Patient Cost Transparency Implementation Guide, published by HL7 International / Financial Management. This guide is not an authorized publication; it is the continuous build for version 2.0.0-ballot built by the FHIR (HL7® FHIR® Standard) CI Build. This version is based on the current content of https://github.com/HL7/davinci-pct/ and changes regularly. See the Directory of published versions

Good Faith Estimate (GFE) Submission and AEOB Overview

Page standards status: Informative

This section of the Implementation Guide focuses on enabling a provider to submit a Good Faith Estimate (GFE) Bundle including Good Faith Estimate resource profiles (Claim resources of type predetermination) along with supporting data (such as Patient, Coverage, etc.) to a payer. The payer can then use this information to generate an Advanced Explanation of Benefit (AEOB) Bundle including Advanced Explanation of Benefits resource profiles (ExplanationOfBenefit resources of type predetermination) along with supporting data that the patient, and optionally the provider (GFE submitter on claim resources), can retrieve to get an estimation of costs for expected services as known at a specific point in time.

A primary goal of this guide is to enable the patient to have access to AEOBs for expected future medical items or services. Sharing this information with the provider is also supported as an option. This enables the provider to have an informed conversation with the patient to support better patient decision making. If this capability is supported by the implementer, the patient’s AEOB will be provided to the GFE submitting provider using the same profiles in this guide. In this way the provider would receive the same information made available to the patient. This guide does not currently specify a means for providers to update or cancel a GFE submission. Rather, if there is new information that may materially affect the estimation, the provider would submit a new GFE Bundle.

Workflow at a Glance

Figure 1: Advanced EOB Interactions Dotted line indicates optional.

GFE Submission and AEOB Diagram Steps (High Level View)

1. A patient schedules a service which triggers the composition of a collection of one or more GFEs. Note: The composition of the collection of GFEs is currently not in scope for this IG.

2. The collection of GFEs in the form of a FHIR resource bundle (GFE Bundle) is submitted (via the gfe-submit operation to the payer’s endpoint for AEOB creation.

3. The payer would then process, adjudicate, and produce the AEOB bundle.

4. The patient can now request and receive the AEOB Bundle via FHIR query.

Note: Communication to the patient below could be through an app by a third-party or provider approved by the patient or directly to the patient by the payer.

Data Structures

Below are illustrations showing the relationships between the profiles involved in this workflow.

Note: For brevity, not all data elements are shown.

Figure 1 shows a GFE Collection Bundle that is submitted in the gfe-submit operation. It contains information about the patient, the payer and coverage information, and the GFE Bundles for processing.

Figure 1. GFE Collection Bundle

Figure 2 shows the components of the GFE Bundle. It contains the Patient, Coverage and Payer if relevant, involved providers, and Claims data with the estimated costs. If the GFE Coordination Workflow was utilized, this is the same GFE Bundle as the one provided by a GFE Contributor. All resources (supporting info, etc.) needed to process the GFE and produce the AEOB SHALL be included in the GFE Bundle. Relevant resources referenced by such resources SHALL also be included.

Figure 2. A GFE Bundle

Figure 3 shows an AEOB Bundle created by a payer in response to a GFE-submit operation. The AEOB bundle SHALL contain one or more AEOBs. Each AEOB SHALL contain a reference to the original GFE bundle (i.e., an exact copy of the originally submitted GFE).

Figure 3. A AEOB Bundle

Technical Workflows

Payer Perspective: End-to-End Workflow

The workflow diagram below describes the process of receiving a GFE Bundle from the submitting provider and returning the completed AEOB asynchronously (or acknowledgement that the process was completed if the AEOB will not be returned to the provider), as well as the process for a patient app to query for and retrieve their completed AEOB.

