Waiving Deductibles and Copays: No Good Deed Goes Unpunished

In an age of high deductibles, many surgical candidates are requesting that practices reduce or waive the self-pay portion of the professional fee. These requests come with a risk to the practice. Third-party payer agreements often prohibit discounting of fees to patients. Claiming breach of contract and interference with actuarial calculations, some third-party payers have sued practices for waiving fees owed by their insureds. Only by having the proper policies in place may a practice safely engage in fee reductions for patients insured by an entity with whom the practice has a contractual relationship.