Pricing
3% of collections. That is the whole price.
Below is every number: what the 3% covers, the one thing that is worked separately, the minimum, and how you leave. There is nothing on a call that is not on this page.
3% of collections
That is the entire price. Nothing on this page is quote-gated, and nothing is priced on a call.
3% of collections · $1,000/month minimum · no setup fee · month to month
- 3% of the insurance payments we collect for you
- Eligibility, claims, rejections, status, posting and reconciliation, denials, secondary claims, payer enrollment, reporting — and every claim reviewed before it goes out. Clearinghouse and transaction costs are ours, not a line on your invoice.
- Old balances: 10% of what we actually recover, worked separately
- Insurance receivables from before we took over are snapshotted on day one and worked under their own agreement. Recover nothing, pay nothing on them.
- $1,000 a month minimum · no setup fee · month to month
- If we have to build the connection to your EHR, that is on us. Leave with 30 days’ notice; there is no term to buy out.
Why 3% is not a stripped-down service
A rate this low usually means a biller who has cut the people who chase the hard claims. Ours is 3% because the routine work — eligibility, submission, acknowledgments, status, posting — runs on automated clearinghouse connections instead of a room of billers keying claims. A person still works every exception, we are paid on what is collected, and old balances are worked under a separate agreement where we are paid only if we recover. And you get a plain account of what was billed, what was paid, and what is being worked.
What is included
Nothing below is priced separately.
The percentage is the price. There is no setup fee, no per-claim charge, and no clearinghouse fee passed through — and the one thing that is worked separately is named on this page, not discovered on an invoice.
- Eligibility verification
- Coverage checked before the visit and re-checked when it matters — no per-check fee.
- Every claim reviewed before it goes out
- Coverage, authorization, diagnosis, dates and units, modifiers, and whether the note supports the code and the time. What is flagged goes back to you to decide.
- Claim submission, acknowledgments, and status
- Sent through automated clearinghouse connections and watched from the moment it leaves; a rejection is read the day it arrives.
- Payment posting and reconciliation
- Every remit posted against the allowed amount in your contract, so an underpayment is a line item.
- Denials, appeals, and secondary claims
- Worked by a person who knows the payer, with timely-filing clocks tracked.
- Payer transaction enrollment
- We enroll with your payers to send claims and receive remits, in the right order.
- Plain reporting
- What was billed, what was paid, what is being worked, and what we recommend — in language you can act on.
- The connection to your EHR
- On a standard we publish, or built by us at no charge. Clearinghouse and transaction costs are ours too.
Old balances
10% of what we actually recover — and only that.
Old insurance balances carry real risk of never paying, which is why they are worked on contingency rather than folded into the 3%. If you would rather we leave them alone, we bill forward from day one and the free analysis simply tells you what is sitting there.
- Insurance receivables with dates of service before we take over, snapshotted on day one.
- Worked under their own agreement: 10% of what we actually recover. Recover nothing, pay nothing.
- Excluded: payments already in transit, existing payment plans, and work your previous biller had finished but not yet posted — so attribution stays clean.
- Never mixed into the 3%: forward billing and old balances are two buckets, on purpose.
For context
What percentage-of-collections billing usually costs.
Full-service percentage-of-collections billing for behavioral-health practices commonly runs about 4% to 10% of collections, with most practices landing between 5% and 7% — that is the range in Tebra’s guidance for billing companies and the same span practice owners report in Physician Side Gigs’ buyer-side guide. Neither is audited data or specific to behavioral health — Tebra also surveys billing companies, and Physician Side Gigs reports what physicians in its communities say they pay — and both are worth reading before you sign with anyone, including us.
The same buyer-side guide notes that rates under 4% usually signal more basic services with less incentive to chase collections, and “may be AI based or without a significant amount of operational presence in the United States.” We think that is a fair warning, which is why the answer to it is on this page: the routine work is automated, a person works every exception, we are paid on what is collected, and old balances are worked separately where we are paid only if we recover. The full breakdown — what the percentage is charged on, and what to ask anyone quoting below the range — is in our guide to what billing companies charge.
Terms, plainly
How you leave, and what we sign.
Month to month with 30 days’ notice, and no term to buy out. Every practice signs a BAA with us before any data moves, and the fee agreement is a plain document you read before you sign.
The minimum is $1,000 a month, which is what 3% comes to at about $33,000 a month in insurance payments. Below that, talk to us before signing — the free analysis will tell you whether the arrangement pays for itself, and if it does not, we will say so.
Recoup is for outpatient mental-health practices that bill insurance — group practices and clinics first, including outpatient substance-use treatment. It is not built for cash-only practices, or for residential, detox, or partial-hospitalization programs, which carry different billing entirely. That is worth knowing before you move your billing rather than after.
Start with your own numbers.
The free Revenue Leakage Analysis comes first: a written account of where revenue is being lost, within five business days of receiving your data. No obligation, no sales call.
3% of collections · $1,000/month minimum · no setup fee · month to month
Want the rest of the story first? See how Recoup works — or ask us anything at hello@recoupclaims.com.
We handle PHI under HIPAA and sign a BAA with every practice.