BHeC: Are Upfront Healthcare Charges Allowed?

November 26, 2014

The Bermuda Health Council [BHeC] and Bernews have teamed-up to answer your questions about the island’s health care system, and this month BHeC answers questions about whether a healthcare provider can charge upfront.

Visit to submit your queries and look for your response on the last Wednesday of every month on Bernews.

MIH Upfront Payments November 141126aaa


I went for an allergy shot at my doctor’s office and they said I would be responsible for the full charge of the shot. I know my insurer covers at least some of the charge, so why was I asked for the full amount? I thought the practice of charging upfront had been banned.


In most cases, you are right: a health professional should not charge you the full amount of your visit if the service is covered by your insurance. The doctor’s office may charge a co-pay, which is quite simply the difference between what your insurance company will pay a provider for their service, and the provider’s full charge for a visit.

The Claims Regulations 2012*abolished upfront charges so that the insured portion of a health bill would not be charged directly to an insured patient at the time of the visit. They also set-out requirements for health providers to be paid promptly by insurers.

The Claims Regulations require:

  • that health professionals submit claims to the insurer;
  • the insurer must process claims in a certain time period and supply the health professional with current information about their insureds; and
  • patients must provide their health professional with up-to-date personal and insurance information.

That being said, there are some exemptions. Providers can charge upfront if it is for a medical appliance, device or product e.g. glasses; if the healthcare professionals is not regulated by a statutory body; if a patient is not insured or if the coverage cannot be verified at the time of the visit. In addition, some health professionals have applied and been accepted for exemptions by the Bermuda Health Council.

The current list of exempted health professionals, as well as further information regarding the Claims Regulations, can be found on our website here.

If you believe your health professional has charged you upfront for an insured service, you should speak with them and your insurer to determine whether it was an error or misunderstanding; but if it cannot be resolved please report it to the Bermuda Health Council on 292-6420 or

* The full name of this legislation is the Health Insurance [Health Service Providers and Insurers] [Claims] Regulations 2012.[PDF here]

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Comments (2)

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  1. gmsgms says:

    Folks lament the rising cost of healthcare services but, seemingly, seek to do little to alleviate them. My relationship with my insurance company is an arrangement entered into by me and my insurance company. Doctors and health care providers have nothing to do with that relationship. I have chosen to transfer my health expenditure risk to the insurance company in return for a regular payment.

    Now the doctor delivers a service and expects to be paid for it. Why should the fact that I have chosen to outsource my health care coverage to an insurance company impact on the payment method and timeframe the doctor should have to face? If I truly wanted to minimize my cost, I would pay the doctor myself and then seek reimbursement from my insurance company as per the agreement I have with them.

    Having doctors and other service providers manage and process insurance claims on our behalf is not cost-less. These providers must hire staff to account for and process these claims, and they must float their receivables until the time that the insurance company repays them for their cost. The cost of having that billing and administrative function is passed onto patients, embedded in health care costs. We choose to get some other party to handle the billing with our insurance companies and we will get charged for it. There is a reason that many providers charge a lower cost if the service is paid for in cash at the time of service rather than handled through the insurance claim process.

    If we wanted to lessen our health care costs, in instances like this, we would seek to shoulder more of this administrative burden ourselves. We all want lower costs, but few among us seem to be willing to undertake any effort to get there.

  2. puma says:

    change your doctor..