Take care of your patients, cash in without delay!

Commercial invoice reminders for the medical sector

Clinics, private hospitals and ESPICs (Etablissement de santé privé d’intérêt collectif – private health establishments of collective interest) face a twofold problem when it comes to unpaid bills.
On the one hand, there are large volumes of receivables, the vast majority of which are for small amounts, and on the other, receivables from third-party organizations such as mutual insurance companies or health insurance funds.
These unpaid reminders require a great deal of energy, and are very time-consuming for in-house teams.
It’s vital that your collection processes take place as quickly as possible.
We’re not talking about statutes of limitation, which are maximum periods beyond which legal action is no longer admissible.
We are talking about optimize your internal out-of-court collections.

The right balance needs to be struck between the impact of unpaid bills on the healthcare establishment’s cash flow, and the ethical and qualitative approach to patient collection.

Issues surrounding patient claims

Patient receivables often range from a few euros to several hundred euros.
Clinics sometimes have a delay of several weeks between coding, invoice registration and internal reminders.
It can therefore take several months before the decision is taken to call in a specialist company to deal with debtors who fail to respond to the first internal reminders.
In many cases, the debtor deliberately avoids the process by various means: loss of credibility due to the delay in intervention, debtors who have left without leaving an address, bad faith.
Some patients are familiar with medical structures and know that, given the costs involved, there will be no legal proceedings.

How do you deal with small claims in the medical sector?

Our solution: to offer solutions specially designed for clinics.
Our approach is unique in that our dunning scenarios are adapted to the size of the receivables.
We work with each customer to segment their portfolio and decide on a strategy for each amount range.
Kreancia can automate the collection process while maintaining a personalized approach that respects your patients – debtors.

• A “Back Office” team to configure your files exported from your Information System, so that we can adapt to your formats.
  We can integrate direct payment files automatically, or send you payment files received from us in the format of your choice, rather than requiring time-consuming , error-prone manual input.
• A team specialized in telephone reminders which, as soon as the file is opened, will contact your patients – debtors to obtain payment or a commitment.
• An integrated management system based on new technologies, so that patients can be contacted at different times and on different days of the week, including Saturday mornings.
• A data enrichment and qualification system that enables you to normalize postal addresses and search for incorrect or missing telephones as soon as your files are integrated, in order to reduce the rate of undeliverable mail.
• A dedicated ” Debtor ” area to keep patients informed, secure and guided towards payment.
• A COLLECTEO customer portal enabling each healthcare facility to manage its collections, to obtain the position of its receivables with just one click (we can easily manage a debtor with several receivables and use the IPP as a reference, for example), in real time the file of collections, certificates of irrecoverability, … or to obtain clear statistics on collection rates.

Outsourced collection costs

As far as the budgetary framework is concerned, we identify the types of receivables (types, amounts per tranche, volume, freshness of unpaid debts) and propose a “tailor-made” economic model that does not include annual subscriptions or flat rates.
Our solutions are cost-based.
We therefore operate with hybrid solutions combining obligations of means and success fees.
We have the solution, whether it’s for a claim of €25 from “emergency” services, a fee overrun of €1,500 or a third-party payment claim of €15,000.
Our transparent pricing structure makes outsourced collection services easy to access and cost-effective.
We are a trusted partner in many sectors, including healthcare.

Legislation concerning the collection of debts from private individuals

This is particularly important in the healthcare sector, where debtors are private individuals.
Therefore, in full compliance with the law, we would like to remind you of the following articles.
In the amicable phase of debt collection on behalf of third parties, article L. 111-8 of the French Code of Civil Enforcement Procedures applies.
This stipulates that the costs of out-of-court debt collection are to be borne exclusively by the creditor.
Paragraph 2 of article L. 111-8 stipulates that :

“Collection costs incurred without a writ of execution shall be borne by the creditor, unless they relate to an act which the creditor is required by law to perform. Any stipulation to the contrary is deemed unwritten, unless otherwise provided by law”. Consequently, the debt collection company may not charge collection fees in addition to the principal and default interest stipulated in the first two paragraphs of article 1231-6 of the French Civil Code. Article L.121-21 of the French Consumer Code prohibits the claiming of collection fees in amicable proceedings on behalf of third parties.
Failure to comply with these provisions is punishable by two years’ imprisonment and a fine of 300,000 euros under article L.132-23 of the French Consumer Code.