Medical Debt Collection in Ohio

MSBureau offers specialized, compliant medical debt collection solutions for healthcare providers across Ohio. We help clinics and hospitals maximize revenue while upholding ethical patient engagement.

Medical Debt Collection Expert

Medical Debt Recovery Experts in Ohio

Partner with Midwest Service Bureau (MSB) to deploy an Ohio medical debt collection workflow that converts receivables to revenue, without risking Attorney General penalties or harming patient trust. With 55 years of healthcare expertise and real-time analytics in our Expert Analysis portal, we keep your cash flow and reputation healthy.

Our collection teams integrate seamlessly with Epic, Cerner, Meditech, NextGen, eClinicalWorks, and Athenahealth. Our Expert Analysis dashboards deliver real-time KPIs at every stage, ensuring Ohio medical debt collection is transparent, measurable, and fully compliant from first account scrub to final payment.

Our Proven Medical Debt Collection Process — Ohio

Phase 1: Account Review & Validation

We import receivables from:

Each account is scrubbed for:

Bankruptcy, deceased, or payer-denial flags
Charity-care eligibility under HCAP and HCAHPS
Statute-of-limitations compliance (six years for written, four for oral agreements; partial payments reset the clock)
Out-of-network balances pending arbitration under HB 388

Phase 2: Patient Contact & Communication

First notices are mailed within 24 hours, with bilingual charity-care summaries.
Outreach via voice, SMS, email, and secure portals follows Ohio’s 8 a.m.–9 p.m. window and CSPA-compliant scripts.
Patients self-serve via the Early-Out Patient Collections portal, setting up zero-interest plans in minutes.

Phase 3: Resolution & Payment Processing

Negotiated settlements, HSA draws, and structured payment plans post instantly to your PMS.
Real-time dashboards provide finance and compliance teams visibility.
All receipts satisfy CSPA disclosure rules, ensuring fully compliant Ohio medical debt collection.

Turning Debt Challenges into Recovery Opportunities

Types of Medical Debt We Collect

Hospital & Health-System Debt

Physician-Practice Collections

Specialty-Healthcare Debt

Why Choose Us for Medical Debt Collection in Ohio

Improved Cash Flow
Clients cut AR days by 30% on average, freeing capital for staffing and technology.
Compliance Assurance
HIPAA encryption, Ohio-licensed agents, and HCAP workflows protect against Attorney General scrutiny and negative press.
Patient Relationship Preservation
Empathy-first scripting, transparent billing, and flexible payment options maintain high Net Promoter Scores.

Compliance, Security & Professional Standards

State-Specific Regulations

Statute of Limitations: Six years for written contracts (ORC § 2305.06) and four years for oral agreements (ORC § 2305.07). Partial payments or acknowledgments restart the clock.
Hospital Care Assurance Program (HCAP, ORC § 5112.17): Non-profit hospitals must screen patients ≤ 100% FPL for free care and wait at least 120 days before extraordinary collection actions.
Surprise-Billing Protections (HB 388, 2021): Out-of-network balances under dispute cannot proceed to collections until insurer-provider arbitration resolves the issue.

HIPAA & Breach-Notification

All PHI is encrypted in transit and at rest (AES-256).
Role-based access and immutable audit logs track all actions.
45-day breach-notice window is mirrored in every Business Associate Agreement.
Immutable logs live in our HIPAA + FDCPA dashboard.

Collection-Agency Licensing & CSPA

Agencies must hold an Ohio state license (ORC § 1321.35 et seq.) and post a $10,000 surety bond.
The Consumer Sales Practices Act (ORC § 1345) bans “unfair, deceptive, or unconscionable” conduct.
MSB renews licenses and bonds annually, and all collectors complete yearly CSPA compliance refreshers.

Credit-Reporting Note: Ohio has not banned medical tradelines; MSB suppresses reporting on request and monitors the CFPB’s proposed 2025 nationwide prohibition.

Our Track Record

Average recovery rate

0 %

Day Average

Accounts

Resolution

0 %

Our Track Record

93%

Average recovery rate

34

Day Average

4,812

Accounts

93%

Resolution

What Our Client Say

Discover the experiences of our satisfied clients. Hear firsthand Midwest Service Bureau Reviews on how MSB has delivered reliable, results-driven solutions that make a real difference.