Figure 4: Payer Perspective: End-to-End Workflow

1. The provider uses the gfe-submit operation to submit the GFE bundle to the payer endpoint. This is a POST request that follows the Asynchronous Interaction Request Pattern. Please refer to this link for more details. Note: This page is part of the FHIR R5 current build, but uses no R5 resources, this guide is simply pre-adopting that HTTP request pattern.
   • If the payer’s FHIR aware endpoint does not receive the request (i.e. system is down, incorrect URL used, etc.) an HTTP status code of 4XX or 5XX will be returned.
   • If the gfe-submit operation is successfully invoked, the request will move to Step 2.
2. The payer system validates the GFE bundle against the FHIR R4 core specification and the GFE Bundle profile and other appropriate profiles in this guide, using the core FHIR validate operation.
   • If any validation errors are received, an HTTP status code of 412 Precondition Failed is returned along with an OperationOutcome resource containing the result of the validate operation.
   • If validation is successful, the request will move to Step 3.
3. The payer system accepts the GFE bundle. An HTTP status code of 202 Accepted is returned, and the Content-Location header contains a URL for subsequent polling.
4. The payer system begins processing the GFE bundle asynchronously to produce the AEOB. Some payers may process GFEs in near real time, which this guide can support, but more likely this process will take a substantial amount of time, up to the limits allowed by regulation.
5. GFE processing can result in success or failure.
   • In case of failure, the payer system sets the status of the request (identified by the unique URL returned in Step 3) to error, and prepare an OperationOutcome resource with details and move to Step 7. The payer should also notify the patient that the estimate was unable to be produced leveraging similar existing EOB/Claims business processes, though this communication to the patient is out of scope for this guide.
   • If successful, move to Step 6.
6. GFE processing completes successfully and the payer produces an AEOB and related resources.
   • The payer system sets the status of the request (identified by the URL returned in Step 3) to completed, prepares a batch-response Bundle resource, and moves to Step 7.
   • If the payer system supports API access for the patient, the AEOB is made accessible per the Patient Perspective section below.
7. The payer system provides an endpoint at the URL provided in Step 3 whereby the provider can poll for GFE processing status.
   • If the response is in-progress, the endpoint returns an HTTP status code of 202 Accepted, indicating that the provider should poll again later. The payer system should return a Retry-After header with each in-progress polling response, and the client should use this information to inform the timing of the next polling request.
   • If the response is an error, the endpoint returns an HTTP status code of 4XX or 5XX, and the body of the response is an OperationOutcome detailing the error.
   • If the response is successful, the endpoint returns an HTTP status code of 200 OK, and the body of the request is a Bundle resource of type batch-response. This batch-response bundle SHOULD contain the completed AEOB Bundle and MAY contain one or more OperationOutcome resources with additional information regarding GFE/AEOB processing. If the batch-response Bundle does not contain an AEOB Bundle, then it SHALL contain at least one OperationOutcome resource detailing the reason why the AEOB Bundle is not present (e.g. the AEOB was sent directly to the patient and will not be returned to the provider).

The individual steps from the provider and patient perspective are detailed in the sections below.

Provider Perspective: Submitting a GFE and Polling for a Completed AEOB

A patient schedules a service and this triggers the composition of a collection of one or more GFEs, which the provider then submits to the payer for processing. Note: The composition of the collection of GFEs is currently not in scope for this guide.

Figure 5: Provider Perspective

1. The provider uses the gfe-submit operation to submit the GFE bundle to the payer endpoint. This is a POST request that follows the Asynchronous Interaction Request Pattern. Please refer to that page for more details. Note: that page is part of the FHIR R5 current build, but uses no R5 resources, this guide is simply pre-adopting that HTTP request pattern.
   • If successful this request will return an HTTP status code of 202 Accepted with a Content-Location header containing the absolute URL of an endpoint for subsequent status requests (polling location).
   • If the operation fails it will return an HTTP status code of 4XX or 5XX and an OperationOutcome resource containing the error details (such as a 412 Precondition Failed if the content of the POST was not a valid GFE Bundle), provided the operation was successfully invoked (i.e. if the POST was submitted to a non-existent URL, the submitter would likely receive a 404 Not Found status code with no OperationOutcome).
2. If Step 1 resulted in a 202 Accepted return code and a valid URL in the Content-Location header, the provider may now poll for the status of the request. The AEOB Bundle is created asynchronously since GFE processing has not taken place yet. The url returned in Step 1 can now be used to check the status of the AEOB process.
   • If the response is in-progress, this request will return an HTTP status code of 202 Accepted, indicating that the provider should poll again later. The payer system should return a Retry-After header with each in-progress polling response, and the client should use this information to inform the timing of the next polling request.
   • If the response is an error, this request will return an HTTP status code of 4XX or 5XX, and the body of the response will be an OperationOutcome detailing the error.
   • If the response is successful, this request will return an HTTP status code of 200 OK, and the body of the request will be a Bundle resource of type batch-response. This batch-response bundle SHOULD contain the completed AEOB Bundle and MAY contain one or more OperationOutcome resources with additional information regarding GFE/AEOB processing. If the batch-response Bundle does not contain an AEOB Bundle, then it SHALL contain at least one OperationOutcome resource detailing the reason why the AEOB Bundle is not present (e.g. the AEOB was sent directly to the patient and will not be returned to the provider).

