Explain patient financial obligations for services rendered

If you are a "patient", this means that you have been treated
by a doctor or a dentist. (or chiropractor, or rheumatologist, or ophthalmologist, or proctologist, or psychiatrist, or dermatologist, or otolaryngologist, or neurologist, or urologist, or physical therapist, or epidemiologist, or phlebotomist, or cardiologist, or etc. etc.)

"Services rendered" is the work that the doctor or dentist did for you.

"Financial obligation" is the price that the doctor or dentist expects
to collect in return for the work that s/he sold you.

"Patient financial obligation" is how much you gotta pay to the doctor
or dentist for what you had done. "Obligation" means it's now your
responsibility to see that the doctor or dentist gets paid somehow.
Whether it's a gift to you from your uncle, or coverage from a medical
insurance policy, or money from your own piggy bank, "obligation" means
it's up to you to make sure s/he gets paid.

Ive never heard of creep meters

They all deal with hard evidence(scientific)