The self-pay problem in patient billing
Patient responsibility keeps rising, and the follow-up work rarely fits your billing team's capacity. Here's where balances get stuck.
High volume, small balances
Small-dollar self-pay balances overwhelm your billing staff and fall through the cracks.
Patients don't know they owe
Surprise bills and complex EOBs mean patients often don't realize they have a balance.
HIPAA + PHI exposure
Every patient contact carries HIPAA risk unless PHI is handled under a signed BAA with screening on every touch.
Start in early-out, under your brand
Work patient balances as first-party billing before charge-off. Patients see your practice's brand; ClaraPay runs the outreach, payments, and notices behind it — then hands off automatically when accounts age.
Your brand, first-party
Self-pay and patient balances are worked as your practice collecting its own current receivables — under your name, before anything ages to collections.
Automatic handoff
Accounts that pass your aging threshold (default 90 days) move to fully compliant collections. Accounts actively paying a plan in good standing stay in early-out.
Statutory notices preserved
Validation-notice and state-law disclosures still fire on schedule. The legal mode shifts at handoff; nothing statutory is skipped.
One patient experience from early-out through collections — the legal mode shifts, the experience doesn't.
A patient portal they'll actually use
Most patients would rather resolve a balance on their own time. The portal makes that effortless — and it's the same experience across early-out and collections.
Log in by phone
Patients verify with a one-time code — no account to create. Everything renders under your practice’s branding, in English or Spanish.
Pay their way
See the balance and a readable statement, pay in full by card or ACH, or set up a payment plan with optional automatic ACH payments.
Everything in one place
View and upload documents, message your team, review settlement offers, and download receipts — all self-service, on their schedule.
Every mailed validation notice carries a personal pay link and a scannable QR code, so a paper statement is one tap from payment.
How ClaraPay protects PHI
Healthcare recovery only works if compliance is structural, not a checklist. These controls are in place before we ever contact a patient.
A signed BAA before any PHI
We execute a Business Associate Agreement before a single record moves. No BAA, no placement — healthcare is never run through the standard flow.
Minimum-necessary access
Staff and AI agents see only the fields a task requires. Every read of a PHI-flagged field is written to an audit log.
Compliance screening on every contact
FDCPA, TCPA, and Reg F rules are enforced on each call, text, and letter — across all 50 states — before it goes out.
Signed BAAs with every subprocessor
Voice, SMS, mail, email, and payments each run through vendors that have signed a BAA with us — the PHI chain of custody stays covered end to end.
Encrypted at rest and in transit
Patient data is encrypted throughout its lifecycle, with access scoped by role and logged for audit.
Healthcare engagements are onboarded as a BAA-gated path, separate from standard creditor onboarding. Talk to us about your compliance requirements before placement.
Why AI-first vs. a traditional agency?
If you already have a collections vendor, here's what changes when AI does the work.
Built for healthcare and modern creditors
Illustrative scenarios from healthcare, retail, and financial creditors — not verified customer outcomes or performance guarantees.
“Patients actually prefer the self-service portal — fewer inbound calls to our billing office and faster payments, with PHI handled under a signed BAA.”
“Consumers actually prefer self-service. The portal means fewer inbound complaints and faster payments.”
“Compliance is built into every channel — not a spreadsheet we update after the fact.”
You only pay when we collect
No upfront fees. No monthly minimums. No setup costs.
Contingency-based pricing
Typical rates: 15–35% of collected amounts
Early-out is billed the same way — a percentage of what we collect, or no fee at all.
See ClaraPay in action
Book a 30-minute walkthrough and we'll show you what ClaraPay would recover from your portfolio.
What to expect
Personalized walkthrough
See a demo tailored to your portfolio type
Custom ROI estimate
We'll estimate your recovery improvement
No obligation
Honest answers, no pressure
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