RCM Billing Service Calculator

Total billing cost = Revenue Leak + Billing Fees. See how a 20% performance improvement dwarfs a 20% fee reduction — and what collection rate an in-house biller has to hit to beat a success fee.

Your Practice

Expected Monthly Revenue $250,000

$50K$1M

Gross collectible revenue after contractual adjustments

Your Billing Fee Rate 6.00%

2%10%

Collection Performance

Net Collection Ratio (NCR) 80%

50%100%

Benchmark: 95%+ for top-performing practices

Your Monthly Cost Breakdown

Revenue Leak

—

/ year

— / mo

Billing Cost

—

/ year

— / mo

Total Cost

—

/ year

— / mo

Annual Revenue Leak—

Annual Billing Fee—

Annual Billing Cost—

Formulas:
Revenue Leak = Expected Revenue × (1 − NCR)
Billing Cost = Expected Revenue × NCR × Fee Rate
Total Cost = Revenue Leak + Billing Cost

Your Practice vs ClinicMind

Enter your current fee rate and NCR above — see exactly what ClinicMind's 97% NCR at 8% means for your bottom line

Your Current Billing

Your Practice Today

Fee: — | NCR: —

Monthly Revenue Leak—

Monthly Billing Cost—

Annual Revenue Leak—

Annual Billing Fee—

Annual Billing Cost—

ClinicMind

The ClinicMind Difference

Fee: 8.0% | NCR: 97%

Monthly Revenue Leak—

Monthly Billing Cost—

Annual Revenue Leak—

Annual Billing Fee—

Annual Billing Cost—

Annual Billing Cost Comparison

Your Current Billing —

With ClinicMind (8% / 97% NCR) —

Your annual savings by switching to ClinicMind

—

At $250,000/month, ClinicMind's 97% NCR recovers more than the fee difference

NCR improvement benefit—

Fee premium paid to ClinicMind—

Performance-driven share—

Fee cost offset—

Revenue Leak = E × (1 − NCR) | Billing Cost = E × NCR × Fee% | ClinicMind fixed at 8% fee / 97% NCR — your current numbers from the sliders above

Your Practice

Expected Monthly Revenue $250,000

$50K$1M

Gross collectible revenue after contractual adjustments

Expected Annual Revenue $3,000,000

Monthly × 12 — auto-calculated from slider above

Your Billing Fee Rate 6.00%

2%10%

Aging Performance

Annual collection from Accounts Receivable $250,000

$50K$5M

Total annual collections from outstanding receivables

Your A/R > 120 Days 15.0%

5%50%

% of expected revenue aging past 120 days — likelihood of payment drops ~1% per day

Your Monthly Cost Breakdown

Revenue Leak

—

at risk

Billing Cost

—

/ year

— / mo

Annual Billing Cost

—

/ year

— / mo

Annual Revenue Leak—

Annual Billing Fee—

Annual Billing Cost—

Formulas:
Revenue Leak = Avg A/R × %A/R>120 (current at-risk balance — not annualised)
Annual Billing Fee = Expected Revenue × (1 − %A/R>120) × Fee Rate × 12
Annual Billing Cost = Revenue Leak + Annual Billing Fee

The Surprising Truth: Performance Beats Price

Adjust the sliders above to see how ClinicMind's 10% A/R aging and 8% fee compares to your current setup

Your Current Billing

Your Practice Today

Fee: — | A/R>120: —

Revenue Leak (At Risk)—

Monthly Billing Cost—

Annual Billing Fee—

Annual Billing Cost—

Billing Performance Optimization

Higher Fees, Saves More Overall

Fee: 8.0% | A/R>120: —

Revenue Leak (At Risk)—

Monthly Billing Cost—

Annual Billing Fee—

Annual Billing Cost—

Annual Total Cost

Your Current Billing —

High Fee (8%) + Low AR —

Annual savings — choosing the higher-fee, better-performing partner

—

At $250,000 avg. A/R, better performance outweighs the higher fee

Performance benefit (leak reduction)—

Fee premium paid (higher fee)—

Performance-driven share—

Fee cost offset—

Revenue Leak = Avg A/R × %A/R>120 (at-risk balance, not annualised) | Annual Billing Fee = E × (1 − %A/R>120) × Fee% × 12 | Net savings = leak reduction benefit minus fee premium — performance wins

Your Practice

Expected Monthly Insurance Revenue $250,000

$25K$1M

Payer side only. Cash collections are not billed and do not belong here.

If you hire a biller

Loaded Cost of Your Billing Staff $5,460

$0$20K

Salary plus payroll tax and benefits, per month. BLS median for medical records specialists is $51,140; loaded at ~28% that is about $5,460.

Your Team’s Net Collection Ratio 88%

70%99%

What your own biller actually collects of expected revenue.

If you use a full billing service

Success Fee Rate 6.50%

3%10%

Their Net Collection Ratio 95%

70%99%

HFMA regards 95% or better as the benchmark for a healthy revenue cycle.

The Question Is Not Salary Against Fee

Both options cost you leak plus billing. A biller is cheaper on the invoice and only wins if she collects nearly as well.

In-House

Your Biller

Cost: $5,460 | NCR: 88%

Monthly Revenue Leak—

Monthly Billing Cost—

Annual Revenue Leak—

Annual Billing Cost—

Annual Total Cost—

Full Service

Their Team

Fee: 6.50% | NCR: 95%

Monthly Revenue Leak—

Monthly Billing Cost—

Annual Revenue Leak—

Annual Billing Fee—

Annual Total Cost—

Annual Total Cost

In-house biller —

Full billing service —

Your biller must collect this well just to break even

—

Annual difference—

Leak gap (performance)—

Billing cost gap (price)—

Performance-driven share—

Revenue Leak = E × (1 − NCR) | In-house billing cost is fixed | Full-service billing cost = E × NCR × Fee% | Break-even NCR = 1 − (full-service total − staff cost) ÷ E

What this does not price

The model compares a fixed staff cost against a success fee at whatever collection rates you set. It does not price hiring, cover, turnover, or the software either option runs on — both run on the same platform. If it says keep your biller, in-house billing → is the service level you want. If it says otherwise, full billing service → is.

The fee was never the expensive part

Collection rate decides this, not price

If you want it worked out against your actual payer mix, your real denial history, and what your team is collecting today, that is a thirty-minute conversation.

In-house or outsourced billing: the number that actually decides it →
RCM In-House Billing · RCM Full Billing Service · All calculators

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