Frequently Asked Questions

Payday advance loan are currently banned in 14 states and District of Columbia

Payday advance loan are currently banned in 14 states and District of Columbia

In Mississippi, as in the remainder country, the payday credit market have spent huge amount of money lobbying to protect its welfare

Lee from the middle for fairness mentioned it is important to cure the public opinion that only people who wanted quick earnings financial loans will be the very poor or those without constant paychecks. a€?Lots of people that receives a commission once per month, like coaches and firefighters, find that absolutely a space, several days after the thirty days when last month’s cover is gone, and so they need a bridge loan until their own further salary. Which is an easy way getting stuck for the short-term obligations period.a€?

Credit alternatives like unique origins are unable to appear soon enough for spots like Jackson. Within the last five years, the Republican-controlled Mississippi county legislature has defeated some reform initiatives made to rein from inside the payday financing sector, such as an extensive package of reform costs in 2011 that will have actually effectively banned payday financing into the county by capping allowable rates of interest and charges.

Head among they are the startlingly large interest levels and array charge that will making payday credit far more rewarding than old-fashioned customers banking. On a recent trip to an EZ Check Corp. storefront in Northeast Jackson, the highest posted annual percentage rate was 572.30 %. Fees are 20% from the loan amount.

Hundreds of thousands more folks in the condition become a€?underbanked,a€? meaning they could has bank account, however they nevertheless use payday loans, check cashing service, pawn shops and money requests to meet up their unique everyday monetary needs

But the thousands of people in Mississippi who don’t have actually a banking account, a scenario known as are a€?unbanked,a€? check cashing and payday loans are usually the only monetary solutions they have previously utilized. According to research by the FDIC, in 2014 almost half all Mississippi citizens, 47 per cent, had been either unbanked or underbanked.

a€?The harms that payday lending trigger in somewhere like Mississippi are certain harms, to a populace which is currently susceptible on numerous fronts,a€? said Whitney Barkley, rules advice on nonprofit Center for Responsible Lending. a€?These people are low-income, and in Mississippi over fifty percent of those who take away these financing are single girls head of households. Whenever financial loans escape control, then your garnishments occur, causing all of a-sudden there isn’t any funds for tools, state, and for book or home loan repayments.a€? Once the bills spiral, Barkley mentioned, a€?there were less and less options to bankruptcy.a€?

In the centre associated with brand new origins credit score rating Partnership are a couple of Mississippi-based banking institutions, BankPlus plus the desire area Credit Union, which offer their own small-loan products for consumers which lack use of old-fashioned credit score rating. Both programs put half the total loan amount into a totally free checking account, because of the partner kept on hold, and obtainable just following entire loan might reimbursed. Individuals have to two years to pay right back the BankPlus loan, rather than fourteen days, the traditional terms and conditions for a payday loan. BankPlus expenses 5 per cent interest for loans of either $500 or $1,000, and no fees.

Aiding visitors to conquer reservations they’ve about banking is paramount to combating the installment loans in mobile NV routine of easy credit score rating and runaway loans. a€?These become those people who aren’t knowledgeable about financial, it’sn’t started a household traditions with these people, so that the concept of coming into a small business organization and turning more than their money to united states and composing inspections, that is a different tip on their behalf,a€? stated Webb, the main shopping financial officer at BankPlus. a€?They such as the money in their own hand and invest they that way.a€?

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.