Medical & Health Debt Recovery: Sensitive, Respectful & Professional
Recovering medical and healthcare-related debts requires a balance of compassion, professionalism, and compliance. Bluechip helps clinics, specialists, hospitals, allied health providers, and medical groups recover overdue patient accounts without compromising trust, patient relationships, or privacy.
Common Pain Points in Medical & Health Debt Recovery
- Patients avoiding payment after treatment
- Sensitive financial circumstances requiring empathy
- High volume of small unpaid invoices
- Gaps in patient communication history
- Missed Medicare/private health gap payments
- Outstanding co-payments or specialist fees
- Admin teams overwhelmed with follow-ups
- Need for privacy-compliant and respectful communication
How Bluechip Recovers Medical & Patient Billing Arrears
We tailor our approach to healthcare standards and patient sensitivity:
Patient-Friendly Communication
- Polite, respectful dialogue
- Soft follow-ups via email/SMS
- Compassionate phone calls from trained agents
Healthcare-Informed Recovery Workflows
- Gap fee recovery
- Private billing arrears
- Specialist and allied health unpaid invoices
- Hospital outpatient billing follow-ups
- Unpaid pathology and imaging charges
Documentation & Compliance
- Privacy-sensitive handling
- Notes suitable for practice managers and administrators
- Clear dispute documentation
- Full communication audit trail
Optional Pre-Debt Reminder Cycles
Extremely effective for medical groups:
- Automatic appointment-followup payment reminders
- Soft patient prompts before final notices
- Reduces escalations and protects patient relationships
Pricing (Collections Commission + Optional Pre-Debt)
Collections Commission Schedule (Standard Bluechip Rates)
- 6.5% — Over $100,000
- 10% — $50,001 – $100,000
- 12.5% — $30,001 – $50,000
- 15% — $10,001 – $30,000
- 20% — $5,001 – $10,000
- 25% — $1,001 – $5,000
- 35% — $100 – $1,000
Additional Conditions
- Older than 12 months: +5% surcharge
- Under $500: $10 + GST loading
- No recovery, no commission
Optional Pre-Debt Recovery Pricing
- 1–10 accounts: $25 + GST / month
- 11–20 accounts: $40 + GST / month
- 21–50 accounts: $70 + GST / month
- 51–100 accounts: $120 + GST / month
- 101+ accounts: Custom
Billed monthly in advance.