Providers must submit accurate and complete claims to insurance companies, who then process and pay them based on their coverage policies. The patient may be responsible for copayments, deductibles, and coinsurance fees, while insurance companies cover a portion of the overall cost of care. Medical professionals who use the capitation billing approach receive a set amount per patient regardless of how many services they render. Insurance companies may, however, also set their own deadlines for filing claims. A federal health insurance program for persons over 65 and those with specific disabilities, Medicare is available.
reimbursement