Practice Management

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  • 1.  Insured Self Pay vs Billing Insurance

    Posted 06-01-2022 10:38

    Hello,

    I am curious to see if others are experiencing this issue and if so, how are you handling this situation?

     

    We have patients that will present in our imaging centers for high tech imaging service and will ask to be registered as self. They are paying up front for their service. Afterwards, they will contact the billing dept and request that a claim be filed to their insurance.

    Since they requested at the time of service to be self-pay, we are have completely for gone the prior auth process and now the claim is denying for no auth, patient not responsible.

     

    Of course, once the patient gets their EOB they want their money back

     

    As a contracted provider, are we "on the hook" for that service or can we still hold the patient responsible because they requested to be self-pay?

     

    Do we have to file a claim to the payer at the patients request, even though they presented as Insured Self Pay? Seems like I remember once upon a time, patients could be reimbursed from a payer themselves- I am not sure if that's still a possibility...

     

    Should we have the patient sign a waiver stating they understand they are self-pay for services rendered?

     

    Thank you!

     

    Kim Smiley, CPC, RCC (She/Her/Hers)

    Coding Manager

    ph:  (317) 328-7256  |  fax: (317) 715-9955

    kim@northwestradiology.com

    NWR_Logo_2016sm

     



  • 2.  RE: Insured Self Pay vs Billing Insurance

    Posted 06-01-2022 10:50

    I advise groups to have a patient sign a "statement" when they are choosing to be seen as a self-pay patient. The "statement" includes language that they are directing the practice to manage this encounter as a self-pay encounter and therefore the practice will not submit on the patient's behalf any claims to the patient's insurance provider. Should the patient choose to submit a claim to their insurance provider, the patient will individually assume and accept the outcomes of any decision made by their insurance provider as to the medical necessity or appropriateness of the procedure, and that the patient will individually assume and accept any financial outcome from that decision by their insurance provider with no recourse to the practice now or in the future regarding this specific procedure.

     

    Have your attorney draw up a statement to that effect since state laws vary on how this needs to be developed. Once the patient signs then you simply tell them when they request a claim be submitted after the fact that you will not based upon the written direction that patient provided at the performance of the procedure....

     

    People are becoming very savvy in how to not pay for their healthcare. I'm seeing this in other practices as well....  Hope this helps....

     

    Keith E. Chew, MHA, CMPE, FRBMA

    Principal

    Consulting with Integrity

    18 Hawks Nest

    Chatham, IL     62629

    217-971-5293

     






  • 3.  RE: Insured Self Pay vs Billing Insurance

    Posted 06-01-2022 11:33

    As Keith said, People are becoming very savvy in how to not pay for their healthcare.....tag this along with the new reporting limit of $500 to credit companies and you could predict the games that might be played at our expense.

     

    Paul Coogan

     






  • 4.  RE: Insured Self Pay vs Billing Insurance

    Posted 06-01-2022 11:03

    We have always been told it is the patient's discretion whether to file their insurance or not.

    I see this a lot on the mental health side as they don't want it 'documented or on their records'.

     

    We always get the patient to sign a waiver that states once the service is done as a 'no insurance exam' they cannot request it be filed to the carrier as we have forgone several steps in the process such as "prior authorizations", service verifications, medical necessity review and that they accept this with full knowledge and understanding that the 'no insurance service' cannot be revoked for any reason.

     

     

    RESPECTFULLY, 

     

    Rick D Gladish, RCC, CPC

    MD Revenue Management, LLC

    111 Troy St STE F

    Tupelo, MS 38804

    ph 662-620-7102 fax 662-620-7106

    email: rick@mdrm.us

    website: www.mdrm.us

     

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