Many hospitals and physicians are seeing an increase in healthcare bad debt as the result of the rise in the number of self-pay patients, as well as larger co-pays and deductibles. NCO provides patient-sensitive collection services for those aged receivables to assist hospitals when a provider’s internal efforts are exhausted. NCO’s Healthcare Bad Debt Recovery Services program resolves delinquent receivables by working as a third-party collector while maintaining the utmost respect for self-pay patients and your entire patient population.

Work Standards
All accounts receive appropriate telephone interaction and letter campaigns. Proven workflows ensure every account assigned to NCO receives the attention needed through portfolio penetration regardless of balance and accelerated account resolution.

Account Scrubbing / Skiptracing
NCO utilizes proprietary tools to scrub accounts for inaccurate account demographics. We search through our internal database of 450 million records, supplemented by data provided by the leading national vendors.

NCO differentiates itself from other vendors with our account scoring and segmentation process, helping you identify those self-pay patients most likely to pay their account balances. We have developed a proprietary scoring model that allows us to predict account payment probability.

Insurance Billing
NCO understands that not healthcare bad debt is truly uncollectable. That is why we also handle insurance billing and follow-up procedures for all insurance carriers, including Commercial, Managed Care, Medicare, and Medicaid. In many cases we have turned what was believed to be healthcare bad debt into collectable receivables.

Credit Bureau Reporting
At your direction NCO can report healthcare bad debt delinquent accounts to one or more of the three national credit bureaus (Experian, Equifax and TransUnion).

Legal Recourse
NCO manages one of the nation’s largest attorney networks. We have well-established relationships with attorneys in all 50 states and use this nationwide network when pursuing accounts that require litigation. These attorneys specialize in healthcare collection work and are well versed in all federal, state, and local regulations pertaining to healthcare bad debt collection.

Lien Services
NCO offers a cost-effective means of securing your interest in third-party liability cases by filing a lien with the court, aggressively following up with attorneys and insurance companies, then releasing the liens once recovery is received.