---
title: "Balances explained kindly, payment plans set up"
description: "Patient balance explanations, statement queries and compliant payment plan setup by HIPAA-trained agents. Dedicated accountant, your software."
url: https://ledgerbpo.com/services/billing-calls/patient-billing-calls/
updated: 2026-09-11
publisher: LedgerBPO (SS Support Network LLC)
language: en-US
---

# Balances explained kindly, payment plans set up

LedgerBPO's patient billing call center answers and makes patient calls in your practice's name: explaining balances, insurance adjustments and statements, setting up payment plans and taking statement questions. Every agent is HIPAA-trained and works under a signed BAA, with notes written against the patient account in Kareo, AdvancedMD or your practice management system.

- 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/) In short

- Balances explained kindly, in plain language, under your practice name
- Payment plans and statement questions handled on the first call
- HIPAA-trained agents, signed BAA, no card data stored

Updated September 2026 · Reviewed by [Nimra Khalid](https://ledgerbpo.com/team/nimra-khalid/)

## What is a patient billing call center?

A patient billing call center is a dedicated phone, email and text desk that handles patient questions about balances, statements, insurance adjustments and payment options for a practice or agency. Agents are trained in HIPAA and payer terminology, so they explain why a balance exists and how to settle it, while the practice keeps control of write-offs and discounts.

## Who it is for

### Medical, dental and behavioral health practices

Front-desk staff are checking in patients while the phone rings about a statement. A dedicated patient billing line answers those calls with the account open.

### Home care and home health agencies

Families call about private-pay balances, co-pays and spend-down amounts. Agents who understand the payer side explain the numbers without confusion.

### Multi-location groups

Several locations means several statement cycles and several sets of questions. One patient billing desk gives every location the same answer and one report.

## What's included

- Inbound patient billing line answered in your practice's name
- Balance and statement explanations using EOB and adjustment detail
- Outbound courtesy calls after statements go out, where consented
- Payment plan setup within the rules you approve
- Payment guidance through your patient portal or IVR; no card data taken
- Insurance-on-file corrections and re-bill requests routed to billers
- Financial assistance and hardship requests logged for your review
- Statement re-sends, itemized bills and receipts sent during the call
- Text and email replies to statement questions from approved templates
- Notes posted to the patient account in your practice management system
- Weekly report: calls, reasons, plans set up and dollars promised
- Backup agent and team lead cover for leave and peak statement weeks

## Deliverables and KPIs

| Deliverable | KPI we report | Cadence |
| --- | --- | --- |
| Patient calls handled | Answer rate, speed of answer and first-call resolution rate, reported weekly | Weekly |
| Account notes | Every contact written against the patient account with a reason code | Per contact |
| Payment plan register | Plans set up, on track, missed and completed | Weekly |
| Re-bill and correction queue | Insurance corrections handed to billers with turnaround time | Daily |
| Patient collection report | Patient responsibility billed versus collected, by statement cycle | Monthly |
| Reason-for-call analysis | Top statement questions with a suggested wording fix | Monthly |

KPIs are what we measure and report, agreed per engagement. Service-level commitments are set in your agreement.

## How it works

1. ### Billing audit call
We review your statement cycle, patient AR by age, payment plan rules, financial assistance policy and practice management system. A BAA is signed before any patient data is shared.
2. ### Scripts, plan rules and access
We write balance-explanation and payment-plan scripts in your voice, agree the plan terms the agent may offer, and take minimum-necessary access to your system and patient portal.
3. ### Dedicated agent takes the line
A named, HIPAA-trained agent, a backup and a team lead answer patient calls and work the post-statement courtesy list. Corrections go to billers the same day.
4. ### Weekly review
You receive the call report, plan register and correction queue weekly. Monthly we review the reason-for-call analysis and propose statement wording changes that cut repeat calls.

Our BillingLine process

Patient calls run on our BillingLine desk with a healthcare script set covering balance explanation, insurance status, payment plans and hardship requests. Each script names what the agent may offer and what must be routed to you, and every contact ends with a note on the account.

## Software we work in

- [Kareo (Tebra)](https://ledgerbpo.com/software/kareo-tebra/)
- [AdvancedMD](https://ledgerbpo.com/software/advancedmd/)
- [QuickBooks Online](https://ledgerbpo.com/software/quickbooks-online/)
- [Stripe](https://ledgerbpo.com/software/stripe/)
- [All 50 platforms](https://ledgerbpo.com/software/)

## How much does patient billing calls cost?

Patient billing calls are priced per dedicated agent, full-time or part-time in your hours, or per call and per minute on the shared BillingLine desk for smaller practices. Practices that want calls and payment posting in one pod choose an agent plus billing accountant pair. Pricing depends on volume and scope, so we send a custom quote within 1 business day.

