I retired from the insurance business. I am not aware of any providers who do not require "payment at time of service". True, most are lenient, especially when "Patient Responsibility" is known and provider/client agreements have been established. The provider I bill for and I, loose much time trying to help her understand the statements produced with "MyClientsPlus" software. She loses much therapy time trying to explain these statements to clients and, at times, has refunded payments, (thinking they were overpayments} when they were not. I've used several software products over the years before I changed to "MyClientsPlus". This is the best I've used, Yet, this is the only one I've ever used that treats "Patient Responsibility" as it does! Most Clients pay at point of service. "MyClientsPlus" records such payment as a "Overpayment" until the "payor" (Insurance Company) responds to the "Claim Process". Until it does, any payments made appears in "MyClientsPlus" statements as "negative or overpayments", therefore, "refundable". I have no doubt that "MyClientsPlus" would solve a very critical problem if they would separate "Patient Responsibility" and "Payor Responsibility" accountability within "MyClientsPlus" software. My Provider looses much time over this issue, as do I. My provider has lost much income over delays and misunderstandings over this subject. Whether payors (insurance companies) end up not paying or not, services have been rendered, and clients have a responsibility to pay their part of services rendered as agreed upon when starting such services. The solution would be to separate payor's responsibility charges and client's responsibility within the accounting processes at the beginning of the services. Client's responsibility usually can be determined using the payor's website. I see this as an improving, desirable,and needful feature in "MyClientsPlus" software.
I've written much software over the years. The provider I bill for is my wife. I'll be 81 this year. I consider this the best mental health provider I've ever found and used, but adamantly believe it needs to deal with this attribute.

An Insurance Company may, find means to avoid payment (they have so many), but an agreement with a client (Patient) is an agreement between that person and the provider for their share of the fee and must be accountable.