I am currently working with a practice that has both insurance and patient credits from as far back as 2003. This practice is in a resort town and therefore has a somewhat transient population making it difficult to locate patients 8-9 years later. Any advice on how these credits should be handled? I am aware of the Medicare/Medicaid regs and this question refers to patient overpayments and non-government payers. Ethically I feel all amounts should be refunded. However, I also understand the inability to accurately find current patient addresses, etc. For insurance credits, how far back will an insurance be able to accurately process a refund? Any advice and reference to regs would be appreciated.