Expert Analysis
Portfolio reviews of your receivables.
- No recovery, no fee
- Licensed where required
- HIPAA compliant
Why Expert Analysis Matters
Most organizations know they have outstanding receivables. What they often lack is a clear, data-backed picture of where the real recovery opportunities are — and where they are wasting effort on accounts that will never pay. MSB's expert analysis bridges that gap.
Midwest Service Bureau, founded in Wichita, Kansas in 1970, works debt portfolios across healthcare, commercial, municipal, and education sectors. That depth of experience means we are not just running your numbers through generic software — we are applying industry-specific knowledge to interpret what those numbers actually mean for your organization.
Expert analysis is not a luxury reserved for large health systems or Fortune 500 companies. Whether you are a 10-physician medical group wondering why your self-pay recovery rate lags behind benchmarks, or a municipal utility trying to understand seasonal delinquency patterns, MSB's analytical capabilities scale to match your needs and your budget.
Data-Driven Recovery Insights
Understanding your debt portfolio is the first step to maximizing recovery. MSB's expert analysis provides a comprehensive assessment of your accounts receivable, identifying opportunities for improved collection and revenue optimization.
- Portfolio aging analysis and segmentation
- Industry benchmarking and performance comparison
- Process efficiency evaluation and recommendations
- Compliance audit and risk assessment
Our analysis goes beyond surface-level aging reports. We segment your portfolio by account age, balance size, payer type, geographic region, and historical payment behavior to identify which accounts have the highest probability of recovery — and which ones are consuming resources with little return. This segmentation drives a prioritized collection strategy that focuses your investment (whether internal or outsourced) on the accounts most likely to pay.
For healthcare clients, we analyze self-pay vs. insurance follow-up performance, denial patterns, and the financial impact of payer mix shifts. For commercial clients, we assess debtor creditworthiness, industry-specific default rates, and the economic viability of legal action on larger balances. The result is a recovery strategy built on evidence rather than guesswork.
Client Portal Reporting
Our client portal shows account status and payment history for every account you place with MSB.
The Analysis Process
MSB's expert analysis follows a structured process designed to deliver actionable results, not theoretical recommendations:
Step 1: Data Collection. We work with your team to gather the relevant financial data — aging reports, placement history, recovery outcomes, payer mix, and any relevant operational context. We accept standard exports from EHR systems, billing platforms, and accounting software. The data collection process is HIPAA-compliant and uses encrypted transfer methods.
Step 2: Portfolio Assessment. Our analysts review and segment your accounts by balance, age and payment history. We identify high-value recovery segments, flag accounts with low recovery probability, and quantify the total recoverable value in your portfolio.
Step 3: Benchmarking. We compare your recovery performance against industry peers — similar-sized organizations in your sector and geography. This benchmarking shows where you are performing well and where gaps exist.
Step 4: Strategy Recommendations. Based on the assessment and benchmarking, we deliver specific, prioritized recommendations: which accounts to pursue aggressively, which to consider for settlement or write-off, where process changes could improve outcomes, and how outsourcing bad debt recovery could impact your bottom line.
Step 5: Ongoing Monitoring. For clients who place accounts with MSB, the client portal shows account status and payment history against the baseline set in the initial analysis.
ROI and Business Impact
Expert analysis is an investment, and MSB treats it that way — with measurable aims. Analysis allows us to focus collection effort where it will produce results, rather than spreading resources evenly across accounts with vastly different recovery probabilities.
The financial impact goes beyond direct recovery. Our analysis often reveals process inefficiencies — billing errors, inconsistent follow-up timing, or payer-specific issues — that, once corrected, reduce the volume of accounts reaching collections in the first place.
For organizations evaluating whether to outsource collections or continue handling it internally, our analysis provides the data needed to make that decision objectively. We calculate your current cost-per-dollar-collected, compare it to what MSB's contingency-based collections would cost, and project the net financial impact of each option. There is no sales pitch — just numbers.
Key Benefits
Every engagement is contingency-based: no setup fees, no monthly minimums, and our incentives stay aligned with your recovery.
Free Portfolio Review
We offer a complimentary initial analysis of your current portfolio to identify the largest recovery opportunities and process improvements — no commitment required.
Placement Recommendations
We review your balance distribution, aging buckets, payer mix and write-off patterns and recommend which accounts suit early-out, contingency placement, or no placement at all.
Actionable Insights
Every analysis concludes with specific, prioritized recommendations you can implement immediately. We tell you exactly what to do, in what order, and what results to expect.
Frequently Asked Questions
Not covered here? Call (800) 362-0272 and speak with a specialist.
Yes. MSB provides a complimentary initial assessment of your debt portfolio at no cost and no obligation. This review gives you a high-level view of your recovery opportunities and helps determine whether a deeper analysis or collections engagement would benefit your organization.
We typically need account aging reports, historical recovery data, and placement volumes. We can work with data exports from most billing systems, EHR platforms (Epic, eClinicalWorks, NextGen, Veradigm, and others), and accounting software. All data transfers are encrypted and HIPAA-compliant.
A standard analysis takes 2–3 weeks from data receipt to final recommendations. Complex portfolios (multi-location health systems, mixed commercial and consumer debt) may take 4–5 weeks. The complimentary initial review is typically completed within one week.
Yes. Our analysis services are independent of our collection services. Many organizations engage MSB for analysis to benchmark their current agency's performance or evaluate whether a change would improve results.
We analyze debt portfolios across healthcare (hospitals, clinics, dental, behavioral health), commercial B2B, municipal and utility, and education sectors. Our benchmarking data is industry-specific, so your performance comparisons are meaningful and relevant.
Ready to Get Started?
Contact us today for a free consultation and learn how our services can help your organization recover more.
- Contingency pricing. No setup fees, no monthly minimums.
- Compliance built in. FDCPA, HIPAA, TCPA and state licensing where required.
- A dedicated account manager. One person who knows your file, your team, and your timeline.