Abstract: A method and system for determining a patient's responsibility to a provider includes a point of service device and a patient responsibility calculator. The point of service device receives information from the patient upon the patient checking in at the provider's location. Upon check in, the patient responsibility calculator determines substantially in real-time the amount owed by the patient for a service to be rendered prior to the patient receiving the service. The patient responsibility calculator utilizes information regarding the patient's insurance plan from the patient's insurance provider to determine the amount owed by the patient for the services. Once the amount owed by the patient is calculated, the point of service device prompts the patient for payment and processes payment.