DISCLAIMER
Updated: 01/18/2025
WEBSITE PRODUCTS AND SERVICES
We cannot guarantee any results or outcomes if you choose to purchase a workshop e-kit, an e-book, an e-packet of information, or any other products, documents, programs, or professional services offered on this website. As with any business-related program, product, or service you purchase, your results may vary and will be based on many variables, thus no guarantees can be made. You agree that JKS Therapy Services, LLC and employees or affiliates are not responsible for the success or failure of your personal life decisions, goals, and relationships, business decisions, the increase or decrease of your finances or income level, your well-being or the well-being of your clients, or any other result or consequence of any kind that you may have as a result of information presented to you through our website, blog, social media, or our programs, products, and services. You are solely responsible for the outcomes, consequences, and results for your life, life choices, business, business clients, and all other related aspects of your life, business, and well-being.
All JKS Therapy Services, LLC website products are final sales and are non-refundable.
RESTRICTIONS ON THE USE OF MATERIAL
While we believe the information, products, materials, resources, services, and documents provided on and through the Site to be factual and accurate, we cannot guarantee that they are. The information, products, materials, resources, services, and documents within this Site are not intended to be a substitute for legal, financial, professional medical, or mental health advice, diagnosis, or treatment. Reliance on the information or documents contained within the Site is solely at your own risk.
Because you may reside in a different part of the country, and the law varies by state, as the law is constantly changing, it is important to understand that it affects each individual and business in different ways. As a result, if you seek services or products to support you or your business, it is recommended you seek outside financial and/or legal counsel relating to your specific circumstances as needed. If you have legal and financial questions or concerns, it is advisable to consult with your tax accountant or lawyer for all questions and concerns you have, may have, or hereafter have regarding any information, products, and services presented or sold by JKS Therapy Services, LLC website, products, services, and programs pertaining to your specific legal or financial situation.
SITE CONTENTS AND COPYRIGHT USE
The contents of this Site are protected by national and international copyright and trademark laws and are the property of JKS Therapy Services, LLC. You may not change or delete any author-credit, trademark, legend, proprietary, or copyright notices. You must follow and observe all additional copyright notices or other restrictions contained within any parts of the Site. You may not modify, copy, publish, display, transmit, reverse-engineer, adapt, or in any way exploit the content within the Site, except as necessary to perform the function on the Site, unless you request and receive prior written permission from us or the owners. To request our permission, contact us at jill@jkstherapy.com
PROFESSIONAL SERVICES
It is important that you do not disregard professional medical advice or delay seeking professional therapy support or advice because of information you have read on the JKS Therapy Services, LLC website, blog, newsletter, social media, mailing information, products, or information you have received from JKS Therapy Services, LLC through any means whatsoever. Nothing on the JKS Therapy Services, LLC website, blog, social media, programs, products, webinars, and services shall be interpreted as entering you into a therapeutic, counseling, spiritual advising, legal advising, coaching, or supervision relationship with Jill K. Shirley, or any employee or affiliates of JKS Therapy Services, LLC.
DISCLAIMERS
JKS Therapy Services, LLC assumes no responsibility for how you use any information, services, products, or documents provided through this Site. Nothing contained within this Site shall constitute professional advice for medical diagnosis or treatment. Nothing contained on this Site shall constitute supervision or coaching advice. None of the information available on this Site shall be construed as an endorsement, guarantee, representation, or warranty concerning any medical practitioner or medical treatment. Use of the Site is at your own risk.
This Site is provided “as is.” We disclaim all warranties – express, implied, or statutory, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. Neither JKS Therapy Services, LLC, its employees, nor any of its respective affiliates, licensors, or suppliers warrant that any functions contained in the Site will be uninterrupted, error-free, virus-free, or free from harmful components, or that defects will be corrected.
Neither JKS Therapy Services, LLC or any of its respective affiliates, licensors, or suppliers warrant or make any representations regarding the use or the results of the use of the materials in this Site in terms of their correctness, accuracy, reliability, or otherwise. You (and not JKS Therapy Services, LLC or any of its respective affiliates, licensors, or suppliers) assume the entire cost of all necessary servicing, repair, or correction.
Applicable law may not allow the exclusion of implied warranties, so the above exclusion may not apply to you.
