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a medical payment plan is created between a patient that has received medical services and the health care provider why use a medical payment plan medical payment plans can be used for any costs associated with healthcare from surgery to standard doctors visits healthcare costs can run steep and many patients may not be able to cover full payments for urgent emergent or standard procedures when patients are covered by insurance sometimes charges that are not covered or even copay costs are too much of a financial burden payment plans allow patients to spread medical charges out over time this benefits the patient by lowering upfront charges as well as the medical provider in that it helps to ensure consistent payments what to include in the payment plan the contract should include a minimum of the following names of the parties description of the services total balance due repayment plan which includes repayment period payment instructions late payment stipulations signatures and any