Dental And Medical Collection Legal
by Steve Austin
Every medical and dental practice has to deal with patients
who do not pay. If it doesn't deal with such patients,
the costs will simply be passed on to other patients -
the practice may simply suffer or fold.
Yet the very real dental and medical collection laws issues
mean you should think carefully before reminding your
patients to pay up. In the end, you may very well be better
off outsourcing your medical or dental accounts receivables
to one of the new medical and dental collection agency/accounts
payable processing centers.
According to the Fair Debt Collections Practices Act (FDCPA),
your medical or dental billing notices fall under essentially
the same regulations as a mega-bank's car loan collections.
Real-World Medical and Dental Debt Collection Law Quandaries
Anne, a secretary at Westville Orthopedic Associates,
calls up a patient who just turned 18, to remind him of
an outstanding copayment. The patient's mother answers
the telephone. Should Anne:
1. Take the issue of the co-payment up with the patient's
2. Leave a message with the patient's mother to remind
the patient of the outstanding co-payment?
3. Leave a message for the patient to call the Westville
Orthopedic Associates back?
4. Say she will call back later and quickly hang up?
All but one of the four options above will be a violation
of federal debt collections law. Can you guess which one?
The correct course of action is option number 3. Why are
the others illegal? Look at each of the options above:
1. It is illegal to disclose a debt to a third party.
2. See number one; remember that messages regarding a
debt are essentially disclosures to a third party.
3. This is the only suitable course of action.
The FDCPA requires all creditors to identify themselves
when making a call. While you can't say what you are calling
about, you must say the name of your business before hanging
Not ready for your medical or dental practice to become
a law practice? You can get around medical and dental
collection laws matters by outsourcing the entire job
to a professional medical or dental accounts receivable
processor or medical collection agency. This option also
has the benefit of saving your staff a lot of work. After
all, not only is your medical or dental practice not a
law practice, it's not an accounts department, either.
About the Author
Free debt collection laws information at http://www.debt-collection-laws.com/