Pre-procedure payment refund
$500 before the endoscopy. The EOB said the patient owed $250.
Before a scheduled endoscopy, the facility collected $500 toward the procedure. A month later, the payer EOB processed the claim and set the real patient share at half that amount.
Paid up front$500
EOB patient share$250
Refund identified$250
What happened
1
The facility asked for payment before the procedure
The patient was scheduled for an endoscopy and paid $500 up front so the visit could proceed without a billing delay.
2
The EOB arrived after insurance processed the claim
About a month later, the payer EOB showed the patient responsibility was only $250 for the procedure.
3
The upfront payment became a refund issue
Insured Guard compared the facility payment to the processed EOB and surfaced the $250 difference as money to request back.
An upfront estimate is not the final answer once the EOB arrives.
How do we know
It rechecks deposits after adjudication.
Insured Guard treats pre-procedure payments as provisional until the payer finishes the claim. When the EOB sets a lower patient responsibility than the amount already collected, the difference is surfaced as a refund candidate.