Financial Policy

Transformational Life Consulting Medical

Overview

TLC Medical is a cash-pay telehealth practice. We do not accept or bill insurance. This policy explains how paying for your care at TLC Medical works. Please read it carefully so you know what to expect before you book a visit.

2. Fee Transparency

Our fees are listed on our Fee Schedule and available on our website, in your patient portal, and in your new-patient intake packet. You can also request a copy at any time.

3. Good Faith Estimate

We will provide you a Good Faith Estimate before every scheduled visit. It will list the services you will receive and the cost. If your final bill is more than $400 higher than the Good Faith Estimate, you have a right to dispute it. You have 120 days from the bill date, and we will never treat you differently for filing a dispute. Learn more at cms.gov/nosurprises.

4. Payment and Fees

You pay for your visit at the time of service. We require a valid payment method on file before we schedule you. We accept credit, debit, ACH, and HSA/FSA cards. Your card on file will only be charged for fees listed in the Fee Schedule, and we will notify you before any charges.

5. Self-Reimbursement

Upon request, if you would like to seek insurance reimbursement, we can provide you a superbill, or an itemized receipt with billing codes, that you can submit to your insurance. While some insurance companies will reimburse you, even partially, we cannot make any promises that your insurance will reimburse you at all.

6. Medicare

TLC Medical does not accept patients enrolled in Medicare at this time. If you are enrolled, we will refer you to a Medicare-accepting provider. If you become enrolled in Medicare while you are already a TLC Medical patient, we will help you find a new provider.

7. Cancellations, No-Shows, and Late Arrivals

We understand that life happens, and we will do our best to work with you. We ask that you please give us at least 24 hours' notice to cancel a visit. If you cancel with less than 24 hours' notice, we ask that you reschedule within 5 business days, or at least communicate with us. If we don’t hear from you or you are not scheduled within 5 days, or you did not show up to a scheduled visit, we will charge the full visit fee. If you arrive more than 15 minutes late, it may count as a no-show.

8. Refunds  

We refund payments when TLC Medical cancels a visit, when you cancel at least 24 hours in advance, or when we identify an overpayment. Refunds are processed to your original payment method within 14 business days. Credit card disputes follow your card company's rules.

9. Payment Plans and Financial Hardship

If you are having financial hardship, please reach out to us to explore payment options. We review each request individually.

10. Failed or Returned Payments

If your payment does not go through, we will let you know. You have until your scheduled appointment to resolve it. There is a $35 fee for a returned payment. If it is not resolved, we may have to reschedule your appointment.

11. Outstanding Balances and Collections

If a balance is unpaid 30 days after your visit, we send a written reminder. We may require that the balance is paid or a payment plan is set up before scheduling additional visits. At 60 days, we may refer the balance to a collections service.

12. Internal Billing Disputes

If you think you were charged in error, contact us immediately. We will review your concern and respond in writing within 14 business days. We will not send a disputed amount to collections while we are reviewing it.

13. Financial Responsibility for Minors

When care is given to a patient under 18, the parent or legal guardian who signs this policy is responsible for all charges for that child.

14. Policy Updates

TLC Medical may update this policy from time to time, and you will be notified in advance of any important changes. Changes will be posted on our website.

15. Contact

If you have questions about this policy, the Fee Schedule, or your bill, contact the TLC Medical Support Team at [email protected] or (602) 905-5155.

16. Patient Acknowledgment in the Portal

I acknowledge that I have read, understand, and by accepting TLC Medical Services, I agree to the Financial Policy described above, including the Good Faith Estimate rights notice.