Medical Billing & Coding
ICD-10, CPT and HCPCS coding by AAPC and AHIMA certified coders, with every claim scrubbed before submission to raise your clean claim rate.
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New York Based · Serving Practices Nationwide
Outsourced Medical Billing Services for Practices Across the USA
Vector MB is a medical billing and revenue cycle management company based in Jamaica, New York, serving healthcare providers in all 50 states. We handle coding, claim submission, denial management, credentialing and AR recovery — so your practice gets paid faster, with fewer write-offs.
HIPAA Compliant
AAPC & AHIMA Certified Coders
No Long-Term Contracts
50+
Certified Billers & Coders
20+
Medical Specialties
50
States Served
HIPAA Compliant
AAPC Certified Coders E&O Insured
The Short Answer
What Does a Medical Billing Company Actually Do?
Medical billing is the process of preparing, submitting and following up on insurance claims so a healthcare provider gets paid for the care they deliver. It covers patient eligibility checks, medical coding (ICD-10, CPT and HCPCS), charge entry, claim scrubbing, electronic submission through a clearinghouse, payment posting, denial appeals and collection of aging accounts receivable.
Vector MB does all of it for you. When a practice outsources its medical billing to us, our certified coders and billers take over the entire revenue cycle — from the moment a patient checks in to the moment the claim is paid in full. Your front desk stops chasing insurers and goes back to looking after patients.
We work with solo providers, multi-location groups, diagnostic laboratories, urgent care centers and hospitals across all 50 states, and we bill under every major payer including Medicare, Medicaid, Cigna, Healthfirst, Fidelis Care, Emblem Health and Molina.
The Real Numbers
What In-House Billing Actually Costs You
Practices usually compare a billing company's percentage fee against a biller's salary. That is the wrong comparison — and it is why so many practices quietly lose money for years.
$58K–$80K
True cost of one in-house biller
A skilled medical biller earns roughly $42,000–$65,000 a year in the US. Add payroll tax, benefits, software licences, training and workspace, and the fully loaded cost lands between $58,000 and $80,000.
$120K–$240K
Cost of a small in-house team
A practice running two or three in-house billers is spending $120,000 to $240,000 every year — a fixed cost that does not shrink in a slow month and does not scale in a busy one.
5–10%
Of billed charges written off
US practices write off an estimated 5–10% of billed charges each year to denials and abandoned claims. On $2 million billed, that is $100,000–$200,000 that was earned but never collected.
Figures reflect published US industry benchmarks for 2026, not Vector MB client data. Your own numbers may differ — that is exactly what a free billing audit establishes.
Our Services
End-to-End Medical Billing & Revenue Cycle Management
Outsource one piece of your billing or the whole revenue cycle. Every service below is delivered by certified staff and reported back to you in writing.
Provider Credentialing & Enrollment
Payer enrollment, CAQH maintenance and re-credentialing handled end to end, so you are not losing billable revenue while waiting on approval.
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Revenue Cycle Management (RCM)
Full RCM from charge entry through collections, with monthly reporting on days in AR, first-pass resolution rate and net collections.
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Denial Management & Appeals
We categorise every denial by root cause, appeal what is appealable, and fix the upstream process so the same denial does not return next month.
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Eligibility & Prior Authorization
Insurance verified before the visit and prior authorizations obtained in advance — the cheapest possible way to stop a denial, because it never happens.
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AR Recovery & Payment Posting
Structured daily follow-up on aging AR, accurate EOB and ERA posting, and recovery of old claims other billing companies gave up on.
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Make the Call
In-House Billing vs Outsourced Medical Billing
Both models work. They just fail in different ways. Here is the honest comparison, including the parts most billing companies leave out.
| Factor | In-House Billing Team | Outsourced to Vector MB |
|---|---|---|
| Cost structure | $58,000–$80,000 fully loaded per biller, paid whether claims go out or not | A percentage of what we actually collect. If you don't get paid, neither do we |
| Staff absence | One biller off sick and claims stop going out that week | A team of 50+ billers and coders — nothing stalls because one person is away |
| Coding expertise | Usually one generalist covering every code set your practice touches | Specialty-assigned certified coders, with ongoing ICD-10 and CPT update training |
| Denial follow-up | The first thing dropped when the front desk gets busy | A dedicated denial and AR workflow that runs every single day |
| Reporting | Whatever your practice management system happens to produce | Monthly reporting on days in AR, first-pass resolution, denial reasons and net collections |
| Scaling up | Add a provider, hire another biller, retrain, repeat | Volume scales the same day — no hiring, no onboarding, no training gap |
| Compliance risk | Sits entirely with your practice | HIPAA-compliant workflows, a signed BAA, and E&O insurance behind the work |
| Control & visibility | You can walk over and ask | Named account manager plus monthly reporting — and you keep full access to your own system |
← Swipe to see the full comparison →
How We Measure Ourselves
The Numbers That Actually Matter
Any billing company can say it "improves collections." These are the metrics we report to every client, every month — because these are the ones that show whether it is true.
