​For Many Patients and Staff Members,discussing the Subject of Money

​For many patients and staff members,discussing the subject of money owed is touchy and uncomfortable.Which of the following statements would not be considered a professional way to discuss collections?

A) ​"Co-payment is expected at the time of service" or "Your office visit will be approximately $______.For your convenience we accept cash,checks,and credit card."
B) For the patient checking in at the front desk: "You have not paid your prior balance.Your account will be sent to collections if not paid in full today."
C) ​For patients checking out: "Your charges for today's office visit are $______.Would you like to pay by cash,check,or credit card?" or "I see your deductible has been met and/or insurance pays 80%.Your portion of the bill comes to $_______.Would you like to pay by cash,check,or credit card?"
D) ​For a patient procedure: "I have an estimate of your costs for your procedure scheduled next week.Co-payment is expected at the time of service.May I help in making payment arrangements?"