Financial & Payment Terms
1. Estimates are estimates
Price information shown before booking — cash prices, copay estimates, total estimates — is labeled with its source and update date. An estimate is not a guaranteed final charge. Final charges may differ based on services actually rendered, coverage determinations, and provider billing.
2. Insurance and patient responsibility
Acceptance of a carrier does not guarantee in-network status. Benefit estimates are not guarantees of payment. Insurance participation and benefits must be confirmed for the specific provider, location, service, and appointment date. Patients may remain responsible for unpaid charges subject to applicable law and provider agreements.
3. Deposits, copays, and prepayment
Where a provider requires a deposit, estimated copay, or prepayment, the amount due today and the amount due at the appointment are shown separately before you confirm, along with applicable taxes. Nothing is charged that was not disclosed at booking.
4. Separately billed components
Some services involve separate charges from separate parties: professional fees, facility fees, anesthesia fees, laboratory fees, pathology fees, radiology interpretation fees, and platform fees where applicable. Cosmetic services are typically excluded from insurance and identified as such. The booking flow identifies known separate components; providers may bill components independently.
5. Payment authorization
By providing a payment method you authorize the disclosed charges and any accepted cancellation or no-show fee. Payment processing is handled by third-party processors; Spot Now does not store raw card numbers, CVV, or magnetic-stripe data. A transaction ledger, refund ledger, and receipts are maintained for your account.
6. Refunds
Refund amounts and expected timing are shown before you cancel. Provider-initiated cancellations are refunded per the Cancellation & Refund Policy. Partial refunds are itemized.
7. Cancellation and no-show fees
A cancellation or no-show fee may be charged only when the policy was clearly disclosed before booking, you accepted it, the charge is legally and contractually permitted, and the provider documented the qualifying event. Every such charge includes a dispute process.
8. Disputes and chargebacks
Raise billing disputes with support first — most are resolved with the provider through the reconciliation process. Chargeback rights through your card issuer are unaffected. Dispute evidence is retained per the audit policy.
9. Collections and financial assistance
[FOR COUNSEL REVIEW] Collections practices, notice requirements, and financial-assistance disclosures vary by state and provider type. Providers' own financial-assistance policies apply to their services; links are surfaced on provider profiles where supplied.