---
title: Using Propensity to Pay Metrics to Determine Who Needs Health Care Loans
description: Using Propensity to Pay Metrics to Determine Who Needs Health Care Loans. Learn More At Epic River!
image: https://blog.epicriver.com/hubfs/Stock%20images/Medicine%20doctor%20hand%20working%20with%20modern%20computer%20interface%20as%20medical%20concept.jpeg
---
[](http://www.epicriver.com/home)
- [Home](https://www.epicriver.com/)
- [About](https://www.epicriver.com/about)
- [Our Solution](https://www.epicriver.com/)
- [News](https://epicriver.com/#)
- [Contact](https://www.epicriver.com/)
- [Support](https://knowledge.epicriver.com/knowledge/kb-tickets/new)
- [Knowledgebase](https://knowledge.epicriver.com/knowledge)
# Using Propensity to Pay Metrics to Determine Who Needs Health Care Loans
Posted by [Jessica Toney](https://blog.epicriver.com/author/jessica-toney) | Jun 28, 2019, 2:38:23 PM
- [Tweet](https://twitter.com/share)
Want to improve your annual collections by up to [$2 million](https://www.healthcatalyst.com/success_stories/predicting-propensity-to-pay-allina-health)? It’s time your practice started using propensity to pay analytics.
Practices use propensity to pay metrics to improve collections efforts, reduce bad debt, and remove the need for endless follow-ups. But payer and patient data also help practices determine which patients may need health care loans.
If your practice is considering propensity to pay analytics, here are some tips for using it in tandem with a [patient lending program](https://www.epicriver.com/patient-lending/).
**Tips for Measuring Propensity to Pay**
Propensity to pay data helps providers determine the likelihood of a patient bill turning into bad debt. Usually, this means the patient’s ability to pay is examined in addition to the payer’s reimbursement track record. Here are a few tips for using data to analyze patients and insurers.
For patients, make sure you [use information from multiple sources](https://www.healthcarebusinessinsights.com/blog/revenue-cycle/propensity-pay-scoring-dos-donts-successful-approach/). For instance, tax returns, pay stubs, bank statements, and credit scores are all useful for determining a patient’s ability to cover out-of-pocket costs.
To determine the likelihood of reimbursement from insurers, look to the payer’s past behavior with similar claims. For example, insurance policies often don’t cover more complex or costly medical conditions.
**Using Propensity to Pay to Decide who Needs Health Care Loans**
Software systems that utilize the power of Machine Learning can compile a wealth of data to analyze propensity to pay. This data is then used to rank patients in high, medium, and low propensity segments.
Patients within the high segment have the ability to pay and insurance policies that reliably reimburse you for your services. Medium segments include patients who may have a history of bad debt but are capable of paying with follow-up.
The low segment includes patients who almost never pay and almost always end up delinquent. Following up with low segment patients is generally useless since they don’t have the means to pay and are often uninsured.
Propensity to pay can help you determine which accounts will turn into bad debt. But this data can’t help you collect those debts. That’s where health care loans come in.
Epic River’s patient lending program was created to assist patients who need to pay their medical bills over time. All patients are approved regardless of credit and you’re reimbursed up front and in full for your hard work. [Get in touch](https://www.epicriver.com/contact-us/) with us today to find out how to start collecting bad debt faster with patient loans.
