Frequently Asked Questions

Payday advances are prohibited in 14 claims and the region of Columbia

Payday advances are prohibited in 14 claims and the <a href="https://paydayloanservice.net/">paydayloanservice.net/</a> region of Columbia

In Mississippi, as with the remainder country, the payday financing markets have invested huge amount of money lobbying to guard its welfare

Lee within Center for Justice mentioned it’s important to eliminate the general public understanding the just those who need fast finances financial loans are inadequate or those without steady paychecks. a€?Lots of individuals who get money monthly, like instructors and firefighters, find that there is a space, a few days at the conclusion of the thirty days when finally thirty days’s cover is fully gone, and they want a bridge mortgage until their own after that salary. Which is an easy way to have trapped within the brief obligations routine.a€?

Credit score rating choices like unique sources can’t come soon enough for places like Jackson. Within the last 5 years, the Republican-controlled Mississippi state legislature features beat many reform initiatives made to rein from inside the payday credit market, particularly a far-reaching plan of reform expenses last year that will has successfully banned payday credit inside county by capping permitted rates and charge.

Main among these are the startlingly higher interest rates and variety charge that render payday financing more lucrative than traditional consumer financial. On a recently available visit to an EZ Check Corp. storefront in Northeast Jackson, the greatest posted apr had been 572.30 per cent. Charges had been 20 percent regarding the amount borrowed.

Hundreds of thousands more folks in condition are a€?underbanked,a€? definition they may bring bank accounts, nonetheless they nonetheless rely on pay day loans, check cashing service, pawn retailers and cash orders to satisfy their own each day economic desires

But the thousands of grownups in Mississippi who don’t need a banking account, a scenario titled are a€?unbanked,a€? check cashing and payday advance loan are often truly the only economic solutions they have actually used. According to research by the FDIC, in 2014 almost half all Mississippi owners, 47 percentage, had been either unbanked or underbanked.

a€?The harms that payday providing leads to in a place like Mississippi are particularly particular harms, to a people which is currently susceptible on some fronts,a€? said Whitney Barkley, plan counsel at nonprofit heart for trusted Lending. a€?These individuals are low income, plus in Mississippi more than half of the people taking these debts were solitary females mind of families. Once the loans step out of control, then your garnishments set-in, and all of a-sudden there’s no funds for tools, state, or even for book or mortgage payments.a€? Because bills spiral, Barkley mentioned, a€?there is fewer and a lot fewer choices to bankruptcy proceeding.a€?

In the centre for the brand new origins Credit cooperation are a couple of Mississippi-based banking companies, BankPlus therefore the Hope society credit score rating Union, which provide their very own small-loan applications for borrowers which are lacking access to old-fashioned credit. Both training put half the whole amount borrowed into a free of charge checking account, with the spouse maintained hold, and obtainable just following entire loan might reimbursed. Borrowers has up to two years to pay back once again the BankPlus financing, in the place of two weeks, the conventional terms and conditions for a payday loan. BankPlus fees 5 per cent interest for financial loans of either $500 or $1,000, without costs.

Encouraging individuals over come reservations they will have about financial is paramount to fighting the routine of smooth credit and runaway personal debt. a€?These include those who aren’t familiar with banking, it hasn’t become children tradition together with them, therefore, the thought of getting into a company organization and switching more their funds to us and writing inspections, which is a foreign idea on their behalf,a€? mentioned Webb, the principle merchandising banking policeman at BankPlus. a€?They like the money in their own hand and spend they in 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.