Direct Medical Care Agreement “Apple Care”

Effective Date: Upon enrollment

Parties: This agreement is between Apple Healthcare Group (“the Practice”) and the enrolling patient (“the Patient”).

Enrollment

By enrolling, the Patient agrees to become a member of the Practice’s direct medical care program (“Program”). Membership includes only the services listed in Exhibit A: Covered Services and Fees. The Practice may update or change covered services with 30 days’ notice.

Fees and Term

Patient agrees to pay a subscription fee as outlined in Exhibit A, choosing either a monthly or annual option. Subscription fees are not considered earned until the end of each calendar month. This agreement auto-renews unless terminated as described below.

Non-Covered Services

Patient is responsible for charges related to care received outside of the Practice’s physical location, as well as services not listed in Exhibit A. The Practice encourages patients to maintain health insurance for unexpected or catastrophic events.

Insurance

This agreement is not health insurance and is not regulated as such in Tennessee. The Practice does not submit claims to insurance, and patients may not request reimbursement for subscription fees.

Medical Savings Accounts

Fees under this agreement are generally not eligible for payment or reimbursement from HSAs, FSAs, HRAs, or similar accounts. Patients should consult with a health benefits advisor.

High Deductible Health Plans

Fees paid under this agreement may not count toward insurance deductibles. Patients should consult with their insurer for clarification.

Termination of Agreement

– By Practice: The Practice may terminate this agreement with written notice and will assist in the transfer of records if requested.
– By Patient: The Patient may terminate at any time with written notice. Termination becomes effective at the end of the current calendar month.
– Refunds: Any unearned fees will be returned upon termination.

Medicare and TennCare Patients

Patients with Medicare or TennCare may not contract for services covered by those programs. Non-covered services may still be included under this agreement.

Entire Agreement

This document contains the full agreement. Changes must be in writing and signed by both parties.

Change of Law

If changes in law affect the terms or operation of this agreement, the Practice may renegotiate or terminate the agreement with notice.

Governing Law

This agreement is governed by the laws of the State of Tennessee.

Assignment

This agreement may not be assigned by the patient without written consent. It is binding upon successors and legal representatives.

Required Disclosures (Health Care Empowerment Act)

– This is not health insurance.
– Uninsured patients may still face tax penalties for lack of insurance coverage.
– ACA-compliant plans already provide certain preventative services at no cost.
– Payments under this agreement may not count toward insurance deductibles or out-of-pocket limits.
– Patients should consult with their insurer before enrolling.
– Physicians who breach this agreement may be subject to legal or licensing consequences.

By continuing, the Patient acknowledges and agrees to the terms above.