How do I adjust fees when a patient will likely use financing?
Build it in ahead of time. Third party financing isn’t free to you. The lender takes a cut, and if you ignore that, the discount you’re effectively giving comes straight out of your margin. So if the credit report is strong and you have good reason to think this patient finances the case, set the fee to account for it before you ever present. Same logic applies to the patient who is unusually difficult, chronically late, or eats extra chair time. Those are real costs. Build for them while you still can, because once the number is on the sheet you can’t quietly raise it. This isn’t about gouging anyone. It’s about pricing the actual case in front of you instead of pricing a fantasy patient who pays cash and shows up early. Decide it in preparation, not on the fly.
If the answers you are finding here resonate with you, my team and I work with a small group of clients each year. The next step is a complimentary Discovery Consultation and Practice Review with Dr. McAnally.