In recent years, record numbers of employers and their employees are opting into high deductible health insurance plans that shift a significant amount of the financial onus from the payers to the insured patient.  This shift has exponentially increased the need for medical groups to adjust their business processes to this shifting payment paradigm.  Although it is beneficial for providers to receive their money up front, they need a more efficient way to handle the significant number of patient and insurance refunds created by the shift in financial responsibility and the need to collect in advance…

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