MONITOR
TERMINAL BAD DEBT RECOVERY

where Write-offs become revenue.

Terminal bad debt isn’t the end of the revenue cycle. Accounts that were uncollectible last year are not always uncollectible this year. That’s where we come in.

WHY TERMINAL BAD DEBT STAYS TERMINAL

Once an account is written off, it stops being worked. Contact information goes stale, financial circumstances change, and no one is watching. Providers close the file and move on, leaving balances that patients could have paid sitting permanently outside the revenue cycle. The write-off becomes permanent by default, not by fact.

Our Advantage:
Monitoring, Analytics, and Engagement

MONITOR continuously reevaluates closed and returned accounts, flagging the moment updated contact data or improved financial circumstances create a new opportunity to pay. Advanced signal scoring segments every account, patient-friendly outreach handles the conversation, and Medicare and non-Medicare balances are treated the same. Providers see an average 2% to 6% increase in recovery.

how it

works

Data Retrieval

You place accounts using your standard bad debt file, including a four-year historical lookback.

Proprietary Analytics

Data augmentation & signal scoring segment accounts into high engaged, mid monitored, and low returned.

Engagement & Collections

Courteous, consultative outreach with itemized balance explanations.

Recovery & Returns

Accounts are collected or returned based on score bands, with ongoing forward-flow placements.

Download the Monitor Overview

rethinking terminal bad debt

 

MONITOR is a safety-net bad debt recovery solution that extends your revenue horizon by continuously reevaluating accounts previously deemed uncollectible. This overview covers how the program works, what it requires from your team, and what four years of continuous recovery looked like for one large healthcare provider.

Extended recovery for

TerminalBad Debt

MONITOR runs as a fully managed program on performance-based pricing, so there is no operational lift and no cost until revenue is recovered. Your existing placement process stays exactly as it is, and Medicare cost reporting requirements stay intact while the recovery window keeps extending.

Up to 20% incremental recovery

From legacy bad debt portfolios

Millions in new net revenue

From balances previously written off

Extended recovery lifecycle

Capturing payment opportunities traditional collections miss

Higher long-term ROI

On historical AR portfolios

Cumulative Recoveries

Actual, one healthcare provider

In four years, more than $110 million in incremental gross revenue was identified and recovered for this provider.

$35 million annually going forward.

The graph illustrates the cash impact of the MONITOR analytics program for a large healthcare provider.