Topics: [Health Care Loans](https://blog.epicriver.com/topic/health-care-loans)
#### Written by [Jessica Toney](https://blog.epicriver.com/author/jessica-toney)
## Leave a Comment
### Recent Posts
### Topics
- [Bankadelic (2)](https://blog.epicriver.com/tag/bankadelic)
- [banking opportunities (6)](https://blog.epicriver.com/tag/banking-opportunities)
- [Blog (5)](https://blog.epicriver.com/tag/blog)
- [CRA ratings (1)](https://blog.epicriver.com/tag/cra-ratings)
- [Credit Unions (5)](https://blog.epicriver.com/tag/credit-unions)
- [DAR (1)](https://blog.epicriver.com/tag/dar)
- [esignature services (1)](https://blog.epicriver.com/tag/esignature-services)
- [Financial Education (2)](https://blog.epicriver.com/tag/financial-education)
- [financial institutions (10)](https://blog.epicriver.com/tag/financial-institutions)
- [Health Care Loans (19)](https://blog.epicriver.com/tag/health-care-loans)
- [health credit services (6)](https://blog.epicriver.com/tag/health-credit-services)
- [health credit services online (11)](https://blog.epicriver.com/tag/health-credit-services-online)
- [healthcare administration (4)](https://blog.epicriver.com/tag/healthcare-administration)
- [healthcare administrative costs (1)](https://blog.epicriver.com/tag/healthcare-administrative-costs)
- [healthcare billing (2)](https://blog.epicriver.com/tag/healthcare-billing)
- [healthcare billing solutions (3)](https://blog.epicriver.com/tag/healthcare-billing-solutions)
- [healthcare costs (1)](https://blog.epicriver.com/tag/healthcare-costs)
- [healthcare finance (6)](https://blog.epicriver.com/tag/healthcare-finance)
- [Healthcare Finance Online (13)](https://blog.epicriver.com/tag/healthcare-finance-online)
- [healthcare financing (2)](https://blog.epicriver.com/tag/healthcare-financing)
- [healthcare lending (3)](https://blog.epicriver.com/tag/healthcare-lending)
- [healthcare loans (4)](https://blog.epicriver.com/tag/healthcare-loans)
- [hospital financing (3)](https://blog.epicriver.com/tag/hospital-financing)
- [Lending as a Service (7)](https://blog.epicriver.com/tag/lending-as-a-service)
- [low-interest medical loans (2)](https://blog.epicriver.com/tag/low-interest-medical-loans)
- [medical bill financing (2)](https://blog.epicriver.com/tag/medical-bill-financing)
- [medical billing (7)](https://blog.epicriver.com/tag/medical-billing)
- [medical billing solutions (7)](https://blog.epicriver.com/tag/medical-billing-solutions)
- [medical debt (4)](https://blog.epicriver.com/tag/medical-debt)
- [medical finance (2)](https://blog.epicriver.com/tag/medical-finance)
- [Medical Lending (24)](https://blog.epicriver.com/tag/medical-lending)
- [Medical Loan Financing (18)](https://blog.epicriver.com/tag/medical-loan-financing)
- [medical loans (7)](https://blog.epicriver.com/tag/medical-loans)
- [News (78)](https://blog.epicriver.com/tag/news)
- [patient billing solutions (1)](https://blog.epicriver.com/tag/patient-billing-solutions)
- [patient financial services (5)](https://blog.epicriver.com/tag/patient-financial-services)
- [Patient Financing (26)](https://blog.epicriver.com/tag/patient-financing)
- [patient lending (19)](https://blog.epicriver.com/tag/patient-lending)
- [patient loans (3)](https://blog.epicriver.com/tag/patient-loans)
- [patient responsibility (3)](https://blog.epicriver.com/tag/patient-responsibility)
- [patient satisfaction (1)](https://blog.epicriver.com/tag/patient-satisfaction)
- [Podcast Feature (3)](https://blog.epicriver.com/tag/podcast-feature)
- [price transparency (1)](https://blog.epicriver.com/tag/price-transparency)
- [reduce DAR (2)](https://blog.epicriver.com/tag/reduce-dar)
- [revenue cycle management for physicians (2)](https://blog.epicriver.com/tag/revenue-cycle-management-for-physicians)
- [Team (1)](https://blog.epicriver.com/tag/team)
see all
### Subscribe
#### About Us
Our commitment to utilize the lowest cost of capital and remove all unnecessary overhead from the loan process enables us to help everyone make the best possible financial decision when borrowing money.
#### Latest Blog Posts
#### Contact Us
242 Linden Street
Fort Collins, CO 80524
Phone: (970) 292-5045
Email: info@epicriver.com
© 2020 Epic River
-
-
-