Healthcare Structuring Question

[IImayneII]

Hi. I have a question for a good method of booking healthcare expenses. I had found some information (https://docs.google.com/document/d/16RKEl1NJ3qg8VU9vKRRvgIv3CyGs0_4ASS4lD5iBFTw/edit#heading=h.k8gf9rm4lopl) 

but the part for tracking deductible, co-payments here is not finished and the person mentions this 

""" I carry this out using the “mirror accounting” technique I describe in another document. The idea is to use an alternative currency to count for these amounts."""

Is the only way to do this is using alternative currencies? I would like to try to avoid this.

My issue looks something like this. 

; detailed paper

Refund: 20.78 EUR

Honorarium : 26.78 EUR

Deductible: 6.00 EUR

Payed: 29.00 EUR 

Copayment: 8.22 EUR

Day of service/Day of payment; no information about individual parts

Real Payed: 29.00 EUR ;payed from account

Day of certificate; information about parts

Refund: 20.78 EUR ; refund from insurance

Honorarium : 26.78 EUR ; salary doctor

Deductible: 6.00 EUR ; tracking deductible for insurance per year

Payed: 29.00 EUR    ; total cost 

Copayment: 8.22 EUR ; personal cost

Day of reimbursement; deposit on account 

Refund: 20.78 EUR

-------------------------------------------------------

2019-10-30 * "Dental"; day of service 

  Activa:Account                                             -29.00 EUR

  Expenses:Health:Medical:Claims           29.00 EUR

  

2019-10-31 * "Dental"; day of certificate

  Expenses:Health:Medical:ClaimsPayment           -20.78 EUR ;savings

  Expenses:Health:Medical:Copayment           (8.22-6.00) EUR 

  Expenses:Health:Medical:Deductible     6.00 EUR

  Liabilities:Medical:Payed                            -8.22 EUR 

  Liabilities:Medical-Refund    20.78 EUR

  

2019-12-27 * "Dental"; day of reimbursement

  Activa:Account            20.78 EUR

  Liabilities:Medical-Refund                 -20.78 EUR

Just not sure how I would structure the transaction on 2019-10-31 if I want to split up between copayment and deductible. 

I could just leave it out and track what my total personal cost was and be it reflected in the top account of "Expenses:Health:Medical" but I would like to track both if possible instead of just doing the following.

 

2019-10-31 * "Dental"; day of certificate

  Expenses:Health:Medical:ClaimsPayment           -20.78 EUR ;savings

  Liabilities:Medical-Refund   20.78 EUR

  

[Tono Riesco]

Well… What I’m doing is:

2020-03-06 * “Dentist A" “Dentist urgency bla..bla."
Assets:Account:Bank -100 CHF
Expenses:Me:Dentist

2020-03-06 * “Pharmacy A" “Dentist urgency meds"
Assets:Cash -10 CHF
Expenses:Me:Meds 10 CHF


I send the bills to the insurance and the day is paid (90%):

2020-04-06 * “Insurance A" “Dentist urgency bla..bla. Passed bill n. XXXXX whatever"
Assets:Account:Bank 99 CHF
Expenses:Me:Meds -9 CHF
Expenses:Me:Dentist -90 CHF

— Total paid from my pocket to all dentists and all meds per year
SELECT year, account, sum(position) as total WHERE account = ‘Expenses:Me:Dentist' OR account = ‘Expenses:Me:Meds'

-- Total paid to the dentist A before reimbursements per year
SELECT year, account, sum(position) as total WHERE account = 'Expenses:Me:Dentist' and payee != ‘Insurance A'

-- Total paid to the dentist A from my pocket after reimbursement per year
SELECT year, account, sum(position) as total WHERE account = 'Expenses:Me:Dentist' and payee != ‘Dentist A’

Etc…

I have accounts for me, my daughter, etc.

Regards.

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[eug...@plamadeala.com]

Hi,
Perhaps as suggested by Martin introducing a virtual currency may solve the problem. I'll call the new currency DEDUCT.

2019-10-30 * "Dental" ; day of service

  Assets:Bank                            -29 EUR

  Expenses:Medical:Claims     29 EUR
  Expenses:Medical:DeductibleAccrued     (29-20.78)  DEDUCT   ; this will have to be backfilled using data from the "certificate" / Explanation of Benefits.

  Expenses:Medical:Copayments

  
2019-12-27 * "Dental"

  Assets:Bank                              20.78 EUR

  Expenses:ClaimsPayment     -20.78 EUR

Then, your used up deductible would be reflected in Expenses:Medical:DeductibleAccrued. Your out-of-pocket would also correspond to the same account, or equivalently in Expenses:Medical:Copayments (but not in EUR).

Clearly Expenses:Medical:DeductibleAccrued would eventually exceed the plan deductible, but there's no harm in that. 

Did I miss anything?