Medical Debt Collections

By: Sara Peterson1


Medical debt collections are more complex than consumer and commercial accounts. Medical accountshave several different parties involved making it more complex. They invoice the patient, the health insurance provider and the doctor’s office or hospital.

Most patients usually pay through cash or a combination of insurance and co-pay. Since there are so may parties involved in medical billing, sometimes the medical bill goes unpaid. This can be attributed to the confusion of who is responsible for payment. Regardless of any confusion the patient is ultimately responsible for paying the delinquent account.

When a patient’s account is delinquent past 60 days, the doctor’s office or hospital should consider hiring a collection agency to work on the medical debt. Similar to traditional debt collection, the goal of medical debt collections is to collect payment on your outstanding accounts. With medical accounts, the person trying to collect payment on the account must ensure they are not trying to collect on an account that is under scrutiny by the insurance company. If a collection agency successfully collects payment from a delinquent patient and the insurance company, double billing has occurred which could have serious consequences for the agency.

The office managers of the hospitals or doctor’s office need to ensure patients know that they are ultimately responsible for payment of services rendered. Somewhere on the invoice it should state that the patient is responsible for all bills. Whether the insurance is cancelled, there is incorrect billing information or any other issues with an account going delinquent, the doctor’s office or hospital should hire a collection agency to work on their medical debt collections.

The sooner the doctor’s office or hospital hires an outside party to work on their delinquent accounts, the better chances they will have receiving payment. In addition to receiving more payments faster, the doctor’s office can also focus more on their patients. They should hire a collection agency that keeps the doctor and patient relationships in mind. The reason for this is medical debt collections require a professional, trained representative who can request payment in a nonthreatening way. Utilizing an agency like this can not only increase the number of payments but increase patient retention.

If your doctor’s office or hospital is having problems with your accounts receivable and are seeing more and more accounts go outstanding.

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Contact a Medical debt collection agency today and let the professionals handle your delinquent accounts.

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