My client only has a small amount left on their deductible (i.e. less than the full contract rate). What do I charge in these situations?

Handling the "Deductible Gap"

When a client has a small remaining balance on their deductible (e.g., only $25 left, but your rate is $150), it is difficult to predict exactly how the insurance company will split the responsibility for that specific session.

To maintain a positive relationship with your client and avoid the administrative headache of issuing refunds, follow this recommended workflow:

1. Pause Collection: If the remaining deductible is less than your full contract rate, do not charge the client at the time of service.

2. Submit the Claim: Log the session as usual through SimplePractice.

3. Monitor the Payment Report: Wait for the claim to process. The "Client Responsibility" section of your CCS report will show the precise amount to collect.

4. Collect the Balance: Reach out to the client to collect the finalized amount once you have confirmation from the payer.