Medical Collections for Patient Balances

Clear, compliant, and patient-friendly recovery—without surprises.
• First outreach within 24–48 hours of placement
• For best results, place accounts early
• Coverage: All 50 states + Puerto Rico
• Hospital-safe process with 501(r) screening support (where applicable)
• It is really easy to work with us.
• U.S.-based support team for clear communication

Quick start: Send 10–20 test accounts or a CSV export. We’ll review in 1 business day and recommend the lowest-friction path.

Need a Medical Collection Agency? Contact Us Serving Thousands of Medical Professionals Nationwide Easy to use • Fully Compliant with HIPAA, Federal and State Laws • USA Citizens-Only Team • 24×7 Secure Portal • High Recovery Rates • Expert Medical Collectors • Free Credit Bureau reporting • Low fee

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What Changed in 2025 (Why This Matters to Your Revenue)

• Credit reports: Medical bills are being removed from consumer credit reports, shifting emphasis to patient communication, transparent options, and easy payments.

• No Surprises Act: Out-of-network emergency and post-stabilization charges have strong federal protections; our outreach aligns with those rules.

• Hospitals (501(r)): Nonprofit hospitals must screen for financial assistance before any extraordinary collection actions (ECAs). We document those “reasonable efforts” so you stay audit-ready.

Policy watch: Regulations continue to evolve. We keep scripts, notices, and workflows current so your team stays compliant.

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Front-End First: Collect More Before It Ages

• Estimates at scheduling so patients know costs and options up front.

• Time-of-service (TOS) goals for routine copays/deductibles.

• Text/email reminders + self-service portal for one-tap payment (cards, ACH, digital wallets).

• Friendly plans (e.g., 3–6 months) with auto-reminders and hardship tiers.

Outcome: Fewer disputes, faster resolution, and a better patient experience.

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How We Work (Patient-Friendly, Compliant)

Day 0–1: Intake & Setup

• Review balance and benefits, confirm documents, define outreach cadence, and assign a specialist.

Day 2–10: Multi-Channel Outreach

• Respectful phone/text/email/mail (where permitted), explain EOB vs bill, present options, and upload proof on request.

Day 11–20: Resolution Window

• Clarify disputes, set payment plans, consider settlements when appropriate.

• For hospitals, complete financial-assistance (FAP) screening support before any ECA decisions.

Day 21+: Decision Gate

• A) Paid in full / plan set and monitored

• B) Charity/discount documentation (hospitals) completed

• C) If unresolved, you receive a compliance-checked next-step memo; legal steps are considered only after required screenings (for hospitals).

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HIPAA, Privacy & Dignity

• We share only the minimum necessary PHI for payment/operations.

• Business Associate Agreements with all third-party vendors we engage.

• Scripts avoid clinical specifics; focus stays on balance, options, and empathy.

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For Nonprofit Hospitals: Avoiding ECAs the Right Way

We align with 501(r): document reasonable efforts to determine eligibility under your Financial Assistance Policy before any extraordinary collection actions (examples: liens, wage garnishment, adverse reporting, or denial of non-emergent care due to past bills).

Pre-ECA Checklist (we can help):

• FAP provided and explained in plain language

• Plain-language bill + itemization sent

• Screening completed or good-faith effort documented

• Payment-plan or discount offers recorded

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What We Need to Start

Invoices/statement • EOB (if available) • Patient contact info • Registration notes • Prior outreach logs • Financial-assistance status (if hospital)

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Recent Results

• Multi-Specialty Clinic – $380–$1,400 balances – 72–118 days
Up-front estimate + two-way texting + 4-month plans → 82% resolved without ECAs in 30 days.

• Nonprofit Hospital Outpatient – $650 average – 95 days
FAP screening + plain-language bills + text-to-pay → 68% pay/plan within 21 days; remainder documented for charity review.

• Ambulatory Surgery Center – $1,200 average – 132 days
Portal enrollment + hardship tiers + autopay → 74% enrolled in plans, with <3% cancellations over 90 days.

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FAQs

• Can unpaid medical bills still appear on credit reports?
Under current federal policy, medical bills are being removed from consumer credit reports used by lenders. We focus on communication, payment options, and (for hospitals) FAP screening.

• When should we place accounts?
After two unsuccessful internal attempts and by 60–120 days past due. Earlier placement = better patient recall and faster resolution.

• What counts as an “extraordinary collection action” (ECA) for hospitals?
Examples include liens, wage garnishment, adverse credit reporting, and non-emergent care denial due to past bills—and they’re considered only after documented FAP screening.

• Is sending a medical account to outside collections a HIPAA violation?
No—if you share the minimum necessary information for payment/operations and have a BAA in place.

• How do payment plans work?
Short, affordable schedules (often 3–6 months) with auto-reminders. We can tailor hardship tiers consistent with your policy.

• Do you handle surprise-bill disputes?
Yes—we explain protections under the No Surprises Act and help resolve misunderstandings about out-of-network emergency/post-stabilization charges.

• Do you serve all states?
Yes—all 50 states + Puerto Rico. We align outreach with local rules and provider policies.

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What You’ll Get From Us

• Plan in 1 business day with clear next steps

• Patient-friendly scripts that reduce complaints

• Digital payments & reminders that lift self-pay yield

• 501(r)-aware workflows for hospitals

• Transparent updates your team can share with leadership and auditors

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Ready to Lower Bad Debt (Without Damaging Trust)?

Start with 10–20 test accounts or a payer-mix subset. We’ll map the shortest path: TOS optimization, payment plans, charity screening, or—only when necessary—post-screen escalation.

Services and Fee Structure