Unlike almost all businesses that are paid the entire amount at the time the service is provided to the customer, payment for services rendered by medical practices is received weeks or months after the actual services are provided. Unlike the typical scenario where a business knows the price of the service or product it is selling, and the customer knows the price for the service or product he or she is buying, there is no “price tag” readily available for the services a patient with insurance receives at a medical practice at the time of service. This is because this “price tag” is derived from calculations based on complex policy rules using rates set by each insurance company. The Paycentrix Checkout Calculator allows on demand calculation of a patient's payment responsibility at checkout, allowing collection of the full amount owed by the patient at the time of service eliminating lost money from nonpaying patients and collection costs. It pays for itself with increased profits.