LIMITATION OF LIABILITY
Under no circumstances, including but not limited to negligence, will JKS Therapy Services, LLC or any of its respective affiliates, employees, licensors, or supplies be liable for any damages – whether direct, special, or consequential – that result from the use of, or the inability to use, the materials, services, products, or programs on th Site, even if advised of the possibility of such damages. In no event shall JKS Therapy Services, LLC, its employees, any of its affiliates, or any of its respective licensors or suppliers have any liability for any damages, losses, and causes of action (whether in contract, tort, or otherwise).
INDEMNITY
You agree to defend, indemnify, and hold harmless JKS Therapy Services, LLC, its representatives, officers, directors, and employees from all liabilities, claims, costs, and expenses, including attorneys’ fees, that arise from your use of the Site, the Site’s blog, products, programs, services, your posting, downloading, or transmission of communications or material on this Site, or from your violation of applicable law.
YOUR RIGHTS AND PROTECTIONS AGAINST SURPRISE MEDICAL BILLS
(OMB Control Number: 0938-1401)
When you get emergency care or get treated by an out-of-network provider at an in-network hospital or ambulatory surgical center, you are protected from surprise billing or balance billing.
What is “balance billing” (sometimes called “surprise”)?
When you see a doctor or other health care provider, you may owe certain out-of-pocket costs, such as copayment, coinsurance, and/or a deductible. You may have other costs or have to pay the entire bill if you see a provider or visit a healthcare facility that isn’t in your health plan’s network.
“Out-of-Network” describes providers and facilities that haven’t signed a contract with your health plan. Out-of-network providers may be permitted to bill you for the difference between what your plan agreed to pay and the full amount charged for a service. This is called “balance billing”. This amount is likely more than in-network costs for the same service and might not count toward your annual out-of-pocket limit.
“Surprise Billing” is an unexpected balance bill. This can happen when you can’t control who is involved in your care–like when you have an emergency or when you schedule a visit at an in-network facility but are unexpectedly treated by an out-of-network provider.
You are protected from balance billing for: Emergency services
If you have an emergency medical condition and get emergency services from an out-of-network provider or facility, the most the provider or facility may bill you is your plan’s in-network cost-sharing amount (such as copayments and coinsurance). You can’t be balance-billed for these emergency services. This includes services you may get after you’re in stable condition unless you give written consent and give up your protections not to be balanced billed for these post stabilization services.
Certain services at an in-network hospital or ambulatory surgical center.
When you get services from an in-network hospital or ambulatory surgical center, certain providers there may be out-of-network. In these cases, the most those providers may bill you is your plan’s in-network cost-sharing amount. This applies to emergency medicine, anesthesia, pathology, radiology, laboratory, neonatology, assistant surgeon, hospitalist, or intensivist services. These providers can’t balance bill you and may not ask you to give up your protections not to be balance-billed.
If you get other services at these in-network facilities, out-of-network providers can’t balance bill you unless you give written consent and give up your protections.
You’re never required to give up your protection from balance billing. You also aren’t required to get care out-of-network. You can choose a provider or facility in your plan’s network.
When balance billing isn’t allowed, you also have the following protections:
You are only responsible for paying your share of the cost (like the copayments, coinsurance, and deductibles that you would pay if the provider or facility was in-network). Your health plan will pay out-of-network providers and facilities directly.
Your health plan generally must:
Cover emergency services without requiring you to get approval for services in advance (prior authorization).
Cover emergency services by out-of-network providers.
Base what you owe the provider or facility (cost-sharing) on what it would pay an in-network provider or facility and show that amount in your explanation of benefits.
Count any amount you pay for emergency services or out-of-network services toward your deductible and out-of-pocket limit.
If you believe you’ve been wrongly billed, you may contact:
Iowa Department of Public
Health, Lucas State Office Building
321 E. 12th Street, Des Moines, IA 50319-0075
Phone: 515-281-7689
Visit https://www.cms.gov/files/document/model-disclosure-notice-patient-protections-against-surprise-billing-providers-facilities-health.pdf for more information about your rights under Federal law.
You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost.
Under the law, healthcare providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.
You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.
Make sure your healthcare provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.
If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.
Make sure to save a copy or picture of your Good Faith Estimate.
For questions or more information about your right to a Good Faith Estimate visit:
www.cms.gov/nosurprises or call 1-800-MEDICARE (1-800-633-4227).