The credit-card-on-file practice requires a patient’s credit card at the time of service, which is used to cover balances after an insurance claim adjudicates. In addition to increasing total collections, charging the card on file also enables an urgent care to capture payments more quickly than time-consuming and costly collection efforts, such as mailing statements. In an Experity analysis of 392,699 comparable Blue Cross Blue Shield urgent care visits in 2024, 80% of patient responsibility …
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