Silver
Virtual-first care with expert second opinions built in.
- Specialist record review
- Formal written report
- Secure record uploads
- Follow-up Q&A messaging
Plans & Expert Opinion
Which plans include this benefit?
Expert Medical Opinion is part of the virtual-care bundle on Silver and Platinum. Gold is built for in-person office visits and doesn’t include it. Plus is a separate major-medical add-on — it carries Expert Opinion only when paired with Platinum, not with Gold.
Gold
Gold is built for in-person office visits and doesn’t include the virtual Expert Opinion benefit.
- $25 in-person office visits
- $50 urgent care, labs, X-ray
- $0 preventive visits
- Nationwide PPO network
Platinum
Expert second opinions combined with in-person preventive and office visits.
- Everything in Silver’s Expert Opinion
- + In-person office visits
- + $0 preventive care
- + Nationwide PPO network
+ Plus
Plus is a major-medical add-on. It keeps Expert Opinion on Platinum + Plus — Gold + Plus does not include it.
- Emergency room sharing
- Hospitalization & surgery
- Ambulance services
- Pairs with Platinum for Expert Opinion
How Plus affects Expert Opinion: the benefit rides on your base plan’s virtual care. Because Gold has no virtual program, Gold + Plus still doesn’t include Expert Opinion. On Platinum + Plus, you keep expert second opinions and add major-medical coverage for emergencies, hospitalization, and surgery.
When It Helps
When a second opinion matters most
A fresh expert review can confirm a plan, surface alternatives, or simply give you confidence before a big decision. These are the moments members reach for it.
Ambiguous diagnosis
Your diagnosis isn’t clear-cut and you want a specialist to take a fresh look.
Risky treatment or surgery
A difficult or high-risk treatment plan or operation is on the table.
Unanswered questions
You still have important questions your current care hasn’t fully addressed.
Rare disease diagnosis
An uncommon condition where deep, specialized expertise makes a real difference.
Complex health issue
Multiple conditions or factors make the right path forward harder to see.
Uncertain of options
You want to understand every reasonable option before choosing a direction.
How It Works
From your questions to a written answer
Four steps, all online. Submit securely from any browser-enabled device — no travel, no waiting rooms.
01
Enroll
Create your account and tell us about your case and the key questions you want answered.
02
Upload records
Securely submit your medical records and imaging from any device, anywhere.
03
Specialist review
A top specialist performs a detailed review and prepares a formal written report.
04
Report & follow-up
Receive your report with notifications, then message the team for any clarifications.
What You Get
Engineered for clarity and confidence
World-class specialist network
Renowned specialists from leading medical institutions.
Easy, secure uploads
Submit records and imaging safely from any browser-enabled device.
Formal written report
A detailed, case-specific report that answers your questions.
Timely, comprehensive review
Thorough analysis with turnaround that fits your case’s complexity.
Follow-up Q&A messaging
Interactive messaging to clarify the report after you receive it.
Real-time notifications
Immediate updates by email, SMS, and in-app at every step.
Why It Matters
What a second opinion changes
An expert review can change the course of your care — helping you avoid unnecessary risk and move forward with confidence. Individual results vary.
Avoid unnecessary risk
Sidestep costly or high-risk procedures that may not be needed.
Confident decisions
Move forward knowing your plan has been independently reviewed.
New options surfaced
Learn about alternative diagnoses and treatments you may have missed.
Peace of mind
Clarity from a trusted specialist when the stakes feel high.
Good to Know
Common questions, clear answers
Is Expert Opinion on my plan?
It’s included on Silver and Platinum. Gold doesn’t include it. Adding Plus keeps the benefit only on Platinum + Plus — Gold + Plus does not include it.
Who prepares the expert opinion?
A specialist from our network of top medical institutions reviews your records and writes the report.
How long does it take?
Turnaround is typically timely, but depends on case complexity and the completeness of submitted records.
Can I ask follow-up questions?
Yes. Our platform supports interactive messaging for clarification after you receive your report.
Is this available in my state?
Yes — submit securely from any location nationwide using any browser-enabled device.
Ready to get clarity?
Start your expert review today. Upload your records securely and receive a comprehensive, physician-prepared report. Available nationwide on Silver and Platinum.
Questions about Expert Medical Opinion?
Our team can walk through eligibility, what to upload, and what to expect from your report.