{"id":13949,"date":"2025-11-03T16:14:02","date_gmt":"2025-11-03T15:14:02","guid":{"rendered":"https:\/\/www.swikly.com\/?p=13949"},"modified":"2025-11-03T16:15:52","modified_gmt":"2025-11-03T15:15:52","slug":"reste-a-charge-patient-comment-lencaisser-sans-bloquer-le-parcours-de-soins","status":"publish","type":"post","link":"https:\/\/www.swikly.com\/en\/medical\/2025\/11\/reste-a-charge-patient-comment-lencaisser-sans-bloquer-le-parcours-de-soins\/","title":{"rendered":"Out-of-pocket expenses: how can you pay for them without blocking the care pathway?"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"13949\" class=\"elementor elementor-13949\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-71b38a23 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"71b38a23\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-251e497b\" data-id=\"251e497b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a1853e2 elementor-widget elementor-widget-image\" data-id=\"a1853e2\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"533\" src=\"https:\/\/swiklywpstorage.blob.core.windows.net\/wp-media\/2025\/11\/anton-oemojNQYYe4-unsplash-1-1024x682.jpg\" class=\"attachment-large size-large wp-image-13955\" alt=\"Out-of-pocket expenses\" srcset=\"https:\/\/swiklywpstorage.blob.core.windows.net\/wp-media\/2025\/11\/anton-oemojNQYYe4-unsplash-1-1024x682.jpg 1024w, https:\/\/swiklywpstorage.blob.core.windows.net\/wp-media\/2025\/11\/anton-oemojNQYYe4-unsplash-1-300x200.jpg 300w, https:\/\/swiklywpstorage.blob.core.windows.net\/wp-media\/2025\/11\/anton-oemojNQYYe4-unsplash-1-768x512.jpg 768w, https:\/\/swiklywpstorage.blob.core.windows.net\/wp-media\/2025\/11\/anton-oemojNQYYe4-unsplash-1-1536x1024.jpg 1536w, https:\/\/swiklywpstorage.blob.core.windows.net\/wp-media\/2025\/11\/anton-oemojNQYYe4-unsplash-1-18x12.jpg 18w, https:\/\/swiklywpstorage.blob.core.windows.net\/wp-media\/2025\/11\/anton-oemojNQYYe4-unsplash-1.jpg 2000w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d44268 elementor-widget elementor-widget-heading\" data-id=\"2d44268\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Balancing patient experience and financial security<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f1ff323 elementor-widget elementor-widget-text-editor\" data-id=\"2f1ff323\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-size: 19.2px;\">For private healthcare establishments, out-of-pocket expenses represent a real challenge: they account for a significant proportion of turnover, but they are also a source of complexity. Excess fees, non-nomenclature procedures, non-reimbursed devices... These amounts can quickly escalate, while remaining difficult to collect.<\/span><\/p><p><span style=\"font-size: 19.2px;\">Between the desire to ensure a seamless patient experience and the need to guarantee cash flow, clinics are looking for a solution that is efficient, modern and simple to manage.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-acdd767 elementor-widget elementor-widget-heading\" data-id=\"acdd767\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span style=\"font-size: 34.56px\">Out-of-pocket expenses: a recurring challenge for establishments<\/span><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e5d44f elementor-widget elementor-widget-text-editor\" data-id=\"1e5d44f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-size: 1em;\">In most facilities, the remaining costs are paid after the operation, often by deferred invoicing. On the face of it, this is a simple practice, but it has serious consequences:<\/span><\/p><ul data-start=\"1419\" data-end=\"1606\"><li data-start=\"1419\" data-end=\"1486\"><p data-start=\"1421\" data-end=\"1486\">Collection times stretching over several weeks,<\/p><\/li><li data-start=\"1487\" data-end=\"1536\"><p data-start=\"1489\" data-end=\"1536\">Unpaid rates can exceed 10 %,<\/p><\/li><li data-start=\"1537\" data-end=\"1606\"><p data-start=\"1539\" data-end=\"1606\">Secretariats overloaded with reminders and regularisations.<\/p><\/li><\/ul><p data-start=\"1608\" data-end=\"1913\">Making payment more stringent (via a deposit or payment on exit) doesn't solve the problem: it creates a <strong data-start=\"1710\" data-end=\"1746\">direct friction with the patient<\/strong>sometimes at the worst possible time in their care.<br data-start=\"1796\" data-end=\"1799\" \/>Establishments find themselves in an unstable balance between <strong data-start=\"1872\" data-end=\"1910\">recovery and patient experience<\/strong>.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ef67f9 elementor-widget elementor-widget-heading\" data-id=\"1ef67f9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The limits of traditional methods<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0ed3759 elementor-widget elementor-widget-heading\" data-id=\"0ed3759\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">1. Advance payment before intervention<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5dfdce0 elementor-widget elementor-widget-text-editor\" data-id=\"5dfdce0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<blockquote data-start=\"1846\" data-end=\"1910\"><p data-start=\"1848\" data-end=\"1910\">\u00a0\u2192 Secures cash flow, but complicates the patient experience.