Agentic AI for patient financing. Turn billing into a patient-centered experience.
ArceeHQ’s agentic AI platform meets patients where they are financially, delivers personalized payment options in the channel they prefer, and moves your self-pay portfolio from anxious to enrolled.
Most patients who need help paying never ask for it.
The financial conversation is the hardest part of healthcare. Patients disengage before they ask for options. Manual workflows reach a fraction of self-pay accounts. ArceeHQ makes the right offer to every patient, automatically.
Two specialized agents focused on patient financing. Backed by the full ArceeHQ orchestrator.
The Financing Counselor and Patient Liaison work continuously across your self-pay portfolio, while the orchestrator routes complex conversations to your team and the Insights Synthesizer turns every interaction into portfolio-level visibility.
Empathetic
Reads patient context before making any offer. Financial conversations are calibrated to where the patient is, not where your billing calendar says they should be.
Personalized
No generic payment links. Every patient gets an offer that fits their balance, income signals, and preferred channel, with enrollment friction removed.
Controllable
Your team configures the offer parameters, compliance guardrails, and escalation triggers. Every interaction is logged and auditable.
Built for the messy reality of patient financial conversations.
From personalized payment plans to compliance-aware multi-channel outreach, ArceeHQ handles the full patient financing workflow with dignity-first intelligence.
Personalized payment plan generation
Every patient gets a plan sized to their balance and financial signals. Flat-rate, income-based, or interest-free options, generated automatically and presented clearly.
- Balance-matched plan options
- Income-based affordability tiers
- Plain-language offer presentation
Multi-channel digital outreach
Patients receive financing offers in the channel they’re most likely to respond to. Text, email, patient portal, and in-app, all without login friction.
- Text-first, frictionless enrollment
- Email with embedded payment link
- Portal integration
Eligibility-first routing
Before any financing offer is made, ArceeHQ checks whether the patient qualifies for charity care or government assistance. The right option comes first, every time.
- Pre-offer eligibility screening
- Assistance-to-financing hand-off
- No duplicate offers or confusion
Compliance-aware communications
Every patient communication is generated within your configured compliance guardrails. FDCPA, state-specific rules, and your organization’s language standards, all enforced automatically.
- FDCPA-compliant messaging
- State-specific rule enforcement
- Full communication audit trail
Proactive plan re-engagement
When a payment is missed or a plan falls behind, the system proactively re-engages the patient with options before the account escalates, preserving the relationship and the balance.
- Missed-payment early detection
- Automated re-engagement outreach
- Plan modification workflows
Real-time portfolio analytics
Live visibility into your self-pay portfolio: plan enrollment rates, channel performance, balance aging, and projected collections, organized for executive and board reporting.
- Portfolio aging by risk tier
- Channel conversion analytics
- Collections forecast
From balance to enrolled plan, at every step.
Five moments where ArceeHQ moves a patient from anxious to in-control.
Plug into your existing systems.
ArceeHQ connects to your EHR, patient billing, and clearinghouse systems with no IT roadmap dependency. Read-only access, audit-logged at every layer. No engineering project on your team’s plate.
- Live within days of contract signing
- Works alongside existing billing workflows
AI assesses every patient before making an offer.
The Financing Counselor reads balance, payer mix, eligibility signals, and financial context to determine whether a patient needs a payment plan, assistance screening, or a combination of both. The right path, identified automatically.
- Eligibility pre-check before financing offer
- Financial context scoring
- Channel preference identification
Personalized financing options delivered in the right channel.
Every patient receives a tailored offer, not a generic payment link. The message is plain-language, dignity-first, and delivered through the channel most likely to get a response. No friction, no shame, no jargon.
- Personalized offer per patient
- Text, email, and portal delivery
- Frictionless one-click enrollment path
Patient accepts. Plan activates. Staff not required.
Enrollment happens in the patient’s preferred channel without a phone call to your billing department. The Patient Liaison agent handles questions, modifications, and confirmation, escalating to staff only when genuinely needed.
- Self-service enrollment in minutes
- AI handles patient questions
- Staff escalation only when necessary
Plan performance visible. Slipping plans caught early.
The Insights Synthesizer tracks every enrolled plan in real time. When a payment is missed or a balance starts aging, the system re-engages the patient proactively, preserving both the relationship and the expected collection.
- Real-time plan performance tracking
- Proactive re-engagement for at-risk plans
- Portfolio-level collections forecast
Collections move when patients feel in control.
What measurable improvement looks like in practice. The specific lift you see depends on your patient mix, service lines, and baseline self-pay performance.
Improvement trajectory is illustrative. Your results depend on patient mix, balance distribution, and baseline enrollment performance. We’ll model your specific scenario in a demo.
Plug and play. Launch in days, not quarters.
ArceeHQ connects to your existing EHR, clearinghouse, and billing systems with no IT roadmap dependency and no engineering project on your team’s plate.
Your data stays in your environment. ArceeHQ is read-only by default and audit-logged at every layer.
Resources for revenue cycle leaders.
The Patient Financing Executive Guide
Strategies for moving patients from anxious to in-control, a framework for evaluating patient financing technology, and board-ready talking points.
Read the guidePatient Financing ROI Calculator
Estimate payment plan enrollment lift, bad debt reduction, and cash flow improvement from agentic AI-driven patient financing.
Calculate your ROI
From Denials to Patient Financing: The Path to a Touchless Revenue Cycle
RCM Leadership Lessons: Denials Prevention and the Patient Financial Experience
AI in Revenue Cycle Management and Equitable Patient Access
Let’s redefine financial engagement together.
See how ArceeHQ can supercharge your revenue cycle. We’ll walk through the platform, discuss your specific systems and goals, and show measurable lift you can expect in the first 90 days.