Yes, I agree that if you don't have a contract with a payer, you can expect full reimbursement (either from the plan, the patient or both).
In the situation you just described, I would say, if you told the patient you would file the claims and then they were denied for timely filing, I would write off the charge. I'm not 100% sure what the insurance bylaws are with regards to this but I would say if you took filing the claim out of the patient's hands, then you can't turn around and bill them for an error on your part. Of course, if filed on time, then I would appeal with proof of timely filing and fight for that money from the insurance company.
If this appears to be a big problem, you could tell your out-of-net patients they will need to submit their own claims (which, I know, is a headache if its anything more than an office visit) but then the onus is on the patient to get the claim in on time. Then if denied for timely filing, you could still bill the patient the full balance.
This is just my opinion though.
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