Terms of Website Use
Use Drs Choices to learn about insurance and prepare your next questions. Reading a guide, using the planning tools or opening a quote link does not apply for insurance or activate coverage.
By Navid Lalezari · Author
Reviewed by Navid Lalezari
Last reviewed
In this guide
What this website provides
Drs Choices brings together educational insurance guides, comparison questions, planning tools and contact options. A guide can help explain a concept, but it does not account for all of your circumstances or replace the actual policy, an insurer’s application instructions or advice from an appropriately qualified professional.
Use a licensed insurance professional for a personal coverage discussion. Obtain individual tax or legal advice when a decision depends on those issues. A policy decision should be based on the current documents and the facts relevant to your situation.
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External quote entry and advisor paths
The Explore quotes and next steps page links to public Quotit entry pages for individual or family health coverage and term life. You choose what information to enter on that service. Whole life, physician disability and employer-group coverage currently begin with separate advisor contact paths.
A working quote-entry link does not establish that a particular plan, application method or payment option is available. Read the provider’s current instructions, terms and privacy notice before continuing. Complete required application steps yourself through the supported process, and obtain confirmation of coverage and its effective date. Do not cancel existing coverage on the strength of a website explanation or an unissued quote.
Read next: Individual, Family & Group Health Insurance · Term Life Insurance for Physicians · Contact
Planning tools and preparation briefs
The planning toolkit uses the figures and choices you enter to show an educational scenario and a discussion checklist. It is not a premium calculation, a personal recommendation or a forecast of a claim payment. Check the inputs and assumptions before relying on a calculation in a conversation.
Preparing an AI discussion brief does not send it to an advisor or insurer. Review it before copying, printing or sharing. Copied text can remain on your clipboard after you close the page; printed or saved copies remain wherever you choose to keep them.
Read next: Physician Planning Toolkit · Privacy
Information you choose to share
Keep diagnoses, medical records, Social Security numbers, policy identifiers, financial account details and payment information out of AI chat, the inquiry form and ordinary correspondence. Use an insurer’s designated secure process for underwriting or payment details.
The inquiry form lets you ask Drs Choices to contact you by your selected method about the topic you choose. Review the privacy notice and consent before submitting. A submission confirmation means the email provider accepted the notification; it does not confirm that an advisor has read it. If delivery is uncertain, wait for a response before starting another inquiry. If you already have correspondence with Drs Choices, you can reply to that message. Do not use the inquiry form or AI chat to request a policy change, cancellation or claim action. Follow the instructions in your policy or contact the appropriate insurer or advisor for those requests.
Respectful and accurate use
Use the site without interfering with its availability or other visitors. Do not attempt to bypass access controls, submit malicious content, impersonate another person or provide information you are not entitled to share. Follow any instructions and authorizations required by an external provider.
When sharing a guide or brief, preserve the source, context and limitations. Do not present a guide passage or an illustrative calculation as an insurer’s offer, a personal recommendation or an approved coverage decision.
Questions, corrections and access
For a general question or possible error, select the general inquiry topic on the Contact page. Select accessibility for help using the site, or privacy for a question about information handling. The form requests contact details and a topic, without a free-text message. Keep the relevant page and details ready for the response. Keep sensitive policy and medical records out of an initial inquiry.
Features and content can change as guides are reviewed and updated, and a page or service may be temporarily unavailable. Check the current guide and provider instructions before making a decision. The privacy notice explains the current handling of chat, planning and contact information; the disclosures explain the limits of insurance information and shopping links.
Read next: Contact · Accessibility and Website Help · Privacy