Practice Management: Consider Charging Patients Who Stall On Copays, Deductibles

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Note:  The following article synopsis was NOT provided by AAPC. It was created by Find-A-Code/innoviHealth.

Article Overview

This practice management article is aimed at medical office administrators, billing staff, and practice consultants who handle patient collections and financial policy. It explains general considerations for charging on overdue copayments and deductibles, including the need to review state usury limits, disclose fees in advance, allow a grace period, and consider a monthly statement fee as an alternative approach. The discussion is focused on operational policy and patient communication rather than specific coding guidance.

Why This Topic Matters

It helps practices think through how to manage unpaid patient responsibility balances while staying mindful of legal and administrative concerns and maintaining clear upfront financial policies.

What You Will Learn

  • How practices may address delayed patient payments for copayments and deductibles
  • Why state interest-rate limits and disclosure matter in patient billing policies
  • How a monthly statement fee can function as an alternative to interest charges
  • Why timing and patient communication are part of managing overdue balances

Who Should Read This

  • Practice managers
  • Medical billers
  • Revenue cycle staff
  • Physician office administrators
  • Healthcare consultants

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