Patient Perspective: Get Completed AEOB from Payer

The patient has scheduled the service(s) with the provider(s). The payer may return the completed AEOB to the patient in many ways such as via mail, the payer patient portal, mobile app, or other technology to connect to the AEOB API. The only method in scope for this guide is the FHIR-based API approach inspired by the Patient Access API defined in the CARIN Consumer Directed Payer Data Exchange guide (CARIN IG for Blue Button). If the payer does implement both this API and the Patient Access API defined in the CARIN IG, it is up to the payer to determine if those APIs use the same or different endpoints.

Figure 6: Patient Perspective

1. A third party app used by the patient authorizes/authenticates and receives an access token. The app requests the AEOB by using the access token using a GET request for ExplanationOfBenefit resources in the patient’s compartment. For example, GET [base]/ExplanationOfBenefit?patient=[patient-id]. Payer systems SHALL implement appropriate access controls to ensure that AEOBs are only accessible by the authenticated patient.
   • If successful, the system will return 200 OK, and the body will contain a Bundle resource of type searchset, containing zero or more ExplanationOfBenefit resources. Once the desired AEOB is found, the third-party app may use the same API to query for other resources referenced by the AEOB, such as Patient, Practitioner, Organization, and Coverage resources if those referenced resources are not contained in the AEOB itself. New AEOBs (either for new services or new updates to an existing AEOB) would have a different identifier and a created date later than previous AEOBs.

Note: If GFE processing fails, the payer may use existing business processes to notify the patient, but this is out of scope for this guide.

Examples

Waive NSA Rights Consent Example Scenario

The diagram below shows examples of how a patient may provide or withhold consent for No Surprises act Act protections using the balanceBilling extension on the GFE and how that could change the resulting AEOB from the payer.

MRI Scenario

Assumptions:
• Patient has single commercial insurance coverage and plans to use it.
• This is clinically appropriate (Clinical Decision Support [CDS] Score).
• Service location is known (e.g., address).
• All providers are in network - PCP, imaging facility, and reading radiologist.
• While medical management techniques (such as prior authorization) will be included as a disclaimer when applicable in the AEOB returned to the member, the actual process of meeting medical management requirements is separate from the process of creating an AEOB. For details, see the Terms and Concepts section of this IG.

1. Eve Betterhalf sees Dr. Patricia Primary (PCP) at ABC Medical Group on Monday with a prolonged migraine headache lasting over a 4-month period. Dr. Primary recommends a brain MRI (CPT 70551).
2. She walks to the PCP front desk; they enter the order into the EMR system and direct the patient to ABC’s Radiology department.
3. Radiology reviews the order for completeness and accuracy and confirms all needed information is present.
4. The next day, Eve calls the radiology center (ABC Radiology, NPI - 1234567893) to schedule her brain MRI, CPT 70551, and provide her coverage information, which she plans to use .
5. The MRI is scheduled for 9 days from today. This triggers the creation process for an AEOB.
6. Optionally, Eve can also login to the Radiology’s site to download the information about her expected services, should she want to request an estimate separately.
7. The ABC Radiology’s Office Administrator enters the services and coverage information, initiates the process with other potential providers to generate the GFE for the expected charges with the expected billing and diagnostic codes.
8. This information is sent to the payer.
9. The payer receives the GFE. Within one business day, the payer adjudicates it and sends the GFEs of cost, cost-sharing and progress towards meeting deductibles and out-of-pocket maximums, as well as whether a service is subject to medical management and relevant disclaimers of estimates as an AEOB securely to Eve.
10. Optionally, the payer also sends a response to ABC’s Radiology Office Administrator with the same cost estimate information.
11. Eve receives the AEOB from the payer based on the information provided by ABC Radiology.
12. Optionally, Eve or an authorized user could use their third-party app to query for the AEOB via API (if supported by their payer).

MRI Examples

GFE Professional
GFE Institutional
AEOB