Patient Financing Services

ClearBalance® HealthCare offers consumer-friendly patient financing and patient pay management solutions to reduce bad debt, accelerate cash flow and increase patient loyalty. Health systems use the ClearBalance program as part of a Pre-service to Next Service Patient Financial Journey™ The approach eases patients’ concerns about their out-of-pocket costs by providing payment options, gives them reassurance throughout their care episode, and positions your health system as the logical, affordable choice the next time they need care.

ClearBalance zero- and low-interest patient financing

A revolving line of credit patients use to pay their portion of care.

Payment Plan Transition

Relieve AR pressures and boost cash flow while giving patients flexibility to repay out-of-pocket costs.


State-of-the-art account servicing platform that integrates with patient accounting, estimation and eligibility tools and provides SSO to payment platforms.

Epic Integration

Available in the Epic App Orchard, ClearBalance is the only patient services provider to offer single sign-on to Hyperspace and MyChart.

Program Management

Best practice service methodology for implementation, training, patient engagement and ongoing, dedicated account management.

ROI Value Model™

The only HFMA Peer Reviewed calculator that sets and delivers against national benchmarks for patient financing.

Patient Engagement

Patient outreach, self-service tools and one-on-one healthcare-dedicated customer service to help patients manage their accounts.

Patient-Consumer Experience

Moving healthcare forward by improving the patient experience

ClearBalance HealthCare combines the best of high-tech and high-touch for a truly engaged patient-consumer experience to support patients when, where and how they want service.

Empowered Account Management: Featuring true single sign-on integration from your patient portal, our patient-facing self-service tools are an extension of your brand and enable patients to manage their account at their convenience.

Dedicated, Empathetic Personal Assistance: For patients who prefer one-on-one interaction, the ClearBalance Patient Experience Center provides high-touch customer support. Our only business is healthcare and our focus is on your patients.

Female Service Agent


91% very likely to return to healthcare provider that offers ClearBalance


89% will refer family and friends to provider that offers ClearBalance

Delivering Results

Healthcare Provider Benefits

  • Enhance your consumer brand
  • Increase patient pay reimbursement
  • Improve, accelerate cash recovery
  • Redirect staff by outsourcing to the patient pay expert
  • Maintain compliance with consumer lending regulations
"It’s important to engage patients in a way that enables them to affordably repay their cost of care while also contributing to a strong bottom line."
Healthcare IDN
"Patients are excited to hear the plan is interest-free and that they don’t have to apply, wondering if they’ll be accepted."
Financial counselor, New York

Patient-Consumer Benefits

  • Reduce the stress of paying healthcare bills
  • Simplify and automate the process for patient financing
  • Provide convenience for payment and bill consolidation
"ClearBalance is a great alternative to a credit card, where there is interest stacked on top of your medical cost. Most of my medical cost has been unplanned, with no chance to budget for the expense."
age 62-72

Client Results

Leading healthcare providers nationwide rely on ClearBalance patient financing solutions to reduce bad debt, boost patient pay reimbursement and increase patient loyalty. Learn more about our partners’ results.

Baylor Scott & White Health:

Patient Experience

Hackensack Meridian Health:

Patient as Key Payer

MaineGeneral Health:

Balances Affordability & Financial Performance

Top Performers See Results

with Patient Financing

Providers Manage:

The “Money Conversation”


Patient Engagement Strategy

Mosaic Life Care:

Addresses Patients with HDHPs