| 摘要 |
Embodiments of the present invention relate to methods and apparatuses se rving to provide assurance that healthcare providers will receive payment fo r services rendered. In one embodiment, a payment card (or other portable co nsumer device) provides an extended authorization hold period (for example u p to 21 days). This hold period allows the healthcare provider to request au thorization for payment from the patient's credit, debit, FSA, HRA, or HSA p ayment card, submit the insurance claim, and then upon receipt of a health i nsurance carrier's Explanation of Benefits (EOB) within the hold period, sub mit for settlement only that amount actually due from the patient. In accord ance with an alternative embodiment, pending receipt of the EOB from the ins urer, the healthcare provider flags a transaction in a point-of- sale (POS) terminal device or server for storage and delayed submittal over an electron ic payment network. Embodiments in accordance with the present invention are particularly applicable to payment of claims in healthcare plans following adjudication by a payer.
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