--- title: "Bank & credit-card reconciliation for dme & hme suppliers" description: "Bank & credit-card reconciliation for dme & hme suppliers: bank and credit-card reconciliation for every account, every month — no unreconciled items." url: https://ledgerbpo.com/industries/dme/bank-reconciliation/ updated: 2026-09-11 publisher: LedgerBPO (SS Support Network LLC) language: en-US --- # Bank & credit-card reconciliation for dme & hme suppliers Bank reconciliation for DME & HME suppliers is harder than it looks because almost every deposit is a bundle. A single Medicare EFT from your DME MAC covers dozens of claims and rental months, a commercial ERA arrives days before or after the money, patient card payments settle net of fees, and lockbox checks come with remittance images that need matching. - Since 2020 - US · UK · CA · AU - Named accountant plus backup - Your software, no lock-in [Book a billing audit](https://ledgerbpo.com/book-a-call/?topic=billing-audit) [Book a 20-minute call](https://ledgerbpo.com/book-a-call/) Updated September 2026 ## How it runs for DME and HME suppliers LedgerBPO reconciles every bank, credit-card, loan and merchant account monthly, matching each deposit to the cash posted in Brightree or Bonafide under our ReconBot workflow. Unmatched items go on an exception log with a name and a date rather than into a suspense account that nobody clears. ## What is a bank reconciliation service? A bank reconciliation service compares the transactions in your accounting software with the transactions on your bank and credit-card statements and explains every difference. The goal is a ledger balance that agrees with the statement after timing items such as outstanding checks and deposits in transit. Done monthly, it catches missing entries, duplicates, bank errors and fraud early. ## What we handle for DME and HME suppliers - Medicare MAC, Medicaid and commercial EFTs matched to posted cash by remittance date - Patient card and portal payments reconciled net of processor fees - Lockbox and mailed checks matched to remittance images and posted batches - Company credit cards, fuel cards and equipment loans reconciled to statements - Exception log for every unmatched deposit, with an owner and a resolution date ## The KPI that matters here No unreconciled bank item older than 30 days at any month-end. ## DME & HME compliance notes ### Medicare DMEPOS supplier rules Medicare DMEPOS suppliers must meet the supplier standards, hold accreditation and keep a surety bond to bill Medicare. Payment then follows fee schedules, competitive-bid amounts and capped-rental rules that decide when revenue is earned. Your books need to reflect those payment rules, not a generic sales model. ### Prior authorization CMS keeps a Required Prior Authorization List for certain DMEPOS items, and claims for those items without an affirmed decision are denied. We flag delivered-but-unauthorized orders as unbilled at each close so cash forecasts stay honest. Authorization work itself stays with your intake or billing team. ### HIPAA Patient names and diagnoses appear on remittances, statements and Brightree exports. Our staff are HIPAA-trained, we sign a BAA, access is logged and files are never downloaded to local devices. ### State sales tax on equipment Many states exempt prescribed durable medical equipment from sales tax while taxing retail accessories and over-the-counter items. We track taxable and exempt sales separately in the ledger so returns can be prepared from the books. Your tax preparer or advisor confirms the rules for each state. ## DME & HME software we work in - [QuickBooks Online](https://ledgerbpo.com/software/quickbooks-online/) - [Sage Intacct](https://ledgerbpo.com/software/sage-intacct/) - [Bill.com](https://ledgerbpo.com/software/bill-com/) - [Gusto](https://ledgerbpo.com/software/gusto/) - Brightree - Bonafide - TIMS Software - [All 50 platforms](https://ledgerbpo.com/software/) ## More for DME and HME suppliers Other services for dme & hme - [Bookkeeping](https://ledgerbpo.com/industries/dme/bookkeeping/) - [Invoicing and billing](https://ledgerbpo.com/industries/dme/invoicing-and-billing/) - [Accounts receivable](https://ledgerbpo.com/industries/dme/accounts-receivable/) - [Accounts payable](https://ledgerbpo.com/industries/dme/accounts-payable/) - [Month-end close](https://ledgerbpo.com/industries/dme/month-end-close/) - [Financial reporting](https://ledgerbpo.com/industries/dme/financial-reporting/) - [All dme & hme services](https://ledgerbpo.com/industries/dme/) Bank reconciliation in other industries - [Marketing agencies & consultancies](https://ledgerbpo.com/industries/agencies/bank-reconciliation/) - [Auto repair shops & dealerships](https://ledgerbpo.com/industries/auto/bank-reconciliation/) - [Behavioral health practices](https://ledgerbpo.com/industries/behavioral-health/bank-reconciliation/) - [Daycares, schools & education](https://ledgerbpo.com/industries/childcare-education/bank-reconciliation/) - [The full bank reconciliation page](https://ledgerbpo.com/services/bank-reconciliation/) ## Frequently asked questions ### Why does the Brightree cash report never match the bank statement? Timing and netting. Remittance advices are posted when received, while the EFT can land a few days earlier or later, and card payments settle net of processor fees. We reconcile by matching each posted batch to its deposit and recording the fee and timing differences explicitly. When the two still disagree, the difference is usually an unposted remittance or a duplicate posting, which the exception log surfaces. ### How do you handle Medicare recoupments and offsets? When a MAC offsets an overpayment against a new remittance, the deposit is smaller than the posted payments. We record the offset against the original claim or the overpayment liability, so the bank reconciles and the AR aging stays accurate. Your billing team sees the recoupment on the exception log the same week it happens. ### Can you reconcile our equipment loans and lines of credit too? Yes. Every loan, line of credit and equipment lease is reconciled to the lender statement monthly, with interest and principal split correctly. Draws and paydowns on a line of credit are matched to bank activity so the balance sheet shows the real position, which matters when a lender asks for covenant reporting. Next step ## Books closed. Invoices paid. Every month. Tell us what is going on with your books or billing. You will hear from a named person within 1 business day, with a custom quote and a plan for the first close. - Reply from a named person within 1 business day - No setup fee, month-to-month - Your software, your data, no lock-in Start with a custom quote [Book a billing audit](https://ledgerbpo.com/book-a-call/?topic=billing-audit) [Book a 20-minute call](https://ledgerbpo.com/book-a-call/) Or call [+1-657-777-0006](tel:+16577770006) during US, UK or Australian business hours. --- Source: https://ledgerbpo.com/industries/dme/bank-reconciliation/ · Contact: https://ledgerbpo.com/contact/ · Full site map for agents: https://ledgerbpo.com/llms.txt