Medical Billing Cost Calculator
What an in-house biller costs against outsourcing at a flat rate. Move the slider to your monthly collections and the figures update.
Medical Billing Pricing: One Rate, Only on What You Collect
No setup fee, no monthly platform charge, no per-claim math. We charge 3.99% of what we actually collect for you, and every new client starts with a free audit.
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Compare outsourced medical billing cost against an in-house biller at our flat 3.99% rate.
In-house cost assumes one biller per $80,000 of monthly collections at $65,000 salary plus $3,000 overhead. Your own staffing may differ. Open the calculator on its own page if you want to share it.
What the in-house figure assumes
A full-time biller in the United States costs around $65,000 a year in salary, and roughly $3,000 more in software, clearinghouse fees and the share of your practice management licence that sits with them. That is $68,000 loaded, or about $5,667 a month.
One biller handles roughly $80,000 of monthly collections before the work starts slipping. A practice collecting $240,000 a month needs three of them. That ratio is where the in-house line in the calculator comes from, and it is the number most worth arguing with — a practice with clean front-end processes and a narrow payer mix will stretch a biller further than one fighting prior auth on every encounter.
What the calculator leaves out
Turnover. Replacing a biller takes somewhere between two and four months of reduced collections while the new one learns your payers, and most practices do not count that as a billing cost even though it is the largest one they face.
Cover. A single biller means collections stop when they are on leave or off sick. The calculator compares salary against fee; it does not price the weeks nobody is working your AR.
And it assumes the biller is good. The difference between a 96 and an 85 percent first-pass rate on $240,000 of monthly charges is larger than the whole fee either way.
When in-house still wins
A practice collecting under about $60,000 a month with a simple payer mix is often better off with a part-time biller who knows the front desk. The arithmetic here favours outsourcing as volume and payer complexity climb, and it is honest about the point where it does not.