Temi vs. Doctor On Demand: insurance care or cash refills

Doctor On Demand lists $99 for an urgent care visit, $134 for 25 minutes of therapy or $184 for 50, and $299 for a 45-minute initial psychiatry consultation with $129 follow-ups [2]. A prescription refill visit without insurance is "$99 for a 15 min consultation" [3]. Temi's refill review is $15 [1].

Yes. It works with plans including Blue Cross Blue Shield, Humana and UnitedHealthcare, and says visits can be as low as $0 for covered members [2]. You add your insurance details when you register to see your cost [5]. Temi does not bill insurance for its review, though your plan still covers the medication at the pharmacy [4].

Generally not. Its prescriptions page says clinicians "can write prescriptions for a variety of conditions but do require a video consultation" [3]. Existing patients of its psychiatrists or primary care clinicians can request refills by messaging the care team [5]. Temi requires no call at all; a physician reviews a written request within 48 hours [1].

Yes. It is an established telehealth service, now operated by Included Health, and a covered benefit for over 98 million Americans [2]. Customer reviews are poor, though: on Trustpilot it held a 1.3 TrustScore from 492 reviews when we checked, with most complaints about billing and insurance [8]. Confirm your coverage before booking to avoid a surprise charge.

No. Its FAQ says it does not prescribe "Narcotics, or pain medications- including Gabapentin, that have been designated as U.S. Controlled substances as a Schedule I, II, III, IV or V drug" [5]. Its prescriptions page names opioids, benzodiazepines and stimulants [3]. Temi also prescribes no controlled substances [1].

Its prescriptions page lists antibiotics, birth control, blood pressure and cholesterol medication, antidepressants, diabetes and thyroid medication, and allergy treatments [3]. Temi's refill service covers a narrower set: generic maintenance medication for blood pressure, cholesterol, thyroid and blood sugar [1]. Neither will refill a controlled substance.

For medical care, yes: "Urgent and everyday care visits are available 24/7/365" [5]. Mental-health appointments are scheduled ahead, usually within one to two days [5]. Temi has no appointment slots; requests are reviewed within 48 hours, often sooner [1]. For something urgent at 2am, Doctor On Demand is the one that can help.

If you are uninsured and your medication has not changed, the $99 visit is the cost to avoid. Temi reviews non-controlled maintenance refills for $15 without a call [1]. If your doctor has stopped replying to refill requests, our guide on what to do next covers the options. With coverage that brings Doctor On Demand to $0, it stays the cheaper route.