Terms of service

Service and scope

Plain Spoken Health offers education and visit preparation based on existing written cardiology records and documented recommendations. Neither the $350 initial review nor the $150 follow-up provides a clinical second opinion, diagnosis, treatment, prescriptions, monitoring, or emergency care. Our agreed role is limited to this educational service. Your treating clinicians direct your care. Legal rights and professional duties depend on the actual service and applicable law. Nothing in these terms excludes rights or duties that cannot lawfully be excluded.

Eligibility and acceptance

The service is for adults aged 18 or older in New York. We confirm eligibility and scope before accepting a case. A website visit or inquiry does not mean that your case has been accepted. We may request more information through an approved method, narrow the scope with you, or decline cases that do not fit the service. Declined requests are not charged.

The $350 package

• Up to 40 relevant pages of written records
• One main cardiology question
• A 30-minute phone or video call with a physician
• A plain-language written summary
• A printable medication list organized from your records and conversation
• Questions to bring to your treating team
• One clarification requested within 7 days of your summary

The service addresses one main cardiology question. It excludes independent interpretation of original imaging, new testing, ongoing messaging, and treatment decisions. A clarification is about the original question; a new question or new records may require a new scope agreed in advance.

The $150 follow-up review

The $150 follow-up review is for new records or an updated recommendation about the same main question as your original review. Request it within 90 days of your original summary.

• Up to 10 new relevant pages, read alongside the original review.
• A 20-minute phone or video call with a physician.
• A short written update explaining what the new records add and questions for your treating team.

The call and written update are completed within 48 hours of acceptance, payment, and complete records, including weekends and holidays. If you choose a later call, we agree a revised deadline when scheduling.

The original $350 review includes one clarification requested within 7 days of that summary, with a reply within 48 hours. There is no extra charge to explain something in that original review. The $150 follow-up is for new material that needs another review; it does not include ongoing messaging or monitoring.

A request more than 90 days after the original summary or a different main question is considered for a new $350 initial review. Larger packets require an agreed scope and price before work begins.

Optional $75 record collection

As an optional $75 flat fee add-on to the $350 review, we request the agreed records from up to two practices or record holders. One records department counts as one source. You can also gather your own records using the checklist and pay no collection fee.

• One records request to each agreed source, using your signed authorization.
• Up to two follow-up contacts per source if records are still outstanding, over 30 calendar days from the first request.
• A check for readable files and duplicate copies, plus a document list organized by report type and date.
• A closing update showing what arrived and what is still missing.

This is an administrative service. It does not include a physician call or medical interpretation. It does not increase the review limits of 40 pages for an initial review or 10 new pages for a follow-up.

Authorize the optional $75 add-on with your $350 review. The combined $425 is charged only upon physician acceptance. We confirm the sources, requested reports, and secure delivery details before sending requests. Once payment and a complete signed release are in hand, we send the initial requests within 48 hours.

Outside practices control when they release records. Collection can take longer than 48 hours, and we cannot guarantee that a practice will supply every requested report. The physician review's 48-hour clock starts only after acceptance, payment for that review, and receipt of all agreed records. We close the collection request within 30 calendar days of the first request, or sooner when the agreed records arrive.

The $75 fee is an optional add-on charged with the accepted $350 review; it is not a standalone purchase. Any fee charged by a record holder is also separate; we ask for your written agreement before incurring it. Additional sources require a separate quote that you approve first.

Phone and video appointments

Choose phone or video when scheduling after physician acceptance and successful payment. The initial review is $350 for a 30-minute call and written summary. The follow-up review is $150 for a 20-minute call and written update. Phone and video cost the same within each package. Choose an available appointment in your account. If you choose video, we send joining instructions before the appointment. If you have trouble connecting, we can switch to phone with your agreement.

A family member or support person may join with your permission at no extra charge. This does not extend the appointment of 30 minutes for an initial review or 20 minutes for a follow-up, or change the agreed question.

Second-opinion connections

If you want another cardiologist to assess your diagnosis or treatment options, please get in touch. We can help connect you with a clinician who offers second opinions. You do not need to buy an educational review to ask for this help.

The second opinion is a separate clinical consultation. The receiving practice confirms whether it can accept your case, its fees, and appointment availability. Our 48-hour review promise does not apply to that appointment.