<\/p><\/blockquote>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bdd6a0e elementor-widget elementor-widget-text-editor\" data-id=\"bdd6a0e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Advance payments are effective on paper, but they are cumbersome to manage: regularisations, partial reimbursements, disputes. They also create a psychological barrier for patients, who do not always know the exact amount in advance.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dad4ba4 elementor-widget elementor-widget-heading\" data-id=\"dad4ba4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">2. Payment on departure<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a2f7cae elementor-widget elementor-widget-text-editor\" data-id=\"a2f7cae\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<blockquote data-start=\"1846\" data-end=\"1910\"><p data-start=\"1848\" data-end=\"1910\">\u00a0\u2192\u00a0<span style=\"font-size: 1em;\">The least favourable time for payment.<\/span><\/p><\/blockquote>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c304c3e elementor-widget elementor-widget-text-editor\" data-id=\"c304c3e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Patients are tired and sometimes in a hurry. The result: queues at the secretariat, payments postponed or even abandoned. This method of payment lengthens the discharge process and puts a strain on the teams.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-929e7b6 elementor-widget elementor-widget-heading\" data-id=\"929e7b6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><span style=\"font-size: 30.72px\">3. Post-intervention billing<\/span><\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27d6e65 elementor-widget elementor-widget-text-editor\" data-id=\"27d6e65\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<blockquote data-start=\"1846\" data-end=\"1910\"><p data-start=\"1848\" data-end=\"1910\">\u00a0\u2192 <span style=\"font-size: 1em;\">Administratively simple, but financially risky.<\/span><\/p><\/blockquote>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ba476d elementor-widget elementor-widget-text-editor\" data-id=\"5ba476d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Payment times are long, reminders are time-consuming, and some of the money is lost forever.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-05fb4ca elementor-widget elementor-widget-heading\" data-id=\"05fb4ca\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span style=\"font-size: 34.56px\">Changing the logic: from underpayment to integrated payment<\/span><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a1d915e elementor-widget elementor-widget-text-editor\" data-id=\"a1d915e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p data-start=\"1986\" data-end=\"2298\">Faced with this impasse, a more modern approach is needed: <strong data-start=\"2045\" data-end=\"2090\">automated post-intervention settlement<\/strong>based on bank fingerprints.<br data-start=\"2122\" data-end=\"2125\" \/>The idea is simple: to secure payment upstream, but only to collect once the exact amount is known, after reimbursements have been made by the Social Security and mutual insurance companies.<\/p><p data-start=\"2300\" data-end=\"2578\">In practical terms, patients deposit their bank imprint at the time of pre-admission, via a secure link sent by SMS or email.<br data-start=\"2431\" data-end=\"2434\" \/>No debits are made. The patient remains free and reassured, while the establishment has a clear and traceable payment guarantee.<\/p><p>\u00a0<\/p><p data-start=\"2580\" data-end=\"2832\">Once the reimbursements have been made, the exact out-of-pocket expenses are automatically deducted.<br data-start=\"2674\" data-end=\"2677\" \/>No regularisation, no forgotten cheques, no calls to follow up. Payment becomes <strong data-start=\"2768\" data-end=\"2809\">a fluid stage in the care pathway<\/strong>not a rupture.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a309a1 elementor-widget elementor-widget-heading\" data-id=\"1a309a1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">A lever for efficiency as well as a confidence-building tool<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-00f875e elementor-widget elementor-widget-text-editor\" data-id=\"00f875e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-size: 1em;\">The schools that have adopted this model all agree that the difference is spectacular.<\/span><\/p><p data-start=\"3016\" data-end=\"3251\">From a financial point of view, <b>unpaid debts are reduced by an average of 80%<\/b>The average time taken to collect cash is reduced from several weeks to a fortnight.<\/p><p data-start=\"3016\" data-end=\"3251\">But beyond the figures, it's the day-to-day administration that's changing:<\/p><ul data-start=\"3252\" data-end=\"3450\"><li data-start=\"3252\" data-end=\"3327\"><p data-start=\"3254\" data-end=\"3327\">Secretaries no longer spend their days chasing up patients,<\/p><\/li><li data-start=\"3328\" data-end=\"3390\"><p data-start=\"3330\" data-end=\"3390\">Practitioners are no longer afraid of late payment,<\/p><\/li><li data-start=\"3391\" data-end=\"3450\"><p data-start=\"3393\" data-end=\"3450\">And finance departments gain in predictability.<\/p><\/li><\/ul><p data-start=\"3452\" data-end=\"3686\">The patient experience is also transformed: no advance payment, no card blocking, no surprises.