Frequently Asked Questions

However some store and corporate staff members say this program is actually polarizing

However some store and corporate staff members say this program is actually polarizing

Some employees reveal growing unease with a€?Progressive renting,’ and that’s on offer to customers who don’t qualify for the retailer’s credit card

Better Buy last springtime started providing a splashy lease-to-own program to visitors who had previously been rejected for its shop credit card. Modern Leasing, executives stated, would assist cash-strapped shoppers purchase big-ticket products they mightn’t normally pay for.

a€?This is a good provide,a€? leader Corie Barry stated in a profits phone call just last year. a€?It’s ideal for all of our brand. It’s perfect for our very own visitors.a€? In addition could make 10s of huge amount of money in revenue every year, interior papers show.

Matt Furman, a spokesman for any Minneapolis-based organization, said the program produces an important service

They deal they preys regarding sequence’s most financially prone buyers, who frequently end up spending twice record rate for electronic devices, devices and smartphones.

Members have to shell out an one-time $79 charge and allow advanced renting to gain access to their monitoring makes up about the payments – which are instantly taken and timed with the regularity regarding paychecks – for 12 months. Towards the end of the season, they will bring compensated 2.09 era the purchase price, in accordance with interviews with visitors and workforce, and leasing contracts received because of the Washington blog post. Early repayment can reduce the ultimate expenses, even though the $79 cost are nonrefundable.

a€?It feels abusive and gross,a€? said an old assistant shop manager who was here for your program’s establish. The guy talked on problem of privacy because he’s still in the businesses payroll. a€?You check out the words therefore we tend to be charging more than $2,000 for a $1,000 item.”

a€?If they were not for a lease-to-own system at our very own stores, a number of these people will be creating these acquisitions from rent-to-own stores or utilizing payday advance loan,a€? the guy stated. a€?Our view would be that they are plainly bad choices.a€?

Tens of thousands of finest purchase visitors purchased modern renting over and over again before season, the guy stated, noting it really is a€?very commona€? for shoppers to pay off their particular purchases within ninety days – a limit that confines the ultimate expenses on the $79 charge and get cost.

Better purchase given cost evaluations of the goods with those available by a prominent lease-to-own providers. An Acer Chromebook that sells for $199 at Best purchase payday loans Ohio, like, would costs $495 over 12 months with advanced rental. At Rent-A-Center, it might price approximately $860, in accordance with their web site. That exact same purchase about Best purchase Citibank credit card – which has a 27 percent interest rate and requires a monthly minimal fees of $29 – would costs $218 over eight period, in accordance with Ted Rossman, a market specialist at Creditcards.

Greatest purchase is actually among an ever-increasing set of stores integrating with outside businesses to supply delayed-payment and lease-to-own products to draw young and lower-income buyers which might possibly not have bank accounts or a good credit score. Target, J. Crew, H&M as well as others tend to be integrating with providers instance Affirm, Afterpay, Sezzle and Klarna on this type of programs, which pros say have actually acquired in past times decade as latest charge card accountability procedures have made it more challenging for customers – specifically those with spotty or no credit score rating records – to qualify for bank cards. A number of these products do not demand interest or costs immediately, though that alter if consumers get behind.

Progressive rental, it is said, alerts a new serious in the manner stores conduct business. This program – and that is had by rent-to-own furniture string Aaron’s – in essence buys the item and leases it with the buyer. Finest Buy becomes settled at once, while advanced renting assumes any danger of nonpayment. This system is provided at more than 30,000 sites by many of the state’s largest stores, such as Lowe’s, Big plenty and Kay Jewelers.

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.