In NJ, we get paid pretty well out-of-network.
My perspective is: “You pay $75. IF (again, “if”) your insurance reimburses us more than $120, we’ll make it so you just pay a copay.”
For the most part, I do some pre-authorizations and narratives. But it’s not too much of a hassle for me.
If it was a hassle, I’d just tell the patients up-front, “You pay $75. If we get reimbursed, you’ll get reimbursed. It’s our policy to not do any pre-authorizations or hand any notes.”
When they ask why, I’d say, “Because we have better things to do than prove our care to health insurance companies.” Then, I’d smile really fucking wide and slap them in the face and say, “I’m Rick James bitch”. LOL.