1. Office managers and billers don't take any oath.
2. The credit check was a soft hit which did no damage to the credit rating, so no harm was done.
3. An insurance card is not a guaranty of payment. Even if they call to verify coverage, things can change and nothing is assured until the claim is submitted and the check is in the doctor's hands. And even then, payments can be taken back if a mistake is made! There is never any reason for a doctor to ASSUME your insurance will pay, and doctor's offices are expensive enough to run these days that they can't afford to take chances on providing services on patients who could easily disappear and leave bills unpaid. It's called CYA, it is a permissible purpose and I'm surprised it isn't done more. Unless the patient is paying the bill in full by cash on the date of service and submitting for reimbursement by insurance herself, then some credit is being extended.
2. The credit check was a soft hit which did no damage to the credit rating, so no harm was done.
3. An insurance card is not a guaranty of payment. Even if they call to verify coverage, things can change and nothing is assured until the claim is submitted and the check is in the doctor's hands. And even then, payments can be taken back if a mistake is made! There is never any reason for a doctor to ASSUME your insurance will pay, and doctor's offices are expensive enough to run these days that they can't afford to take chances on providing services on patients who could easily disappear and leave bills unpaid. It's called CYA, it is a permissible purpose and I'm surprised it isn't done more. Unless the patient is paying the bill in full by cash on the date of service and submitting for reimbursement by insurance herself, then some credit is being extended.