it affects it in one way at least. When you have an uninsured patient, you may charge them your full fee or you may set a conditions whereby they get a discount (like payment in full at time of visit) but you still set the fee. With the deductible plans, its a covered service and you can only bill the patient based on the insurance company's fee schedule. So, if for a particular visit for an uninsured patient, your standard fee is $120 but the insurance company's reimbursement is $65, you can actually charge that patient $90 (still a discount from a fare-market-value fee which is what your fee schedule should be based on) provided they pay in full at the time of service. They pay $120 if they want a payment plan.
