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Co pay

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gderilus:
I have a couple of questions... A client called and was scheduled an appointment. They have a deductible for $3000, but they said that their work pays the first half. How do I go about collecting co-pays, if any? Should I just bill and if it's not covered, then we start billing the Client instead of the insurance company?

PMRNC:
They probably have either a flex account or an HSA, you collect the copay the insurance company tells you to collect and then bill the patient the balance if any and they can seek the additional reimbursement. Just make sure after you post the insurance payment you give he patient an itemized bill they can submit to their employer/HSA

DMK:
I thought that if the patient has a deductible that hasn't been met, you were to collect the amount due (never mind the co-pay since that won't apply until the deductible has been met, unless the procedure had the deductible waived).  Then you give the patient a receipt so their cafeteria plan reimburses them.  If you wait until the insurance responds, bill the patient and then they have to get the money from their employer, it could take a LONNNNNG time.  If you get it at all.

Isn't their contract with their insurance company and ultimately what the patient owes, they owe, not their employer?

PMRNC:
That's what I basically said, patient is responsible for all out of pocket expenses, they can seek the reimbursement from their employer based plan, but they are ultimately responsible.

Michele:
I would ask the patient to clarify the type of account.

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