Overview

Most clinics don’t have an insurance problem.

They have a systems problem.

From the moment a patient walks out the door, clinics are relying on manual steps, outdated workflows, and disconnected software to get paid. What feels like “just admin” quickly turns into delayed payments, hidden under-billing, and avoidable cashflow pressure.

In this episode, Michael is joined by Ben Morfoot, co-founder of Effra, to break down why insurance billing is still so broken in healthcare, what actually causes bad debt, and how speed, automation, and better systems can radically change how clinics get paid.

The conversation covers PMI workflows, patient excesses, insurer behaviour, open APIs, manual errors, and why many clinics think their billing process works, until they look closely.

This episode is about fixing what happens after the appointment, protecting cash flow, and building processes that scale without more admin.

Show Notes

• Why PMI billing creates bad debt by default
• What “aged debt” really costs clinics over time
• Why most insurance billing fails after the patient leaves
• The hidden risks of manual invoicing and outsourced billing
• How slow billing damages cashflow and patient relationships
• Why insurers respond better to speed and clean data
• The role of automation in reducing admin and errors
• How poor tech integrations create unnecessary work
• Why billing problems don’t disappear as clinics scale

What You’ll Learn

• Why insurance billing feels harder than it should
• How speed dramatically improves payment rates
• Where clinics are losing money without realising
• Why manual processes increase errors and bad debt
• How patient experience is affected by poor billing workflows
• What “end-to-end” billing actually looks like in practice
• How to reduce admin without hiring more staff
• Who This Episode Is For
• Clinic owners working with PMI or private health insurers
• Practices struggling with aged debt or slow payments
• Growing clinics adding sites or clinicians
• Owners relying on manual or outsourced billing processes
• Anyone frustrated by insurance admin and cashflow issues

Who This Episode Is For

• Clinic owners working with PMI or private health insurers
• Practices struggling with aged debt or slow payments
• Growing clinics adding sites or clinicians
• Owners relying on manual or outsourced billing processes
• Anyone frustrated by insurance admin and cashflow issues

Not for:

• Clinics expecting insurers to “just pay eventually”
• Owners unwilling to review or change broken processes
• Practices comfortable with high levels of bad debt
• Businesses avoiding automation in favour of manual work

Guest Details

Ben Morfoot

Co-Founder, Effra

Ben is a former GoCardless product builder and co-founder of Effra, a platform designed to automate end-to-end insurance billing for healthcare clinics. His work focuses on removing manual admin, reducing aged debt, and helping clinics get paid faster through better systems, cleaner data, and smarter workflows.

Visit https://hmdg.co.uk for further information.

Follow Michael on LinkedIn. https://www.linkedin.com/in/mjschumacher100