Midwest Service Bureau is a company that truly looks out for the greater good of their client. They want to see their clients thrive, even if that means they do not make a profit. Any time I have ever had a question I call Midwest and they have the answer. Any time I have needed advice they have been there for me and have guided me through the process. Their customer service is outstanding and their work ethic is even better! I couldn’t imagine a time when I wouldn’t need them.

The team at Midwest Service Bureau has earned our trust for over 10 years based on their service, results, performance, and rates and that’s why they will continue to receive all our collection business. They deliver excellent customer service with quick responses, unlimited willingness to lend their assistance, ethical work values, and even training seminars that provide us with other processes and tools to reduce our collections activity. On top of that, I enjoy the relationships I have made with the people of MSB over the years. I have no reservation in recommending Midwest Service Bureau to others.

We have been doing business with Midwest Service Bureau for a while now. They have an extremely high recovery rate. They are always right on top of things, and get the job done. We have other credit services calling us but, we always tell them that we are happy with who we are using. We would highly recommend them to anyone.

Our office has had a great experience with Midwest Service Bureau. The staff is very helpful and knowledgeable, always available to answer questions. Our representative comes into our office once a month to check in and see how things are going for us. If we have any questions or issues they take the time to get them resolved. Midwest also offers training for the staff. We did take advantage of this opportunity and it was very helpful to the staff members that had no previous experience with collections. Through the training, the front office staff learned what information they should be gathering and the importance of it. I would highly recommend Midwest Service Bureau if you are looking for a collection agency.

I have been employed with Sunflower Bank for over 20 years as the collection manager, and during that time have dealt with Midwest Service Bureau, LLC regarding collection accounts to include credit cards, loans, and deposit accounts. I have also dealt with them prior to coming to Sunflower Bank when I worked for GMAC out of Wichita, KS for roughly ten years. Micki Kell who is the President of this organization and her staff have provided wonderful customer service the entire time. A representative from the organization always contacted us in person once a month, and the face-to-face contact was always greatly appreciated. Their staff was always available to answer any questions or address any concerns we had. Their software program was very user friendly and make it an easy way to communicate regarding accounts. I would definitely recommend this organization if you are looking for a company to handle your collection accounts.

Frequently Asked Questions

What is the statute of limitations for medical debt in Ohio?

Six years for written contracts and four years for oral agreements. Partial payments or new written promises reset the applicable limitation period.

Can medical debt affect my credit score in Ohio?

Medical tradelines may still appear on credit reports. MSB can suppress reporting upon request and monitors the proposed CFPB 2025 nationwide ban.

How does medical debt collection differ from other debt types?

Ohio medical debt collection must comply with HIPAA, state licensing, CSPA, surprise-billing arbitration holds, HCAP charity-care, and statute-of-limitations rules, making it more complex than standard consumer debt.

What should I do if I receive a medical debt collection notice?

Review the itemized bill, compare it with your Explanation of Benefits, and contact MSB within 30 days to dispute or arrange a payment plan.

Related Services

Contact Our Debt Collection Team

Ready to improve your healthcare organization’s revenue cycle? Contact our specialists today.

Phone: 316-263-1051
Address: 625 W. Maple St., Wichita, KS 67213

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Ohio medical debt collection requires sharp revenue-cycle skills, ironclad compliance, and genuine empathy for patients. The Buckeye State enforces a six-year statute of limitations on written accounts, licenses every collection agency, and polices unfair practices under the Consumer Sales Practices Act (CSPA). Add rising self-pay balances and surprise-billing disputes, and providers can’t afford a misstep. Partner with Midwest Service Bureau (MSB) to deploy an Ohio medical debt collection workflow that converts receivables to revenue, without risking Attorney General penalties or harming patient trust. With 55 years of healthcare expertise and real-time analytics in our Expert Analysis portal, we keep your cash flow and reputation healthy.

