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SwiftPay— Preventing Premature Write-Offs in EMS Billing

Not every “self-pay” balance should be written off.

SwiftPay is RVNU EMS’s write-off prevention program, designed to operate alongside billing from day one once a balance is classified as patient responsibility.

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Many EMS balances are written off not because they are truly uncollectible, but because information is missing, follow-up stalls, or billing workflows run out of time. SwiftPay exists to challenge that assumption early, before balances are written off or escalated to collections.

The Problem SwiftPay Solves

In most EMS revenue cycles, the moment a claim moves into the patient bucket, it is treated as final.

In reality, patient balances often exist because:

  • Insurance information is incomplete or incorrect

  • Coverage exists but was never identified

  • Demographic data is missing

  • Follow-up is deprioritized due to staffing or volume

  • Accounts age out and default to write-off

Once a balance is written off or sent to collections, recovery becomes harder, more expensive, and more disruptive.

SwiftPay intervenes before that happens.

What SwiftPay Does

SwiftPay is not billing and not collections.
It is a write-off prevention layer focused on determining whether a balance truly belongs in bad debt.

SwiftPay activates immediately once a balance is classified as patient responsibility and works in parallel with billing to resolve accounts early.

SwiftPay combines:

  • Outbound patient communication
    Structured voice calls, text messages, email, and voicemail outreach to clarify responsibility and resolve balances

  • Insurance discovery and verification
    Identifying missing or incorrect insurance information using data tools and available data sources

  • Resolution of missing payer or demographic information
    Addressing data gaps through appropriate follow-up workflows, where feasible

  • Early-out balance resolution
    Resolving patient responsibility before accounts are written off or escalated to collections

  • Seamless operational integration
    Agencies retain their lockbox, merchant accounts, and existing billing workflows

SwiftPay focuses on classification and resolution, not pressure.

What SwiftPay Is — and Is Not

To avoid confusion:

SwiftPay is:

  • A write-off prevention and early-out recovery program

  • Designed to operate alongside billing from day one

  • Focused on resolving balances before they become bad debt

  • Built specifically for EMS revenue workflows

SwiftPay is not:

  • A collections agency

  • A debt buyer

  • A billing replacement

  • A patient financing or payment product

SwiftPay operates before collections, not after.

How SwiftPay Fits Within RVNU EMS

SwiftPay is a standalone program within RVNU’s broader revenue cycle support, designed to address a specific failure point.

  • Billing & Revenue Cycle
    Handles claim submission, standard follow-up, and appeals

  • SwiftPay
    Prevents premature write-offs by resolving balances early

  • Found Money
    Recovers insurance underpayments after billing and appeals are exhausted

  • Claims At Risk
    A separate program addressing a different point in the claim lifecycle

Each program solves a distinct problem and can be deployed independently or together.

Who SwiftPay Is Typically a Fit For

SwiftPay is most often a fit for:

  • Private EMS agencies experiencing recurring patient bad-debt write-offs

  • Organizations where balances move to “self-pay” quickly and stay unresolved

  • Agencies spending staff time on missing insurance or unclear responsibility

  • Leadership teams seeking to reduce write-offs without escalating to collections

If you’re unsure whether SwiftPay is appropriate, we can determine that quickly.

What to Expect

Agencies exploring SwiftPay can expect:

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  1. A conversation to understand how balances move to write-off today

  2. Review of common write-off drivers and data gaps

  3. A clear recommendation on whether SwiftPay makes sense

  4. Fast activation with minimal operational disruption

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If SwiftPay is not the right tool, we’ll say so.

Next Steps

If your agency is writing off balances that may still be recoverable, SwiftPay can help address the gap between billing and collections.

Or explore Billing & Revenue Cycle support →

SwiftPay is designed to challenge whether a balance should be written off — from the moment it enters the patient bucket.

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