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Insurance coverage is not a guarantee of payment, and I agree that I am ultimately responsible for payment for services rendered at Clinic/Hospital. I will honor the payment policy. If I cannot pay in full at the time of service, the Clinic/Hospital can ask others about my credit worthiness. I agree to pay all expenses related to collection, whether by collection agency or by an attorney. I understand that credit balances on my accounts may be transferred to and from Clinic/Hospital to resolve balances past due.