Hello @abdullah.qasim These would be great user cases. I think OpenMRS 3 out of the box does not have all this built in but you can add modules around this to archive all these… For billing and insurance modules you can try looking into these GitHub - openmrs/openmrs-esm-billing-app: Billing microfrontend for O3. for insurance claims some work has been done here GitHub - openmrs/openmrs-module-insuranceclaims: For checking patient insurance enrolment on registration (in external Insurance Management Information System) status and submitting claims (managing patient billing).
For the patient to login am not sure if this is supported. But I believe its just a matter of adding a new user of a patient and specifying their privileges in your custom application.