I hate this time of year with new deductibles to pay. Once I get the insurance report, telling me how much client owes, I take it out of their card they put on file and agreed that deductibles and copays will come out of it. Then I get calls about how they can't afford it and want me to pay them back. What are others doing? If most of my insurance clients have deductibles what am I supposed to do not make any money for 2 months or more?