Hi,
If I understand what you are asking, I don't think it is ok. You are basically saying that you are offering the patient a lower fee if they pay right then and there, and you would offer the same discount to the insurance company too, if they were going to pay. That is not ok from the insurance company standpoint. That is because when an insurance company processes a claim and applies it to the deductible, they are not denying the claim. They are allowing their fee, and applying it to a deductible. So even though they aren't paying out actual money, they are allowing the charges. If they allow $100 for charges, and apply it to the deductible, but the patient only pays $75 (for the time of svc discount) then the patient's out of pocket is less than what the insurance is being informed. The insurance calculates their fees (for the cost of the insurance) based partly on what the patient is responsible to pay out of pocket. If you are only charging $75, but they are allowing $100, that confuses things greatly. I know it's difficult to understand from your end, and it is very difficult to explain in words, but it really is charging two different fee schedules. Insurance companies greatly frown on that. There are creative ways around it but you need to make sure you are following insurance guidelines, or you may be removed from their panel.