09/11/2026
Saw a comment thread this week: "stay away from flat rate billing." Every comment underneath was a different percentage of the same work. Everything from 3-5.5% of net.
But it’s worth pausing on that advice, because "billing" isn't one thing. The model matters more than the rate structure. And hardly anyone ever mentions that.
When most people hear "biller," they picture the standard setup: an external company working off a spreadsheet, collecting a percentage of what they bring in. That works for a lot of practices. But you're getting someone managing your numbers from the outside, without visibility into your documentation or why a claim actually bounced.
A lot of companies say they work "for you/with you”. Now that language gets thrown around so much it doesn't mean anything anymore.
Here's what embedded actually looks like: a BCBA writes a note on Tuesday that's missing something a payer will flag. If billing is embedded, that gets caught Tuesday, before it's submitted. If billing is external, you usually don't find out until the remit comes back weeks later. Now you're stuck fixing the note, refiling, and waiting again.
Thats the actual outcome difference. It's not about flat rate vs. percentage. It's about whether the person managing your billing is standing next to the work when it happens, or finding out about it after.