Ohio Medical Debt Collection Laws

State-Specific Regulations

Statute of limitations: Six years on written contracts (Ohio Rev. Code § 2305.06) and four years on oral agreements (§ 2305.07). A partial payment or signed acknowledgment restarts the clock.
Hospital Care Assurance Program (HCAP, ORC § 5112.17): Non-profit hospitals must screen patients ≤ 100 % FPL for free care and wait at least 120 days before extraordinary Ohio medical debt collection actions.
Surprise-billing protections (HB 388, 2021): Out-of-network balances contested under the law cannot proceed to Ohio medical debt collection until insurer-provider arbitration is resolved.

HIPAA & Breach-Notification

MSB encrypts all PHI at rest and in transit, applies role-based access, and mirrors Ohio’s 45-day breach-notice window in every Business Associate Agreement. Immutable logs live in our HIPAA + FDCPA dashboard.

Collection-Agency Licensing & CSPA

Ohio’s Collection Agency Act (ORC § 1321.35 et seq.) requires agencies to hold a state license and a $10,000 bond. The Consumer Sales Practices Act (ORC § 1345) bans “unfair, deceptive, or unconscionable” conduct and applies to healthcare receivables. MSB’s collectors renew their Ohio licenses annually, maintain the required bond, and complete yearly CSPA compliance refreshers, so every Ohio medical debt collection call is courteous and lawful.

Credit-reporting note: Ohio has not banned medical tradelines; MSB suppresses reporting on request and is monitoring the CFPB’s proposed 2025 nationwide prohibition.

Our Ohio Medical Debt Collection Process

Phase 1 – Account Review & Validation

We import receivables from Epic, Cerner, or Meditech Self-Pay Recovery. Each file is scrubbed for payer denials, duplicate claims, charity-care eligibility, and out-of-network arbitration holds, ensuring only compliant Ohio medical debt collection accounts move forward.

Phase 2 – Patient Contact & Communication

First notices mail within 24 hours, paired with bilingual charity-care summaries. Voice, SMS, email, and portal outreach follow Ohio’s 8 a.m.–9 p.m. window and CSPA scripting. Patients can self-serve through our Early-Out Patient Collections portal, setting up zero-interest plans in minutes.

Phase 3 – Resolution & Payment Processing

Negotiated settlements, HSA draws, and payment-plan drafts post instantly to your PMS; real-time APIs feed finance dashboards. All receipts satisfy CSPA disclosure rules, closing the loop on fully compliant Ohio medical debt collection.

Types of Medical Debt We Collect

Hospital & Health-System Debt

Emergency-department visits
Inpatient & outpatient surgeries
Diagnostic imaging & laboratory services
Surgical implants & supplies

Physician-Practice Collections

Primary-care appointments
Specialist consults & office procedures
Ancillary lab/imaging referrals

Specialty Healthcare Debt

Dental debt collection
Vision & hearing care
Mental-health therapy
Home-health & physical-therapy balances

Benefits for Ohio Healthcare Providers

Improved Cash Flow

Clients using our Ohio medical debt collection program cut AR days by 30 % on average—capital you can reinvest in staffing and technology.

Compliance Assurance

HIPAA encryption, Ohio-licensed agents, and HCAHPS workflows shield you from Attorney General scrutiny and negative press.

Patient Relationship Preservation

Empathy-first scripting, transparent billing, and flexible payment options keep Net Promoter Scores high, even during challenging Ohio medical debt collection conversations.

Frequently Asked Questions

What is the statute of limitations for medical debt in Ohio?

Six years for written contracts, four for oral. A partial payment or a new written promise restarts the six-year clock.

Can medical debt affect my credit score in Ohio?

Yes—medical tradelines may still appear. MSB can suppress reporting on request, and we are tracking the CFPB’s proposed nationwide ban.

How does medical debt collection differ from other debt?

Ohio medical debt collection must comply with HIPAA, state licensing, CSPA, surprise-billing arbitration holds, HCAHPS charity-care, and the six-year statute, tougher than standard consumer debt.

What should I do if I receive a medical debt collection notice?

Review the itemized bill, compare charges to your Explanation of Benefits, and contact MSB within 30 days to dispute or arrange a payment plan.

Contact Our Ohio Medical Debt Collection Team

Looking to streamline your revenue cycle? Get in touch with our Ohio specialists now.

Phone: 316-263-1051
Address: 625 W. Maple St., Wichita, KS 67213