LEGAL
Terms & Conditions
Last Updated: January 2026 • Effective Since 2022
Welcome to Future Healthcare Insure. By accessing our website, booking an appointment, enrolling in a membership, or using any of our healthcare, wellness, or insurance advisory services, you agree to the following Terms and Conditions. Please read them carefully before using our services.
1. Service Agreement
Future Healthcare Insure provides healthcare, wellness, dental, dermatology, hair restoration, weight management, fitness coaching, and insurance advisory services to patients across the United States. These terms constitute a legally binding agreement between you ("Patient," "Member," or "User") and Future Healthcare Insure ("Company," "we," "us").
2. Eligibility
You must be at least 18 years of age to register for an account or purchase a membership. For patients under 18, a parent or legal guardian must complete registration and provide consent for treatment. By using our services, you represent that all information provided is accurate and complete.
3. Medical Disclaimer
Information provided through our website, newsletters, consultations, and patient portal is for general informational and educational purposes only. It is not intended as a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of your qualified healthcare provider with questions regarding medical conditions. Never disregard professional medical advice or delay seeking it because of content accessed through our services. In a medical emergency, call 911 immediately.
4. Telehealth Consent
Telehealth services are available across all 50 states where our physicians are licensed. By participating in telehealth consultations, you acknowledge and agree that:
- Telehealth involves the use of audio and video technology to deliver care remotely.
- Telehealth may have limitations compared to in-person care, including the inability to perform physical examinations.
- In the event telehealth is insufficient for your condition, an in-person referral may be required.
- You are responsible for ensuring a private, secure location for telehealth sessions.
- Telehealth sessions are recorded for clinical documentation only with your verbal consent at the start of each session.
5. Appointments & Cancellations
Appointments can be scheduled through our website, by phone, or by email. We reserve daily slots for same-day urgent appointments. Cancellations or rescheduling must be made at least 24 hours before the scheduled appointment to avoid a $35 late-cancellation fee. No-shows are billed at the full appointment rate. Memberships may include waived cancellation fees as a member benefit.
6. Membership & Billing
Membership tiers (Essential Care, Premium Wellness, Concierge Elite) are billed monthly in advance. Membership benefits are detailed on our pricing page and may be updated with 30 days notice. Membership can be cancelled by email or phone with 30 days notice — no retention calls, no exit fees. Refunds for partial billing periods are prorated and processed within 14 business days. Services rendered outside membership benefits are billed separately at published self-pay rates.
7. Insurance & Payments
For insured patients, we bill your insurance as a courtesy. You are responsible for any copays, deductibles, coinsurance, or non-covered services as determined by your plan. For uninsured patients, self-pay rates are published transparently and must be paid at the time of service unless a payment plan is arranged in advance. Unpaid balances over 90 days may be referred to a third-party collection agency.
8. Patient Responsibilities
To receive safe and effective care, you agree to:
- Provide accurate, complete medical history and current medication information.
- Inform your provider of any changes to your health, allergies, or medications.
- Follow the agreed-upon treatment plan and attend scheduled follow-ups.
- Treat all staff, physicians, and other patients with respect and courtesy.
- Maintain the confidentiality of any other patients you may encounter.
- Use telehealth technology responsibly and from a secure, private location.
Abusive, threatening, or disruptive behavior toward staff or other patients may result in termination of services with appropriate notice and transition of care support.
9. Intellectual Property
All content on this website — including text, graphics, logos, images, software, and design elements — is the property of Future Healthcare Insure or its licensors and is protected by U.S. and international copyright, trademark, and intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from our content without prior written consent.
10. Acceptable Use
You agree not to:
- Use our services for any unlawful purpose or in violation of any local, state, national, or international law.
- Attempt to gain unauthorized access to our systems, patient portal, or another user's data.
- Interfere with or disrupt our services, servers, or networks.
- Transmit viruses, malware, or any other malicious code.
- Impersonate another patient, healthcare provider, or company representative.
- Use automated tools to scrape, copy, or monitor our website without consent.
11. Limitation of Liability
To the maximum extent permitted by law, Future Healthcare Insure shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services. Our total liability for any claim arising from these terms shall not exceed the amount you paid us in the preceding 12 months. This limitation does not apply to claims of gross negligence, willful misconduct, or violations of HIPAA.
12. Indemnification
You agree to indemnify and hold harmless Future Healthcare Insure, its officers, directors, employees, and contractors from any claims, damages, losses, or expenses (including reasonable attorney fees) arising from your breach of these terms, your misuse of our services, or your violation of any law or third-party rights.
13. Third-Party Links
Our website may contain links to third-party websites or services that we do not own or control. We are not responsible for the content, privacy practices, or accuracy of third-party sites. Accessing third-party links is at your own risk.
14. Force Majeure
We shall not be liable for any failure or delay in performance caused by circumstances beyond our reasonable control, including acts of God, natural disasters, pandemics, war, terrorism, civil unrest, government actions, labor disputes, internet or telecommunications failures, or other force majeure events.
15. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of New Jersey, without regard to its conflict of law provisions. Any dispute arising from these terms shall be resolved in the state or federal courts located in Union County, New Jersey, and you consent to the exclusive jurisdiction of such courts.
16. Dispute Resolution
Before pursuing litigation, both parties agree to attempt good-faith resolution through direct negotiation. If unresolved within 30 days, disputes shall be submitted to binding arbitration in New Jersey under the rules of the American Arbitration Association, except for claims involving medical malpractice or HIPAA violations, which shall proceed through the appropriate legal channels.
17. Changes to Terms
We may modify these Terms at any time. Material changes will be posted on this page with an updated "Last Updated" date and, where appropriate, communicated via email to active members. Continued use of our services after changes constitutes acceptance of the revised Terms.
18. Severability
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
19. Entire Agreement
These Terms, together with our Privacy Policy, Membership Agreement, and any service-specific consents you sign, constitute the entire agreement between you and Future Healthcare Insure regarding the use of our services.
20. Contact
For questions about these Terms and Conditions, contact us at info@futurehealthcareinsure.info or call (732) 382-4078. Our legal team responds within three business days.
