SERVICES

Bad Debt Recovery Services

Bad Debt

The Annuity Advantage

At Annuity Health, we understand that managing healthcare debt requires more than persistence—it demands empathy and adaptability. We listen actively to patients to understand their circumstances, guiding them towards manageable resolutions while aiming for complete debt recovery.

WHY PROVIDERS CHOOSE ANNUITY

✔ Real-Time Monitoring
✔ Dynamic Scoring & Analytics
✔ Lower Complaint Rates
✔ Higher Patient Satisfaction
✔ Swift Implementation
✔ Investing in Our Team

Annuity integrates strategy, technology, and people to maximize net cash collections and maintain best-of-practice accounts receivable levels for aged insurance accounts.
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CHALLENGE: Recovering bad debt today means balancing compliance, performance, and patient dignity.

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OBSTACLES: Limited staff bandwidth, outdated engagement tools, and rising patient expectations make it harder to collect.

THE SOLUTION: Annuity blends advanced automation, predictive analytics, and human connection to drive high recovery rates with low complaint volume.

Annuity Health has successfully partnered with hospitals and healthcare providers, ensuring superior patient experiences while maximizing recoveries and account resolution. The perfect blend of technology and compassionate representatives reduce abandonment rates, shorten response times, and improve patient satisfaction.

✔ LIVE AGENT SUPPORT + AUTOMATION

Respectful outreach paired with real-time productivity tools

✔ OMNI-CHANNEL COMMUNICATION

Voice, text, email, mobile app, and digital payment portals

✔REAL-TIME MONITORING

Every call tracked, scored, and analyzed for compliance and improvement

✔ VOICE-TO-TEXT AUTOMATION

Accurate, auditable call documentation

✔ PREDICTIVE ANALYTICS & SCORING

Prioritize accounts by collectability and balance

✔ FULLY ONSHORE + EXPERT TRAINED STAFF

Low turnover, high empathy, and industry-best results

✔ 30-DAY GO-LIVE

Proven processes for fast, secure implementation

✔ REGULATORY COMPLIANCE FIRST

FDCPA, TCPA, CFPB, HIPAA, SOC 2 Type 2, ISO 27002

Annuity integrates strategy, technology, and people to maximize net cash collections and maintain best-of-practice accounts receivable levels for aged insurance accounts.

Experienced Staff

Fully onshore. Fully experienced.

Our seasoned onshore team, with executives boasting 20+ years and representatives averaging 5+ years in debt recovery, ensures professional and effective resolutions.

Patient Delight™ with Annuity One

A PHILOSOPHY OF RESPECTFUL RECOVERY

In an industry focused on dollars and data, we never forget the human behind the balance. Patient Delight™ is our promise to treat every patient with dignity—turning collections into conversations, and outcomes into opportunities for trust.

More than a program, it’s a mindset that influences:

  • How we train our teams to listen first and act with empathy
  • How we measure success, including patient satisfaction—not just recovery rates
  • How we blend tech with humanity, ensuring automation never replaces compassion

Because when patients feel heard, respected, and empowered—they’re far more
likely to resolve balances and return for future care.

✔ Patient-Centric Technology

Annuity One powers our suite of patient convenience tools, enhancing interactions via our patient portal and mobile app, which include payment options and account management.

✔ Advanced Communication Tools

AI-enhanced Voice-to-Text for documentation, coupled with comprehensive call quality monitoring using speech analytics.

✔ Engagement Tools

Provision of clear, patient-friendly billing statements, easy auto-pay setup, and regular satisfaction surveys to continually improve service delivery.

✔ Speech and Emotion Analytics

Utilizing cutting-edge technology to analyze and respond to patient emotions and speech patterns in real time, elevating every interaction for quality assurance.

✔ Omni-channel Integration

A fluid patient experience across all communication platforms, from social media to video calls, ensuring convenience and consistency.

AI Automated Notes

Integrated technology within Annuity One that allows agents to focus on the conversation and respond to customers' needs. AI-automated notes save agent time - in and out of calls - and reveal patterns you can use to increase customer satisfaction and accelerate your business.

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More Calls Handled

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Standardized Notes

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Reduction in After-Call Work

Call Analysis and Monitoring

Annuity One’s integrated technology analyzes complete conversations—across phone, email, text and chat - automating compliance, QA processes and measuring patient satisfaction in a fraction of the time with human-level accuracy.

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Improvement in QA Cost Efficiency

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Monitoring and Coverage

Reviews Completed Faster

Texting and Bot Automation

SMS and MMS

  • Drive promises kept with two-way conversational messaging. Open a dialog to help your customers avoid missed payments.
  • Rely on our personalized, customized templates to generate results. We work with you to create compliant text messages that resonate with your customers, ensure consistency and give agents control over the collection conversation.
  • Improve operational efficiencies by enabling self-service payments, a frictionless way for your customers to pay from directly through the messaging channel.

Voice AI Technology

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In English and Spanish

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Inbound and Outbound Voice AI

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Email and Chat Assistants

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Enhance Customer Experience

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Payment Automation

Payment plan negotiation, settlements, enable payments via SMS or on-call