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Medical billing cost calculator

See what outsourced billing would cost your practice, compare pricing models, and check how much you could save versus billing in-house.

Your practice

$5k$1M
In-house cost assumptions

Benefits and payroll taxes are added at 25% of salary. Change any value to match your practice.

% of collections / month at %
Per claim ($4–$8) / month at $6 per claim
In-house billing / month ( )
Outsourcing could save about per month ( a year) compared with billing in-house.
At your volume, in-house and outsourced costs are close. Outsourcing still adds denial follow-up, coverage and reporting without hiring risk.

Companies that fit your practice

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Estimated monthly price uses each company's published rate, or the typical rate for your specialty when they don't publish one.

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How medical billing pricing works

Billing companies use three main pricing models. Percentage of collections is the most common: the company keeps a share (typically 4–8%) of what it actually collects for you, so it only earns when you get paid. Per-claim pricing charges a flat fee for every claim submitted, usually $4–$8, which can be cheaper for practices with high-value claims. A few companies offer a flat monthly fee or hourly support for smaller scopes such as credentialing or AR clean-up.

What makes billing more expensive

  • Low claim values (therapy, chiropractic, mental health) mean more work per dollar collected.
  • High denial rates or old AR that needs clean-up before onboarding.
  • Extra services such as credentialing, prior authorizations, coding audits and patient call centers.
  • Small volume: many companies set a monthly minimum, often $300–$1,000.

Frequently asked questions

How much do medical billing companies charge?

Most US medical billing companies charge 4% to 8% of monthly collections. High-volume, low-reimbursement specialties such as mental health, physical therapy and chiropractic usually pay 6% to 9%, while high-value specialties such as cardiology, orthopedics and oncology often pay 3% to 6%.

Is per-claim pricing cheaper than a percentage of collections?

Per-claim pricing (usually $4 to $8 per claim) is often cheaper for practices with high-value claims, but the company earns the same whether the claim is paid or not. A percentage model ties the biller's income to your collections, which motivates follow-up on denials.

Is outsourcing cheaper than in-house billing?

For most practices under 10 providers, yes. An in-house biller costs salary plus benefits, software, clearinghouse fees, training and coverage for vacation, which often adds up to 8% to 12% of collections. Outsourcing typically costs 4% to 8% and includes the software and a full team.

What is included in the price?

Usually claim creation and submission, payment posting, denial management, AR follow-up and patient statements. Credentialing, prior authorization and coding audits are often charged separately, so ask every company what is included.

Estimates are based on typical US market rates and are for planning only. Request quotes for exact pricing.