The short answer
Practices collect patient balances 3.4x faster with text-to-pay than with mailed statements. Card on file with tokenised storage, automated payment plans and HSA/FSA acceptance with clean reconciliation are the core of a modern practice setup.
Card on file changes collection entirely
Capturing a card at intake with clearly disclosed terms means the post-insurance balance is charged rather than chased. It is the single biggest improvement most practices can make.
HSA and FSA reconciliation
These cards behave differently and should be separated in reporting, or they quietly distort your effective rate and confuse month-end.
Key takeaways
- Text-to-pay dramatically shortens collection cycles
- Card on file at intake beats statement chasing
- Separate HSA/FSA in reporting
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