Waiving Patient Balances: Co-insurance, Deductibles and CC Payment

Event Materials (Key Required)

Waiving patient cost share responsibilities, including deductibles, coinsurance, and cc payments, carries significant legal risks for healthcare professionals. Both Federal and commercial healthcare programs and plans impose civil and criminal liability in case of non compliance. It is essential for healthcare professionals to grasp the intricate legal framework, rules and potential penalties associated with the waiver of patient cost share responsibilities today’s healthcare landscape, understanding these complex regulations is imperative to protect both patients and medical practices. Failure to comply can lead to severe consequences, including legal actions, fines, and damage to professional reputation. Healthcare professionals must navigate the fine line between providing financial assistance to patients in need and adhering to strict legal requirements.

This session by federal licensed attorney, Thomas J. Force, ESQ. aims to shed light on these critical aspects. Thomas will delve into the nuances of the Federal False Claims Act and Anti Kickback statutes, exploring their defined penalties and implications for healthcare providers. Additionally, he will discuss practical strategies for drafting policies that align with financial hardship, professional courtesy and prompt payment, while staying within the bounds of the law.

Learning Objectives:

• Gain a comprehensive understanding of the hazards associated with waiving patient cost share responsibilities
• Learn why is waiving patient cost show responsibility so important
• Understand the Federal False Claims Act liability & penalties
• Know the Anti kick back liabilities and associated penalties
• Know the Impact of Federal health programs versus commercial health plans
• Health Plan sample language
• Learn how to analyze health plan documents relative to the prohibits of waiving patient cost share basis
• Know about professional courtesy, financial hardships, and prompt payment discounts and how to draft these documents compliantly
• The reasons why the routine waiving patient cost share is dangerous
• Key considerations in waiving patient cost share responsibility
• Impact of Medicare & federal healthcare programs versus commercial health plans
• Analysis of legal cases shaping the industry
• Exceptions – Where OMS can Waive or Discount Patient Balances

Areas Covered in the Session:

• Financial Hardship
• Whose money is it, anyway?
• Why is all of this so important?
• Medicare and Other Federal Plans
  • False Claims Act
  • Anti-Kickback Statute
  • State Laws
    • NY – Penal Law Section – 177
    • NJ – N.J. Stat. 2A:32C
• Commercial Plans
  • Common law fraud
  • Violation of In-Network Participating Provider Agreements – Civil Liability
  • Intentional interference with contract rights
  • State Fraud Statutes – Civil and Criminal Liability
  • Beware of Financial Hardship Programs that are not commercially reasonable or vague
  • Courts concerned with discounts of patient cost share establishes a fee for some patients but not others
  • Claims of fraud and misrepresentation
  • Routine waiver of patient cost share
• Health Plan Language
• Relevant Cases
  • Horizon Blue Cross Blue Shield of New Jersey v. East Brunswick Surgery Center
• Does it matter if the Provider is out-of-network and has no contract?
• The View of the Feds – Waiving Patient Cost Share Responsibility
• View of Office of Inspector General
• Exceptions – Where OMS can Waive or Discount Patient Balances
  • Financial Hardship
    • What constitutes a Good Faith Determination of “Financial Need”?
  • OIG Safe Harbor
  • Professional Courtesy Discounts
  • Prompt Payment Discounts
    • Cannot be offered to induce patient to receive other services
    • Cannot be offered to induce patient referrals
    • State Laws may prohibit discounting patient cost share responsibility
    • Offering Cost Share Discounts may violate in-network participation agreements
• Noteworthy cases
  • Physicians Surgery Ctr. of Chandler v. Cigna Healthcare Inc., 609 F. Supp. 3d 930 (USDC of AZ. 2022)
  • North Cypress Med. Ctr. Operating Co., Ltd. v. Aetna Life Ins. Co., 898 F.3d 461 (5th Cir. 2018)
  • Conn. Gen. Life Ins. Co. v. Southwest Surgery Ctr., 349 F. Supp. 3d 718 (ND Ill. 2018)
  • Almont Ambulatory Surgery Ctr., LLC v. UnitedHealth Grp., Inc., 2015 U.S. Dist. LEXIS 183365 (CD Cal.)
  • Conn. Gen. Life Ins. Co. v. Elite Ctr. for Minimally Invasive Surgery LLC, 2017 U.S. Dist. LEXIS 21026 (SD Tx)
  • United States ex rel. Goodman v. Arriva Med., LLC, 2020 U.S. Dist. LEXIS 50783 (MD Tenn.)

Suggested Attendees:

• Healthcare CEOs
• Healthcare CFOs
• Healthcare COOs
• Healthcare Provider Revenue Cycle Staff
• Healthcare provider Office Managers and Billing Staff and Companies
• Healthcare Compliance Personnel
• Healthcare Attorneys
• Physicians
• Physician Assistants
• Nurse Practitioners
• Surgeons
• Hospitals and Other Facilities
• Insurance Companies
• Healthcare Consultants
• Practice Manager
• In and Out of Network Providers
• Medical Billing Companies
• Providers Office Staff
• Chief Compliance Officers
• Medical Providers
• Attorneys and Legal Staff
• Customer Service Managers
• Risk Managers

Presenter Biography:

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Additional Information:

System Requirement:

• Internet Speed: Preferably above 1 MBPS
• Headset: Any decent headset and microphone which can be used to hear clearly

For more information, you can reach out to the below contact:
Toll-Free No: 1-302-444-0162
Email: care@skillacquire.com

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Purchase Order Form – Click Here to download PO form.

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Snippet From Our Previous Session