Frequently Asked Questions

The median quantity of revolving personal credit card debt per borrower was $3,391, the fifth-highest speed into the country

The median quantity of revolving personal credit card debt per borrower was $3,391, the fifth-highest speed into the country

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Payday lenders are not pleasant in Maryland. Over three decades back, their state’s legislature put a difficult 33 per cent interest rate cover on financial loans smaller compared to $6,000, in place banning the predatory exercise which has had bilked massive amounts from low-income consumers throughout the nation. But although Maryland legislators posses constantly battled to preserve usury defenses, obtainedn’t located a means to erase need for economic instruments like brief crisis progress or check-cashing providers, which offer quick reduction at an excessive long-term rate.

Relating to a recent review conducted by the firm for business Development, 25 percent of Maryland’s female-headed homes and 29 % of minority homes were a€?asset bad,a€? indicating her utter benefit can not cover standard expenses for a few period. And 22 per cent of most Maryland families lack a straightforward monitoring or savings account. Without cash in hold, these Marylanders find an personal payday loans Superior WI automible repairs or health costs can drive them into financial ruin.

This vibrant troubled several Baltimore community lenders, exactly who came across in 2007 at behest of Joan Lok-a people matters professional aided by the FDIC-to establish an inexpensive loan item geared towards the unbanked. 99 percentage interest (much cheaper than payday advance loan or the majority of credit cards), as long as individuals be involved in one monetary literacy training course and possess a savings profile.

Prior to now eighteen period, officials at region construction solutions of Baltimore, a nonprofit that administers this system, have actually distributed 107 financial loans to individuals desperate for a moderate funds infusion, from a grandma looking for college tools to consumers dealing with high cold weather power bills. In the beginning limited to five zip requirements on Baltimore’s Southeast part, Borrow and protect is now offered citywide and could expand to the related district as time goes on. To start with loan providers spotted fairly highest default rates-around 20 percent. After a few several months, they tightened up borrowing guidelines slightly and necessary that consumers attend a four-hour monetary literacy class before they certainly were offered their unique check. They were in a position to cut the default speed in two, that’s in accordance with other kinds of unsecured credit score rating, in accordance with the FDIC.

Although Borrow and protect is amongst the more sophisticated instances, close small-dollar financing programs have actually sprouted in patches across the nation. Final summer the FDIC complete a two-year pilot regimen with twenty-eight neighborhood banking institutions with started offer affordable financial loans with similar terms and conditions. Per Rae-Ann Miller, who correlated that research, many additional regional loan providers bring equivalent debts, even though they are not clearly designed or promoted as payday loans options.

Themselves, these items are too smaller to create big earnings for banking institutions or credit unions. But FDIC professionals learned that with sound underwriting and loyal customer support, financial institutions are able to keep delinquency rate under control and establish long-term interactions with this particular unexploited markets of consumers, an appealing prospect at any given time when earnings for every finance institutions try shrinking.

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Since the pilot wrapped up, Miller along with her colleagues currently learning tactics to scale up these tactics, such as sizes in which loans is provided through workplace as a worker perks. Democrats have previously tucked a provision into the financial change package providing you with financial establishments with rewards to parcel around affordable financial loans to 19 million unbanked Americans. And buyers supporters are lobbying neighborhood Reinvestment Act examiners to give small-dollar loan programs outsize price within their conformity evaluations.

From those talks appeared Borrow and Save, a program that provides customers emergency credit-between $300 and $1,000-at 7

For banking companies attempting to restore customers rely upon the wake of a greed-fueled economic crisis, its an opportune for you personally to try out these socially liable financing designs. And let’s face it-given the condition of the economy, prospective clients aren’t an issue.

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.