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ffdef88 elementor-widget elementor-widget-heading\" data-id=\"ffdef88\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Change made easy by technology<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-839855f elementor-widget elementor-widget-text-editor\" data-id=\"839855f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p data-start=\"3743\" data-end=\"3896\">Until now, one of the major obstacles to modernising payments has been the <strong data-start=\"3819\" data-end=\"3847\">integration complexity<\/strong> with business tools. This is no longer the case.<\/p><p data-start=\"3898\" data-end=\"4257\">Recent solutions such as <strong data-start=\"3927\" data-end=\"3937\">Swikly<\/strong> integrate directly\u00a0<a href=\"https:\/\/www.swikly.com\/en\/partners\/#medical\" target=\"_blank\" rel=\"noopener\" data-wplink-edit=\"true\">management software\u00a0<\/a>(Berger-Levrault, Dedalus, Calimed Sant\u00e9, etc.), enabling each bank imprint to be linked to a specific <strong data-start=\"4088\" data-end=\"4114\">single patient file<\/strong>.<br data-start=\"4115\" data-end=\"4118\" \/>Sending the link, 3D Secure validation, traceability and collection are all automated, with no extra work for staff.<\/p><p>\u00a0<\/p><p data-start=\"4259\" data-end=\"4505\">This controlled digitalisation changes everything: it simplifies administrative work while complying with security obligations (DSP2, RGPD, 3D Secure).<br data-start=\"4415\" data-end=\"4418\" \/>The result: <strong data-start=\"4432\" data-end=\"4503\">less friction, more control and a cashflow that breathes.<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1589128 elementor-widget elementor-widget-heading\" data-id=\"1589128\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span style=\"font-size: 34.56px\">Towards a new standard for the patient pathway<\/span><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d1852ba elementor-widget elementor-widget-text-editor\" data-id=\"d1852ba\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p data-start=\"4564\" data-end=\"4835\">Securing the remaining out-of-pocket expenses should not be seen as a constraint, but rather as an opportunity to reduce costs. <strong data-start=\"4651\" data-end=\"4695\">natural evolution of the care pathway<\/strong>.<br data-start=\"4696\" data-end=\"4699\" \/>The aim is no longer simply to guarantee payment, but to make this process invisible, without any mental or administrative burden.<\/p><p data-start=\"4837\" data-end=\"4910\">Establishments that have taken the plunge see a twofold benefit:<\/p><p>\u00a0<\/p><ul data-start=\"4911\" data-end=\"5138\"><li data-start=\"4911\" data-end=\"5011\"><p data-start=\"4913\" data-end=\"5011\">A <strong data-start=\"4917\" data-end=\"4953\">enhanced economic performance<\/strong>Thanks to controlled flows and secure revenues,<\/p><\/li><li data-start=\"5012\" data-end=\"5138\"><p data-start=\"5014\" data-end=\"5138\">And a <strong data-start=\"5021\" data-end=\"5054\">improved route quality<\/strong>where the question of payment no longer disturbs the relationship between carer and patient.<\/p><\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d709897 elementor-widget elementor-widget-heading\" data-id=\"d709897\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Conclusion: reconciling finance and fluidity<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11807c9 elementor-widget elementor-widget-text-editor\" data-id=\"11807c9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p data-start=\"5196\" data-end=\"5462\">In a sector where trust and transparency are essential, <strong data-start=\"5266\" data-end=\"5321\">the bank footprint represents the perfect balance<\/strong> between safety and simplicity.<br data-start=\"5351\" data-end=\"5354\" \/>It ensures the financial stability of the establishments without ever making the patient journey more difficult.<\/p><p>\u00a0<\/p><p data-start=\"5464\" data-end=\"5722\">And for organisations wishing to take this step, players such as\u00a0<a href=\"https:\/\/www.swikly.com\/en\/medical-la-solution-contre-vos-impayes\/\" target=\"_blank\" rel=\"noopener\">Swikly<\/a>\u00a0is already supporting clinics and groups in this transition, with an approach designed specifically for the medical sector: integrated, secure and respectful of care.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>All too often a source of stress for patients and teams alike, out-of-pocket expenses can be managed calmly. The challenge is to cash in efficiently, without slowing down the care process.<\/p>","protected":false},"author":1,"featured_media":13955,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","_mo_disable_npp":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[347],"tags":[202,343,341,351,368],"class_list":["post-13949","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-medical","tag-empreinte-bancaire","tag-impayes","tag-medical","tag-patient","tag-sante"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Reste \u00e0 charge patient : comment l\u2019encaisser sans bloquer le parcours de soins ? - Swikly<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez comment encaisser le reste \u00e0 charge patient sans impay\u00e9s ni friction. 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