Settlement of patient responsibility for health care service at a time and point of treatment is facilitated. Health care benefits data is obtained from a system of a payor of health care services. The data includes information indicative of an extent to which financial coverage or benefit obligations have been met for the patient under an arrangement between the patient and the payor. Based on an indication by a provider system that a determination of patient responsibility for the health care service is desired, patient responsibility for the health care service is determined based on the obtained health care benefits data. An indication of the determined patient responsibility is provided to the provider system, in order to facilitate settlement of the patient responsibility at the time and point of treatment.
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