| Called "Contractual Agreements". These are usually put into play due to the bulk/volume of those that carry the insurance.
Example: BCBS may have a 30% discount of all services as a contractual agreement with the hospital.
WPPA may have a 10% discount as the volume will not be as much.
Every charge remains the same and is not changed from person to person or insurance to insurance.
If you do not have insurance, you are paying full rate and you don't have the volume influence.
Personally, I would offer my best contractual agreement percentage to those that have no insurance. That way, I would stand a better chance of getting that self pay person as a client. I would also insist that payment be made at time of service, as I wouldn't be financing the insurance companies, therefore I should not finance the self pay.
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