, Mobile convenience

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is MDLIVE free?

MDLIVE is free to download, with no in-app purchases.

### Is Insurance Pal free?

Insurance Pal is free to download, with no in-app purchases.

### Which has better reviews, MDLIVE or Insurance Pal?

MDLIVE is rated higher. MDLIVE averages 4.7 out of 5 from 94K ratings, while Insurance Pal averages 1.3 from 3 ratings.

### Do MDLIVE or Insurance Pal have ads?

Neither MDLIVE nor Insurance Pal shows ads.

### Which is updated more often, MDLIVE or Insurance Pal?

MDLIVE ships an update every 6 weeks, and Insurance Pal every 27 months. Most recently, MDLIVE was updated on November 9, 2026 and Insurance Pal on November 2, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*