Healthcare & Medical Debt, CFPB · No Surprises Act · FDCPA

Recovery Intelligence
Healthcare Debt Collection & Compliance.

NeuAnalytics healthcare debt collection and compliance platform gives hospitals, health systems, and RCM companies a compliant path to medical debt recovery, with 501(r) financial assistance policy sequencing, CFPB rule adherence, No Surprises Act billing workflows, and patient-sensitive contact strategies built in from the ground up.

$140B+
Medical debt placed for collection annually
41M
Americans with medical debt in collections
6+
Federal compliance frameworks governing patient billing
60–80%
Insured cost-share resolution with workflow automation
The Recovery Challenge

What's Compressing Medical Debt Recovery

Healthcare organizations face a uniquely complex recovery environment, new CFPB medical debt rules, No Surprises Act dispute complexity, and brand risk from patient contact missteps that no other industry faces.

CFPB Medical Debt Rules Are Reshaping Collection

The CFPB's medical debt rule restricts reporting timelines and tightens collection constraints. Health systems and RCM partners that rely on credit reporting as a collection lever must adapt their recovery strategies now, or face regulatory exposure as enforcement ramps up.

No Surprises Act Creates New Dispute Complexity

NSA billing protections have introduced a distinct category of consumer disputes with their own timelines and documentation requirements, layered on top of FDCPA and Reg F obligations that RCM teams already manage. Without separate workflows, the two tracks collide.

Patient Contact Requires Brand-Level Sensitivity

Collections in healthcare carries reputational risk that doesn't exist in other verticals. A poorly timed contact during active treatment, or a communication that surfaces financial distress to a patient, can damage relationships that extend far beyond a single receivable.

The NeuAnalytics Recovery Platform

One Platform. Every Stage of Medical Debt Recovery.

From self-pay accounts to RCM-placed receivables, NeuAnalytics unifies the three capabilities that determine recovery outcomes for healthcare organizations, with patient sensitivity and regulatory compliance built into every step.

Portfolio Intelligence

Intelligent account scoring and segmentation across self-pay, charity-care-eligible, and fully collectible receivables. Prioritize recovery effort where it's recoverable, and route patient-sensitive accounts through appropriate pathways automatically.

  • Charity care eligibility scoring
  • Patient sensitivity and hardship flagging
  • CFPB rule status tracking by account
  • Contact timing optimization for healthcare

Workflow Automation

Rule-based routing that separates NSA billing disputes from standard collections, enforces FDCPA and Reg F contact windows, and escalates regulatory events automatically, so your RCM team spends time resolving accounts, not managing process.

  • NSA billing dispute workflows
  • FDCPA & Reg F contact enforcement
  • Charity care pathway routing
  • CFPB complaint intake and routing

Vendor & Agency Management

Real-time oversight of every collection agency and RCM vendor in your network, with performance scorecards, placement controls, and audit documentation designed for healthcare compliance environments and accreditation reviews.

  • Healthcare specialty agency scorecards
  • NSA & FDCPA compliance monitoring
  • Placement, recall & reassignment management
  • Audit-ready documentation for surveys
Compliance Built In

Recovery Without Patient or Regulatory Risk.

Healthcare compliance isn't just FDCPA, it's CFPB medical debt rule adherence, No Surprises Act protections, and a patient experience that doesn't damage your brand. NeuAnalytics enforces all of it continuously, not reactively.

CFPB FDCPA Reg F No Surprises Act FCRA HIPAA State Laws

CFPB medical debt rule compliance tracked per account. Collection timeline restrictions and reporting thresholds are monitored at the account level, flagging accounts approaching rule boundaries before any action is taken.

NSA billing dispute workflows with separate clock tracking. No Surprises Act disputes carry their own documentation and response requirements. NeuAnalytics manages these workflows separately from standard disputes, with dedicated timelines and evidence trails.

FDCPA and Reg F contact restrictions audited automatically. Contact frequency, channel, and timing limits are audited daily, protecting patients from inappropriate contact and your organization from FDCPA liability.

Patient sensitivity flags prevent collection contact during active care. High-sensitivity accounts, active treatment, hardship, or charity care eligible, are automatically held from standard collection workflows and routed to appropriate pathways.

FinOps & Case Management

Billing Disputes. Fraud. Patient Complaints. One Place.

Complex cases are part of every healthcare organization's servicing reality. NeuAnalytics handles medical billing disputes, fraud investigations, and patient complaints through the same platform as recovery, no second tool required.

Disputes

Medical Billing & NSA Dispute Management

Dedicated workflows for No Surprises Act billing disputes and standard medical billing disputes, with separate clock tracking, documentation management, and track and download audit-ready dispute responses.

FinOps & Case Management →
Fraud

Fraud Cases That Strengthen Your Defenses

Most fraud platforms stop at case resolution. NeuAnalytics keeps going, turning every confirmed investigation, medical billing fraud, insurance fraud, first-party identity fraud, into pattern intelligence, identity correlations, and blacklist intelligence that strengthens your front-line fraud monitoring defenses across your patient population.

Explore Fraud Case Management →
Complaints

Patient Complaint Resolution

CFPB complaint intake, patient liaison routing, investigation workflows, and regulatory response tracking, all managed in one place. Close complaint loops before your complaint ratio surfaces in a CMS audit or CFPB supervisory review.

FinOps & Case Management →
Why NeuAnalytics

Built for the Complexity of Healthcare Receivables

Medical debt recovery is more operationally complex and reputationally sensitive than any other vertical. NeuAnalytics was built with that complexity in mind.

Built with HIPAA Compliance in Mind

Medical debt servicing means handling HIPAA-covered information, and NeuAnalytics is designed for that reality, with access controls, minimum-necessary data handling, continuous audit logging, and private dedicated infrastructure that meets the standards healthcare compliance environments require.

Back Into Your Tech Stack

NeuAnalytics backs into your existing technology stack, streamlining your implementation and reducing demands on your teams. Pre-existing integrations exist with over a dozen host systems.

Embedded Partnership, Not Just Software

NeuAnalytics teams embed in your operations, daily standups, weekly reviews, quarterly strategy. The platform continuously improves with your healthcare portfolio because we're in it with you, not watching from the outside.

See What NeuAnalytics Does for Your Healthcare Team

Talk to a specialist who works with health systems and RCM companies every day. No generic demos, a conversation built around your patient receivables portfolio and your specific recovery challenges.