"Chiropractic payment reconciliation: separate patient credit from payer adjustments"
"Source","https://bluefinchadvisors.com/blog/chiropractic-patient-payer-payment-balance-bridge"
"Basis","This planning scenario uses the values entered. It is not an industry benchmark or a quote."

"Inputs","Value","Unit"
"Verified patient responsibility","900","currency"
"Patient payments collected","1050","currency"
"Patient refunds completed","100","currency"
"Payer claim payments on remittance","3000","currency"
"Signed provider-level adjustment","-250","currency"
"Matching payer bank deposit","2750","currency"

"Results","Value","Unit"
"Net patient collections","950","currency"
"Patient balance after collections","-50","currency"
"Expected payer EFT","2750","currency"
"Actual EFT minus expected","0","currency"

"Calculation detail","Value","Unit"
"Verified patient responsibility","900","currency"
"Claim-level payer payments","3000","currency"
"Provider-level adjustment","-250","currency"

"Assumptions"
"Illustrative reconciliation after adjudication and billing review."
"A negative patient balance signals a credit for review; it does not determine the legally required remedy or deadline."

"Result notes"
"Do not transfer a payer shortfall to the patient without a supported adjudication and contractual basis."
"Payer-specific, Medicare, Medicaid, and state requirements need qualified review."

"Sources"
"CMS: claim adjustments and payment remittance advice","https://www.cms.gov/medicare/coding-billing/electronic-billing/health-care-payment-remittance-advice"
"CMS: matching EFT payments and electronic remittance advice","https://www.cms.gov/priorities/key-initiatives/burden-reduction/administrative-simplification/operating-rules/eft-remittance-advice"
"Visa: U.S. merchant surcharging and displayed-price distinctions","https://usa.visa.com/dam/VCOM/global/support-legal/documents/merchant-surcharging-qa-for-web.pdf"
"HHS: Privacy Rule coverage and protected payment information","https://www.hhs.gov/hipaa/for-professionals/privacy/laws-regulations/index.html"