Reply to Doctor wants my credit card on file and auth to automatically charge a minimum of up to $100

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[quote=Anonymous]This would rub me the wrong way too OP.  I would offer to pay any co-pay up front before the visit, or on my way out. I would offer to pay a reasonable deposit or estimation for things that might need insurance authorization.  I would even offer to let them make a one time $100 charge on my credit card, so that I am always running a net positive balance.  But I would not give them a credit card number.

Two problems.  One is that if they are getting paid anyway, they are less likely to push hard on insurance, be diligent about billing correctly or pursue insurance claims after an initial denial. They can get paid now or resubmit a claim form with an error. Which do you think they will do?

Second, is that I am a lawyer, and have seen what happens when lawyers get into a financial hole and decide to “borrow” from their trust fund. You may only authorize up to $100, but they are not limited to charging that amount. And then you have to go after them, which is a hassle.

If you can’t work out a compromise, I would walk. Because if you give them a different guarantee of being paid, why do they need your credit card?  [/quote]

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