Frequently Asked Questions

A lot of us into the circumstances such as these which need additional cash get a hold of selection

A lot of us into the circumstances such as these which need additional cash get a hold of selection

An average Western household members commonly spend $900 which yuletide season. When you are one of many fortunate twenty-two % off People in america who becomes a bonus in 2010 – that is most likely what you’ll use. Maybe you have seen advertisements in this way that: A https://paydayloanservice.net/installment-loans-nc/ camera zooms inside and out shooting specific pretty sweet vehicles and you will autos. Automobile customers point out bumper graphics you to reflect its personalities. The images available elizabeth: for individuals who individual your car, borrow funds regarding united states. Only why don’t we keep your automobile identity due to the fact coverage.

Kyra Speights got an iffy impact whenever she lent $2,800 within the 2012 from a pay-day lending company. She claims it actually was a crisis.

Speights was a middle income girl in her own 40s. She’s your state work which have great features, however, she has zero savings. When the woman just daughter shared with her she was a student in a rigid spot, Speights sprung into the step.

“She could’ve started stick to me if she was in Tx,” Speghts states. “She is within the university during the Kentucky, their lifestyle disease was at jeopardy. Therefore me, due to the fact the woman mother, Used to do everything i must carry out getting my personal guy.”

“It gave me $dos,800 and i believe I’ve repaid these folks nearly $5,one hundred thousand,” she claims. “I am not also through investing on financing.”

She has just named to find out what her equilibrium is. “[The brand new clerk] says, really, only give us $1,100. They have the term to my automobile, thus, technically they own my vehicle.”

She plans to get a loan using St

Ehrlich is by using St. Vincent de Paul, an effective Catholic ministry which, during the last year or so, become paying the newest costs of people like Kyra Speights.

“I basically work on a cards Connection,” Ehrlich states. “I collateralize and you may co-ensure the funds and transfer higher desire finance to the low interest rates borrowing from the bank connection fund.”

When the she were to repay their loan today she would possess paid down 200 % desire on the fresh loan

“This really is unbelievable. One of the most exiting pieces happens when your name individuals and you state ‘Guess just what? You made your last payment and you’re done.’ And [there are] numerous hugs and you will larger woo-hoos.”

She sees it a good ministry. She claims dioceses along side condition regarding Este Paso so you can Houston are putting the brand new finishing touches on the high in order to low interest sales apps.

Martha Hernandez meets me during the reception of your Austin Area Hallway. This woman is a display screen on the town. Hernandez tells me of a few hit a brick wall tries to outlaw the new $3 billion industry one pay day loan providers depict for the Texas. However, metropolises particularly Austin is actually using the head.

“I think there are throughout the 27 otherwise twenty-eight places along the state away from Tx which have adopted ordinances one handle the latest team front side,” Hernandez states. “Addititionally there is ordinances one to deal with where these firms should be discovered.”

For-instance, into the Austin, there was a limit about how many times a loan can be revived. Individuals need to be vetted and you will deemed able to pay. If companies dont follow, Hernandez takes these to legal.

Speights are position, but scarcely. I had not noticed in advance of, but she hunches herself to walk and you can limps sometime. She’s an in the past injury and her right knee pops aside regarding place.

“I’m able to tune in to it and i can feel they – break, thump, crack, thump – every step I just take,” she claims.

Inspite of the issue, Speights are providing computed measures into the are loans free. Vincent de- Paul and you can hopes to help you be considered before the girl financial takes possession out-of this lady vehicles – an emergency she says she cannot endure.

What is Telemedicine?

Telemedicine is a service which allows health care professionals to evaluate, diagnose and treat patients using telecommunications technology.

Why should I use GoLiveDoc?

GoLiveDoc offers 24/7 medical consultations with board-certified doctors. You can use our platform from where you live, work or when you travel in the US. We also offer 24/7 behavioral health counseling for no additional fee. Health records are kept private and secure in order to protect your personal information.

How does GoLiveDoc Help?

GoLiveDoc gives you 24/7 access to board-certified doctors through secure online video or phone consultations – anytime, anywhere. GoLiveDoc is a low-cost, convenient alternativ e to Urgent Care visits or waiting several days to get an appointment with your Primary Care Physician for non- emergency medical conditions. Our doctors can diagnose your symptoms, recommend treatment […]

What happens after I complete the checkout process?