98%
Net Collection Rate
Of the money you were entitled to collect, how much actually landed. This is the truest single measure of a billing operation.
24hr
Claim Submission Time
Average turnaround from receiving a charge to submitting the claim. Slow submission is the quietest cause of cash-flow problems.
95%+
Clean Claim Rate
Claims accepted and paid on first submission, with no rejection or rework. 95% is the industry benchmark — below 90% means money is leaking.
<35
Days in AR
How long, on average, it takes to get paid after a claim goes out. Under 35 days is strong. Over 50 signals a follow-up problem, not a payer problem.
Who We Work With
Medical Billing for Every Size of Provider
A solo practice and a 200-bed hospital do not have the same billing problem. We build the workflow around the organisation, not the other way round.
Private Medical Practices
Solo providers and small groups where the front desk is doing billing between patients. We take that off them entirely — and usually find revenue that was being written off.
Billing for Private Practices
Urgent Care & Emergency Centers
High patient volume, unpredictable payer mix, constant eligibility problems. We run front-end verification hard, so denials never get the chance to pile up.
Billing for Emergency Centers
Hospitals & Multi-Location Groups
Multiple departments, multiple providers, multiple payer contracts. We consolidate the reporting so leadership can finally see the whole revenue picture in one place.
Billing for HospitalsHow It Works
Our Medical Billing Process — Step by Step
The same disciplined workflow runs on every claim, for every client, every day.
1
Eligibility Verification
Insurance and patient details verified before the visit, so the claim is not dead on arrival.
2
Charge Entry
Clinical documentation reviewed and charges captured accurately — nothing billable gets missed.
3
Medical Coding
ICD-10, CPT and HCPCS codes assigned by certified coders who know your specialty's rules.
4
Scrubbing & Submission
Every claim scrubbed for errors, then submitted electronically within 24 hours.
5
Posting & Follow-Up
Payments posted, denials appealed, aging AR worked until every claim is resolved.
Why Vector MB
Why Providers Outsource Their Billing to Vector MB
We are not the biggest billing company in the country and we are not trying to be. What we offer is a team large enough to be reliable, and small enough that you are not a ticket number in a queue.
Get a Free Billing AuditOne Dedicated Account Manager
A named person who knows your practice, your payers and your specialty. Not a support queue.
Month-to-Month, No Lock-In
No multi-year contract and no exit penalty. If we are not earning our fee, you can walk.
You Keep Your Data
Your billing data belongs to you. If you leave, it leaves with you — no hostage-taking.
Transparent Reporting
Monthly numbers you can hold us to. No black box, no vague "things are improving."
Medical Specialties
Specialty-Specific Medical Billing & Coding
Every specialty has its own modifiers, bundling rules and payer quirks. Our coders are assigned by specialty, not shuffled between them.
Cardiology
Diagnostic & interventional coding
Orthopedics
Procedure-heavy claim management
Mental Health
Behavioral health & therapy billing
Physical Therapy
PT, OT & rehab billing
Chiropractic
Chiro coding & documentation
Urgent Care
High-volume claim processing
Dermatology
Procedure & cosmetic billing
Nephrology
Dialysis & kidney care claims
Pediatrics
Well-child & immunization coding
Podiatry
Foot & ankle procedure billing
Urology
Surgical & office-based claims
Family Medicine
Primary care & preventive billing
Ophthalmology
Eye care & surgical coding
Orthodontics
Dental & medical cross-billing
Wound Care
Debridement & graft coding
Diagnostic Labs
Lab panel & pathology billing
Software
We Work Inside Your EHR
You do not have to switch systems to work with us. Our billers log into the practice management software you already use, so your clinical workflow does not change at all.
Athenahealth
eClinicalWorks
Kareo / Tebra
AdvancedMD
DrChrono
NextGen
CareCloud
Practice Fusion
Office Ally
CureMD
Using something else? Tell us which system — we will confirm compatibility before you commit to anything.
Pricing
How Much Does Outsourced Medical Billing Cost?
Most billing companies will not publish anything about pricing. Here is what the market actually looks like, so you can walk into any quote knowing the range.
We only get paid when you get paid.
Medical billing companies in the US typically charge 4%–9% of monthly collections. Some charge a flat fee per claim instead, which sounds cheaper but removes any incentive to chase the difficult claims.
Vector MB charges a percentage of what we actually collect for you — not a percentage of what you bill. That distinction matters: it means our interests and yours point the same way. There is no setup fee and no long-term contract.
Your exact rate depends on claim volume, specialty complexity and how much of the revenue cycle you hand over. We quote it in writing after reviewing your current billing.
Get a Free Billing Audit| Industry range | 4% – 9% |
|---|---|
| Primary & family medicine | 4% – 6% |
| Small to mid-size practices | 5% – 8% |
| