Abstract: Technical improvements to systems used to provide counseling regarding medical procedures and the payment therefor are discussed herein. A reduction in the amount of communications needed to provide financing for patients, when appropriate, is provided, which improves the efficiency of the systems used to process patients. Rather than transmitting sensitive data to multiple lenders to seek loan information, an internal risk assessment is developed, with the patient's consent, and used to provide pre-qualification during a cost-estimation phase of patient processing. Patients are thereby provided with greater flexibility in paying for healthcare services, which improves their access to healthcare and overall health, while providers are able to reduce regulatory and accounting burdens associated with patient delinquency.

Abstract: Technical improvements to systems used to provide counseling regarding medical procedures and the payment therefor are discussed herein. A reduction in the amount of communications needed to provide financing for patients, when appropriate, is provided, which improves the efficiency of the systems used to process patients. Rather than transmitting sensitive data to multiple lenders to seek loan information, an internal risk assessment is developed, with the patient's consent, and used to provide pre-qualification during a cost-estimation phase of patient processing. Patients are thereby provided with greater flexibility in paying for healthcare services, which improves their access to healthcare and overall health, while providers are able to reduce regulatory and accounting burdens associated with patient delinquency.