Once you have selected your plan and completed the checkout process, you will receive an email with your login credentials for the customer portal. You can use the customer portal to schedule appointments, update your electronic health records, see your consultation history or add dependents to your account.

How much does GoLiveDoc Cost?

The monthly membership fee ranges from $9.95 to $39.95 (depending on the plan you choose). The consultation fee is only $35. You can cancel your membership at any time for any reason.

If I have insurance, do I still need to pay the membership fee?

GoLiveDoc charges all members a small monthly fee.

How do I cancel my membership?

You can cancel your membership at any time for any reason. To cancel your membership, please call (888) 386-1037 or send an email to [email protected]

Does a patient have to meet with a provider in-person before a telemedicine consultation can be scheduled?

No, an in-person visit is not required before a visit can be conducted via telephone or video.

What does GoLiveDoc Treat?

We treat a variety of medical conditions. Common conditions we prescribe medication for are Cold & Flu, Pink Eye, Skin Irritation/Rash, Urinary Tract Infection, Diarrhea, Stomach Virus, Fever, Headaches and Sore Throat.

Are there Medical Conditions GoLiveDoc Cannot Treat?

There are some medical conditions that our doctors are unable to treat, including but not limited to: Broken Bones, Chronic Diseases, Erectile Dysfunction, Genital Herpes, Hair Loss, Hot Flashes, Premature Ejacuation, Smoking Cessation, STD Testing.

Can I be turned down for a pre-existing condition?

No, members are not turned away because of pre-existing conditions. GoLiveDoc is not an insurance.

Can GoLiveDoc Treat Emergencies?

GoLiveDoc Is Only For Non-Emergency Medical Issues Members Should Not Use It If They Are Experiencing A Medical Emergency. Please Dial 911 If You Are Having A Medical Emergency. GoLiveDoc Is Also Not Intended To Replace A Member’s Primary Care Physician.

Is GoLiveDoc For Emergency Situations?

GoLiveDoc Is Only For Non-Emergency Medical Issues Members Should Not Use It If They Are Experiencing A Medical Emergency. Please Dial 911 If You Are Having A Medical Emergency. GoLiveDoc Is Also Not Intended To Replace A Member’s Primary Care Physician.

Can I use it for my family?

The primary member and 7 immediate family members or household members will have access to consults. 

Do I talk to “real doctors”?

Yes. Members only talk to actual doctors who are state-licensed family practitioners, primary care physicians, internists and pediatricians. When members request a consult, they will be connected with a doctor licensed and practicing in their state.

What Type Of Doctor Or Specialist Can I Speak With?

Members Can Talk To A Doctor Directly. Our Doctors Are Licensed In Internal Medicine, Family Medicine And Pediatrics. A Doctor May Also Provide Guidance On The Type Of Specialist A Member Should See.

Can GoLiveDoc prescribe medications?

Yes, GoLiveDoc can prescribe medication for non-controlled substances. A list of controlled substances can be found here.

Are there Medications GoLiveDoc Cannot Prescribe?

We do not prescribe controlled substances and medications that would require in-person examinations, e.g. Antidepressants, birth control, medical marijuana, stimulants such as Adderall and Ritalin, narcotics or sedatives. Our Counselors cannot prescribe medications for mental health purposes.

Does GoLiveDoc Offer Access To Mental Health Professionals?

All Membership Plans Include 24/7 Behavioral And Mental Health Counseling. All Of Our Counselors Have A Master’s Degree And At Least 12 Years Of Experience.

Is there an extra fee to access mental health professionals?

There is no additional fee to speak with mental health professionals.

How does GoLiveDoc handle bloodwork, imaging, labs and other tests?

You can upload all bloodwork, imaging, labs and other tests to our secured portal for our doctors to view to help with diagnosing and treating your medical conditions.

Is My Electronic Health Record Kept Private?

Health Records Are Kept Private And Secure In Order To Protect Members’ Personal Information. Only Members Can Determine Who Can See The Information In Their Records.