Patient payment plans, insurance balance billing, and HSA/FSA acceptance on one rail.
Dental and orthodontic practice processing with patient payment plans, in-network insurance balance billing, and HSA/FSA card acceptance configured for dental MCC and IRS-eligible code lists.
Dental and orthodontic practices have a different revenue mix than most healthcare: patient out-of-pocket is usually 30-50% of collected revenue (depending on PPO vs cash-only mix), and the rest comes through insurance ERA payments. The card processing matters because patient out-of-pocket is where 95% of disputes and bad-debt write-offs happen. We configure processing for MCC 8021 (dentists), enable HSA/FSA card acceptance with IRS-aligned product codes so cards approve at the chair, and set up patient-pay plans (deposit + monthly recurring) so a $4,500 ortho case does not require a single point-of-sale charge. Practice management software (Dentrix, Eaglesoft, OpenDental, Dolphin) integrates as the front-end; the processing rails sit underneath.
Yes. We integrate as the processing layer under existing dental practice management software. The front desk workflow does not change; the back-end fees, decline rates on HSA/FSA cards, and patient-pay plan reliability all improve.
HSA and FSA cards run on Visa or Mastercard but only authorize for IRS Section 213(d) eligible expenses. Most dental services qualify (cleanings, fillings, ortho, implants, even most cosmetic cases that are restoratively necessary). Pure cosmetic veneers and teeth whitening typically do not. We map your fee schedule to eligibility codes at signup.
Card processing data is governed by PCI DSS, not HIPAA, but HIPAA still covers the patient identifier attached to the payment record. We tokenize cardholder data so a breach of practice management software cannot expose card numbers, and we sign a Business Associate Agreement (BAA) where required.