Stop the Bleed Without Killing the Patient Experience
For many urgent care operators, “Days in AR” has become a secondary metric to the “Zero-Touch Rate”—the percentage of claims paid without human intervention. Currently, the industry average for zero-touch claims is only about 40%. Every extra “touch” from your staff adds labor costs and delays cash flow.
When a patient with a $2,000+ deductible leaves your clinic with an unsettled balance, they aren’t just a patient anymore; they are your largest payer segment.
Nexa bridges the gap between providing compassionate “neighborhood” care and maintaining a professional revenue cycle. We don’t just chase checks; we resolve the friction that stops them from being written.
Nexa provides 100% reputation-safe, equipped with all 50-state collections license, offering free credit reporting, free litigation, free bankruptcy scrubs, and zero onboarding fees. Secure – SOC 2 Type II & HIPAA compliant. Over 2,000 online reviews rate us 4.85 out of 5.
Need a Collection Agency? Contact us
The Urgent Care Reality
-
56%: The average Time-of-Service (TOS) copay collection rate—down from 90% pre-pandemic.
-
11%: The average increase in operating costs for medical groups over the last 12 months, tightening the tolerance for slow-moving patient AR.
-
32%: The percentage of patients now enrolled in plans with deductibles exceeding $2,000, shifting the primary financial burden from the insurer to the individual.
-
40%: The “Zero-Touch” industry benchmark. If your staff is touching more than 60% of your claims, your cost-to-collect is likely eating your profit margin.
The Nexa “Reputation Shield” Methodology
We understand that an urgent care clinic lives or dies by its local reputation.
A single aggressive collection call can trigger a viral 1-star review. Our 4-step approach is hard-coded for Amicable Mediation:
-
Early-Out Fixed Fee (Step 1): We trigger professional, soft-touch demands under your brand or ours. This reminds patients of their responsibility while the “thank you for choosing us” sentiment is still fresh.
-
Full Mediation (Steps 2-4): For older debt, our contingency team uses professional negotiation. We identify why the bill isn’t paid—often an insurance glitch—and solve the root problem to get the check cut.
-
Strict Compliance: We are 100% compliant with the Fair Debt Collection Practices Act (FDCPA), HIPAA, and the Telephone Consumer Protection Act (TCPA). We assume the regulatory risk so you don’t have to.
Legal Landscape: What Urgent Care Owners Must Know
The “Credit Score Threat” is largely dead. As of 2025, major credit bureaus have voluntarily removed most medical debts under $500 from reports, and many states are moving toward total bans on medical debt credit reporting.
-
The No Surprises Act: We ensure all collection efforts respect federal “Surprise Billing” protections, especially for out-of-network emergency services.
-
State-Specific Thresholds: From Virginia’s Medical Debt Protection Act to California’s strict reporting laws, we navigate the patchwork of local rules that often trip up internal billing departments.
Recent Recovery Wins
-
Medical (Multi-Site Urgent Care): A regional group with $420,000 in “micro-balances” (averaging $180) saw a 52% recovery rate within 90 days using our Step 1 Fixed-Fee system, restoring over $218,000 in cash flow.
-
Business (Occ-Health Services): A clinic was owed $45,000 by a local manufacturer for drug screenings and physicals. Nexa’s B2B mediators cleared the “corporate red tape” and secured the full $45,000 payment in 22 days.
Frequently Asked Questions (FAQ)
1. Will using an agency drive patients to my competitors?
Actually, the opposite is often true. Patients often avoid returning to a clinic where they know they have an “awkward” unpaid balance. By resolving the debt professionally through a third party, you clear the path for the patient to return for their next urgent need.
2. Why focus on debt under $500 if it’s not reported to credit bureaus?
Because $500 is the new “sweet spot” for revenue leakage. While it doesn’t hit a credit report, it does hit your bottom line. We use mediation and easy-pay digital triggers to get these balances paid without needing the “threat” of a credit score drop.
3. Do you handle Occupational Medicine (B2B) accounts?
Yes. We have a dedicated division for Worker’s Comp and Employer-Paid services. These are often high-value and require a different negotiation style than consumer patient debt.