Automated outreach for aged patient balances at 30 / 60 / 90 days — SMS, email, payment-plan offers, and pre-collections framing that recovers 40–55% of balances that paper-only programs lose.
Why does patient A/R age so fast?
Once a balance crosses 60 days, recovery drops below 50%. By 90 days, below 30%. Without automated cadence, most aged patient A/R sits untouched until it is written off or sent to a collections agency that takes 30–40% of recovered dollars.
What does the automated cadence look like?
Day 30: SMS plus email reminder. Day 45: payment-plan offer with auto-split into 3 installments. Day 60: longer payment-plan offer plus discount option (e.g. 10% off if paid in full). Day 90: pre-collections framing with practice-branded outreach and a final plan offer.
How are payment-plan offers presented?
One-click acceptance from the SMS link enrolls the patient in a recurring payment plan on their saved card — no phone call, no signature gathering. Acceptance rates run 25–40% at day 45 and 40–55% at day 60.
When does it make sense to skip collections agencies entirely?
Most practices recover enough through automated outreach to keep total A/R aged over 90 days under 8% of total A/R. Below that threshold, agency fees (30–40%) cost more than the marginal recovery — and patient relationships stay intact.
Frequently asked questions
How fast can you get approved?
Most healthcare practices are approved within 24 hours of complete application submission. Specialty MIDs (dental DSO, behavioral health groups, DME) may take 48–72 hours while underwriting reviews trailing statements and licensure.
What does it cost?
Interchange-plus pricing — typically 2.4% + $0.10 per card transaction with no setup fee and no monthly minimum. ACH is 0.5–1.0%. You see interchange cost, assessments, and our markup on a single itemized statement.
Is the platform HIPAA-compliant?
Yes. We sign a BAA, tokenize all card and bank data before it touches your systems, and segregate PHI from payment metadata. EHR / PMS integrations move only the minimum necessary data for posting.