Per seat, or a percentage of everything you collect
A US biller costs about $73,162 a year once benefits are counted. A percentage vendor on $1,000,000 of collections costs $40,000 to $100,000 a year. One of our seats is $20,400 a year, published, cancellable in thirty days. Every figure on this page is sourced at the bottom.
The four ways this gets priced
Before any comparison of vendors, there is a comparison of pricing models, and the model decides far more than the rate does.
- A percentage of collections. The common model, and one industry guide puts the usual band at around 3% to 10% of collections. The rate is not the problem with it. The problem is that your bill rises with every good month, so the better your practice does, the more the arrangement costs, for work that did not change.
- Per claim. Predictable per unit and unpredictable per month, because claim volume is not something you control. It also prices the wrong thing: a clean claim and a claim denied three times cost the same to submit and nothing like the same to work.
- Hourly. Honest, and almost nobody buys it, because it asks a practice to supervise hours it cannot see.
- A flat fee per seat. What we do. One trained person, full time, at a published monthly price. Your bill is the same in a record month as in a quiet one, which is the entire argument for it: the cost of the back office stops being a function of the front office.
There is a crossover, and it is worth finding before any sales call rather than after a year of invoices. Take your monthly collections, apply whatever rate you are quoted, and compare the answer with the seat price. Below the crossing point a percentage is the cheaper arrangement. Above it you pay more every month, for work that has not changed, and you keep paying more every time the practice has a good month. Put your own numbers into the cost calculator and it will show you where your own line crosses.
The three things you are choosing between
Nobody compares back-office options in the abstract. You are already doing one of these, and the question is whether swapping is worth the disruption. So this page puts all four side by side, including where we are the wrong answer.
| Hire in-house | % of collections | Other offshore | A Soft Home Global seat | |
|---|---|---|---|---|
| What you pay | $51,140 median salary, about $73,162 once benefits are counted | 4% to 10% of collections of everything collected | $1,280 to $1,600 a month, published | $1,700 a month — $20,400 a year |
| Does the bill grow as you do? | Only at review time | Yes — it is a share of your revenue | No | No. Same number every month |
| Is the price published? | You set it | Rarely — usually quoted per practice | Sometimes | Yes, every role, on this site |
| Minimum term | Employment, effectively open-ended | Commonly a year or more | Varies | One month, thirty days notice |
| Who is doing the work | Someone in your building | A team you do not choose | Often shared or overnight | One named person, your hours, your system |
| Whose incentive is it | Whatever you manage them to | The claims that are quickest to collect | Hours delivered | Whatever you put on the worklist |
| Scaling down means | Redundancy | Waiting out the contract | Varies | Thirty days notice |
| Where it genuinely wins | Roles whose value is being present | You cannot carry any fixed cost | Lowest possible monthly rate | Steady rules-based work nobody is doing |
Where we are not the answer
We are not the cheapest offshore provider. Published FTE rates from larger offshore firms start at $1,280 to $1,600 per FTE per month, which is below our floor of $1,500. If the only thing that matters is the lowest monthly number, take that one.
We are a fixed cost. A percentage vendor bills nothing in a month you collect nothing. We bill the same either way. If your volume is genuinely unpredictable, that risk transfer may be worth the higher long-run price.
We cannot be in the room. If the job includes covering the desk or walking a chart to a clinician, hire locally. We will say so on the call.
Why anybody outsources this at all
Denials stopped being exceptions. On first submission 11.81% of claims are denied — and payers ultimately pay roughly 90% of claims even while using an initial denial to slow payment. The money is usually there. Getting it costs three rounds, 45 to 60 days each of insurer review at $57.23 per denied claim in administrative cost, which is why US hospitals spent nearly $18 billion on overturning denials in a single year.
None of that work is difficult. It is just relentless, and it is nobody’s job in a practice where the person who could do it is answering the phone.
What you get for the difference
- One named full-time person, not a pool and not an overnight batch
- United States business hours in your time zone, so payers are reachable
- A published price for all 22 roles — the same number we quote you
- Your own system and your own login. Nothing is copied into a platform of ours
- A signed Business Associate Agreement before anyone has access
- One month minimum, thirty days notice, no annual term
Named vendors, on their own published prices
The table above compares categories. These pages compare us with one company at a time, using only what that company prints on its own site — quoted word for word, dated (September 11, 2026), linked, and with the section on where they win written first.
- Soft Home Global vs Ataraxis — their page states “Full-time / month $1,950 | 174 hrs · $11/hr all-in”
- Soft Home Global vs MedVirtual — their page states “Starting at $10/hour”
- Soft Home Global vs MCVO Talent — their page states “Monthly Cost $1,970 | Effective Hourly Rate $11.37”
Questions
Is a seat cheaper than hiring someone in the United States?
On the monthly invoice, yes, and by a wide margin. The median US wage for this occupation is $51,140 a year before benefits, and government data puts wages at only 69.9% of what an employer actually pays — so the real cost of that hire is nearer $73,162. What you give up is presence: your seat is not in the building and cannot cover the front desk.
