Adjust your monthly volume and see your estimated RSAI cost, traditional market cost, and monthly savings — side by side.
Outsourced Billing & RCM Fee (4–7% of net collections): The industry-standard fee charged by third-party medical billing and revenue cycle management companies. Per MGMA (2025), outsourcing fees average approximately 5% of net collections — an amount that scales directly with revenue regardless of the work performed. This calculator defaults to 5%. MGMA notes that 36% of practices planned to outsource or automate part of their RCM in 2025 due to the growing complexity of in-house billing.
Billing Staff Rate ($20.00/hr): Based on PayScale's 2026 report, the average hourly pay for a Medical Billing Specialist in the U.S. is $20.02/hr. The U.S. Bureau of Labor Statistics (BLS) May 2024 Occupational Employment Survey reports the median annual wage for Medical Records Specialists at $50,250/year ($24.16/hr). This calculator uses the $20.00/hr figure as a conservative baseline. Fully loaded cost including employer payroll taxes, health benefits, and PTO is typically 25–35% higher.
Prior Authorization Administrative Burden: According to the AMA's 2024 Prior Authorization Physician Survey — the largest annual PA survey in the U.S. — physicians complete an average of 43 prior authorization requests per physician per week, consuming approximately 12 hours of physician and staff time weekly. More than 27% of physicians report that PA requests are often or always denied, and 95% say PA somewhat or significantly increases burnout. More than a third of practices (35%) employ staff exclusively to handle prior authorizations.
Eligibility Verification Staff Cost: The AMA reports the average manual insurance eligibility check takes 12.64 minutes (CGM/eMEDIX, citing AMA data). At a fully-loaded staff rate of $20.00/hr, this equals $4.21 per manual verification. Manual phone verification can take 20–30 minutes per patient according to Experian Health's State of Patient Access 2024 survey, creating staff bottlenecks. Source: CGM eMEDIX citing AMA; Experian Health 2024.
Medical Coding Labor Cost: PayScale (2026) reports the average Medical Coder earns $23.40/hr. ZipRecruiter (April 2026) reports $22.42/hr. Industry standard productivity for outpatient coding is 20 charts per 8-hour day, yielding a per-encounter labor cost of $23.40 × 8 ÷ 20 = $9.36 per encounter. Inpatient or complex coding takes significantly longer and costs more. Sources: PayScale 2026 Medical Coder Hourly Pay; ZipRecruiter April 2026.
Phone Outreach Labor Cost: At a fully-loaded staff rate of $20.00/hr, the per-minute cost for inbound or outbound patient phone calls is $20.00 ÷ 60 = $0.33/minute. For outsourced call centers, fully loaded rates including overhead, management, and quality assurance typically range from $0.50–$1.25/minute. This calculator defaults to $0.33/minute (in-house staff baseline). Sources: Bureau of Labor Statistics; industry call center benchmarks.
Collections Range: Slider runs to $100M/mo to accommodate the full spectrum from solo practices through multi-state hospital systems and IDNs. Drag to where your practice sits — credits scale automatically.