With the changing environment of healthcare, more financial responsibility is being placed on patients. As a result, healthcare providers are seeing unprecedented levels of unpaid balances due primarily to increased deductibles. As a private practice, unfunded by the state or federal government, we cannot afford to write off higher and higher balances on a consistent basis. In addition, patients are often confused by their coverage and unprepared for the balances left by their policy. This leads to long, confusing and complicated collections processes often ending with their accounts being sent to an outside collection agency. This process is expensive for both the patient and the practice. The goal of Credit Card on File is to simplify the collection process and reduce the number of longstanding accounts being sent to collections.