Are you the cheapest offshore option?
No, and we would rather say so here than have you find out. Published offshore FTE rates start around $1,280 to $1,600 a month, below our floor. What you get for the difference is a named full-time person on United States hours rather than a shared or overnight resource, a published price rather than a quote, and a one month minimum.
Why not just pay a percentage of collections?
Because the bill grows exactly as your practice does. Published rates run 4% to 10% of collections, and 10% to 12% for complex specialties — which on $1,000,000 of collections is $40,000 to $100,000 a year. It also points the vendor at whatever is quickest to collect, which is rarely the ageing end of the report.
When is hiring locally genuinely the better answer?
When the role needs to be in the room — a practice manager, or a biller who also covers the front desk and makes judgement calls with a clinician standing over them. Offshoring a role whose value is presence is a false economy, and we will say so on the call rather than sell you a seat.
What is the catch with a flat seat?
You are buying capacity, not an outcome. If nobody on your side keeps the worklist stocked and tells us what "done" looks like, you will have paid for a full-time person to be underused. A percentage vendor carries that risk for you; we do not.
Why is this work worth outsourcing at all?
Because denials are now routine rather than exceptional — 11.81% of claims were denied on first submission — and payers ultimately pay roughly 90% of claims even while using an initial denial to slow payment. The money is usually there. Somebody just has to spend three rounds, 45 to 60 days each getting it, at $57.23 per denied claim of admin cost each.
Sources
Every external figure above, with the page it is printed on and the date the publisher gave it. Where a vendor does not date its own pricing page we say “undated” rather than imply it is current.
- $51,140 a year — National annual median wage for Medical Records Specialists (SOC 29-2072) — the occupation that covers medical billing and coding staff.
O*NET, citing US Bureau of Labor Statistics wage data · 2025 · view source - $81,150 a year — The 90th-percentile annual wage for the same occupation.
US Bureau of Labor Statistics, OEWS series · 2025 · view source - 69.9% — Wages and salaries are only 69.9% of what a private-industry employer pays per hour worked. Benefits are the other 30.1%.
US Bureau of Labor Statistics, Employer Costs for Employee Compensation (release of 12 June 2026) · March 2026 · view source - 4% to 8% of collections — AdvancedMD publishes its full RCM service fee as a percentage of collections.
AdvancedMD published pricing page · undated · view source - 4% to 10% of collections — The benchmark percentage-of-collections range for outsourced medical billing.
Neolytix · 27 July 2026 · view source - $40,000 to $100,000 a year — What the percentage model costs a practice collecting $1,000,000 a year.
Neolytix · 27 July 2026 · view source - 10% to 12% — High-complexity specialties are charged above the general band — cardiology, oncology and orthopedic surgery.
Neolytix · 27 July 2026 · view source - 24.5% charged 6–7% — Distribution of what billing companies on the percentage model actually charged, from a survey of billing companies.
Tebra industry survey · survey year 2022 · view source - $1,280 to $1,600 per FTE per month — Outsource2india publishes a dedicated offshore healthcare FTE price band.
Outsource2india published pricing page (states prices are indicative) · undated · view source - $1,950 a month — Ataraxis publishes $11/hour billed as a flat monthly rate for a full-time offshore VA.
Ataraxis published pricing page · undated · view source - $9.50 an hour — Hello Rache publishes a flat hourly rate for HIPAA-trained healthcare virtual assistants.
Hello Rache published pricing page · undated · view source - 11.81% of claims — The initial claim denial rate in 2024, across 2,100+ hospitals and 300,000 physicians.
Kodiak Solutions · 2024 data, published May 2025 · view source - 90% — Kodiak’s own framing: payers appear to use initial denials to slow payment, even though they ultimately pay roughly 90% of claims — which is why a denial is usually a delay to work, not a verdict, though Kodiak does not state the 90% as a rate on denied claims specifically.
Kodiak Solutions · published May 2025 · view source - $57.23 per denied claim — The administrative cost of fighting a single denied claim, up from $43.84 the year before.
Premier Inc national provider survey · 2023 data, published February 2025 · view source - three rounds, 45 to 60 days each — How long a denied claim spends in insurer review before it resolves.
Premier Inc national provider survey · published February 2025 · view source - nearly $18 billion — What US hospitals spent in 2025 on overturning claim denials alone.
American Hospital Association, Costs of Caring · 2025 data, published March 2026 · view source
Salary figures are national medians for an occupation, not a quote for your city. Your own cost differs by market and by benefits load. Percentage-vendor rates are what those vendors publish; what you are charged is whatever you negotiated.
If this is work somebody on your team is doing at four in the afternoon, it can be a seat.
Next step
Twenty minutes is enough to know
If the work does not suit a seat, I will tell you that on the call rather than sell you one.
Or write to ops@softhomeglobal.com