Medical Debt Collection & Financial Assistance Policy

1. Purpose & Scope

This Medical Debt Collection & Financial Assistance Policy (“Policy”) establishes how LynLake Centers for WellBeing (“the Practice”) communicates with patients regarding medical debt, determines when and how accounts may be referred to collections, and ensures compliance with the Minnesota Debt Fairness Act (MDFA) and Minn. Stat. § 62J.806.

This Policy applies to all employees, contractors, billing partners, and any third-party collection entities acting on behalf of LynLake Centers for WellBeing.

2. Guarantee of Care

• LynLake Centers for Wellbeing will not deny, delay, or withhold medically necessary care due to a patient’s existing or unpaid medical debt.
• Medically necessary services will be defined by clinicians and clinical leadership.

3. Transparency & Public Posting

• This Policy will be posted on the Practice website.
• Copies will be available at our sites.
• A plain-language summary will also be provided.

4. Patient Communication & Billing Practices

4.1 Clear & Respectful Billing Communications

Billing will provide forms, statements, and communications through the client portal. If the client needs assistance navigating the portal, please call the office at (612) 979-2276 for help.

4.2 Disputes & Error Resolution

Upon receipt of a billing dispute, the Practice will review the account within 30 days and correct errors promptly.

5. Financial Assistance & Payment Relief

If the Provider offers financial assistance, screening will occur before referral to collections. Collections pause while applications are pending.

6. Collection Activity Limitations

Prohibited actions include:

• Reporting medical debt to credit bureaus
• Threatening to withhold care
• Using robodialers
• Harassing or misleading communication

7. Referral to Collection Agency or Law Firm

Referrals generally occur no sooner than 90–120 days from the final bill and only after required internal reviews.

8. Identifying Debt as Satisfied or Uncollectible

Debts may be marked satisfied or uncollectible based on payment, hardship, or other criteria. Collection efforts cease immediately.

9. Staff Training & Compliance

Annual training is required for staff and external collectors.

10. Auditing & Monitoring

Annual internal audits will ensure compliance.

11. Policy Review & Updates

Policy reviewed annually or sooner if laws or operations change.

Appendix A — Patient Rights Under Minnesota Law

Patients have rights including dispute resolution, access to medically necessary care, and protection from credit reporting.

Appendix B — Contact Information

Billing Department: ARC Health Revenue Cycle Management
Email: RCMsupport@archealthpartners.com
Phone: (612) 979-2276