A referral connection does not include a clinical assessment by Plain Spoken Health. The receiving practice is responsible for its consultation and any care it agrees to provide. Applicable legal duties remain in effect.

Record limits

Use the checklist to send a focused set of complete reports. We make a brief check that the packet fits your question before accepting it. The initial review covers up to 40 relevant pages; the follow-up covers up to 10 new relevant pages. Tell us before sending a larger packet.

We do not add automatic overage fees or silently omit necessary records. If the question needs more material than the package allows, we agree a narrower scope or decline it. The optional $75 collection service covers obtaining and indexing the agreed reports, not sorting an entire medical archive or expanding the review's page limit.

Timing and payment

There is no fee for an initial inquiry. Before acceptance, you save a card and authorize the review fee. For the initial review, you may also authorize the optional $75 record-retrieval add-on, for a combined $425. The card is charged automatically only upon physician acceptance. A declined request is not charged. After acceptance and successful payment, you schedule your phone or video call. Retrieval is an add-on to the $350 review, not a standalone purchase.

Your call and written summary are completed within 48 hours after your case is accepted, payment is received, and all agreed records are in hand. The 48 hours include weekends and holidays. Your portal shows the start time, appointment, and summary deadline.

If you prefer a later call, we agree a revised summary deadline with you when scheduling. Gathering records happens before the 48-hour window begins.

We respond to initial inquiries within 48 hours. A clarification requested within 7 calendar days of the summary also receives a response within 48 hours. These periods include weekends and holidays. There are no fixed office hours; appointments are selected in your account after acceptance and successful payment. This service must not be used to delay time-sensitive care.

Cancellations, rescheduling, and refunds

• Before the call: cancel before the scheduled start for a full refund of the applicable $350 initial-review or $150 follow-up fee, including when record review has begun.
• Missed appointment: reschedule once at no extra charge, or request a full refund before the replacement call starts.
• After a completed call: payment is generally nonrefundable, provided we deliver the included written summary. No particular medical outcome is promised.
• If we cancel or cannot deliver: you receive a full refund.
• If we miss a confirmed call or summary deadline: you may accept a revised date or request a full refund. You do not have to accept a revised date.
• Processing: we initiate approved refunds to the original payment method within 48 hours. Your payment provider controls when the credit appears.

Email hello@plainspokenhealth.com with “Cancellation” or “Refund request” in the subject and enough nonmedical information to identify your booking. Do not include card numbers or health information. Applicable statutory rights are not limited by this policy.

Record-collection cancellation and refunds

Cancel before we send the first records request for a full $75 refund. After the first request is sent, the fee is nonrefundable if we carry out the agreed requests and follow-up work, even if a practice delays, declines, or cannot supply records. If we cancel or fail to perform the agreed collection work, we refund the $75 fee.

Canceling a physician review does not automatically refund collection work already performed. Refunds for the $350 initial review and $150 follow-up are handled separately under the review cancellation policy. We initiate approved refunds within 48 hours; your payment provider may take longer to post the credit. Applicable statutory rights remain unaffected.

Insurance and account reimbursement

The package is self-pay and we do not submit insurance claims. We can provide an itemized receipt. Insurance reimbursement and FSA/HSA eligibility are not guaranteed; confirm with your plan administrator before payment.

Your records and participation

Only provide records you are entitled to share. Use your patient account for approved uploads and follow the instructions shown there. Do not send medical records by ordinary email or through the public information pages. You are responsible for identifying the question, supplying accurate and complete relevant written records or authorizing the agreed collection requests, and obtaining permission for other participants. Incomplete information may prevent a useful review.

The medication list organizes documented or reported use. We mark unclear or conflicting details for confirmation; we do not change prescriptions or certify that an incomplete list is complete. Ask your prescribing clinician or pharmacist to resolve medication questions.

Website content and use

Public guides and sample cases are general education. You may print the checklist and samples for personal use. Do not present a sample as your own medical assessment, attempt unauthorized access, or interfere with website operation. Links to other websites open in a new tab and do not imply endorsement or affiliation.

Changes and questions

We may update these terms for future requests by posting a revised effective date. Changes do not retroactively reduce the scope or refund rights of an already accepted, paid review. Questions can be sent to hello@plainspokenhealth.com.