### What moves the quote

- Monthly patient statements and expected calls per cycle
- Hours of coverage and whether evening or weekend cover is needed
- Payment plan volume and financial assistance workload
- Whether the pair also posts patient payments and reconciles deposits

[Book a billing audit](https://ledgerbpo.com/book-a-call/?topic=billing-audit) No setup fee. Month-to-month.

## Patient billing calls for your industry

- [Medical practices & clinics](https://ledgerbpo.com/industries/medical-practices/)
- [Dental practices](https://ledgerbpo.com/industries/dental-practices/)
- [Behavioral health practices](https://ledgerbpo.com/industries/behavioral-health/)
- [Home care & home health agencies](https://ledgerbpo.com/industries/home-care/)
- [DME & HME suppliers](https://ledgerbpo.com/industries/dme/)
- [Clinical laboratories](https://ledgerbpo.com/industries/clinical-labs/)
- [All 26 industries](https://ledgerbpo.com/industries/)

## Case study

90+ day AR down 62%

Case study
### [Cutting 90+ day AR by 62% for a home-care agency](https://ledgerbpo.com/case-studies/home-care-ar-90-days/)

A home-care agency in the Midwest billed a mix of Medicaid waiver programs, managed-care plans, long-term care insurance and private-pay families. Claims went out, but nobody owned the follow-up. Denials sat in the clearinghouse, family invoices were sent once and forgotten, and the 90+ day bucket grew every month. The agency engaged LedgerBPO for home-care billing, accounts receivable and AR follow-up calls. A named billing specialist, a backup and a team lead worked inside the agency's scheduling software, clearinghouse and QuickBooks Online. Over the engagement the 90+ day AR balance fell by 62%. The agency did not add staff, change payers or switch software. It added a team whose only job was to bill cleanly and follow every unpaid claim and invoice to a resolution.

Home care & home health
## Security and compliance

- HIPAA-trained agents, signed BAA, minimum-necessary access and MFA on every login
- Card numbers are never read or stored; payments run through your portal or IVR
- Recording notice and consent per state or country before any patient conversation

Full control list on the [security page](https://ledgerbpo.com/security/) and country rules on the [compliance page](https://ledgerbpo.com/compliance/). Certifications are listed only when held.

## Frequently asked questions

### How much does a patient billing call center cost?

Patient billing calls are priced per dedicated agent (full- or part-time in your hours), per call or minute on the shared BillingLine desk, or as an agent plus accountant pair. Statement volume, coverage hours and payment plan workload move the quote. Pricing depends on volume and scope, so we send a custom quote within 1 business day.

### Are patient calls compliant with HIPAA?

Agents complete HIPAA training before taking any patient call, work under a signed BAA, verify identity before discussing an account, and hold minimum-necessary access to your system. Access is logged, MFA is required on every login, and no patient data leaves your practice management system for local storage.

### Are these third-party collection calls?

No. We are not a debt collection agency and never act as a third-party collector. Every call and text is first-party communication under your practice's name, and scripts are TCPA- and FDCPA-aware in the US, with PECR and Ofcom, ACMA and CRTC rules followed in the UK, Australia and Canada. Accounts you place with a licensed collector leave our desk.

### How do agents explain a balance a patient does not understand?

The agent opens the claim, reads the EOB adjustments and explains in plain words what insurance paid, what was adjusted and what is patient responsibility. If the insurance on file is wrong or a claim was denied in error, the agent routes a correction to our medical billing team and tells the patient what happens next.

### Can the agent set up a payment plan?

Yes, within terms you approve during setup, such as minimum monthly amount and maximum length. The agent records the plan on the account, sends the confirmation, and tracks missed installments. Anything outside your rules, including hardship discounts, is logged for your decision.

### Can the agent take a card payment on the call?

The agent walks the patient through your patient portal, payment link or IVR and stays on the line until the payment completes. Agents never see, key in or store card numbers, which keeps card data inside your PCI-scoped systems. Recording is paused during the payment step wherever your phone system supports it.

### Do you make outbound calls to patients?

Yes, where the patient has consented and local rules permit. A typical cadence is a courtesy call or text a week after the statement, then a reminder call before the next cycle. Local call-time windows, opt-outs and recording consent are honored in every state and country.

### How does this connect to our medical billing?

The patient billing desk sits beside our medical billing team. Corrections, re-bills and payer questions raised on a patient call are worked by the biller the same day, and patient payments posted by the pair reconcile to your deposits. Our medical billing services page describes the full revenue cycle.

Talk to a person

A 20-minute call with someone who runs patient billing calls every day. No sales script.

[Book a 20-minute call](https://ledgerbpo.com/book-a-call/) [Book a billing audit](https://ledgerbpo.com/book-a-call/?topic=billing-audit) Compliance note

You approve and release every payment. We never move money, sign returns or give audit opinions. [Country rules](https://ledgerbpo.com/compliance/).

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.

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Source: https://ledgerbpo.com/services/billing-calls/patient-billing-calls/ · Contact: https://ledgerbpo.com/contact/ · Full site map for agents: https://ledgerbpo.com/llms.txt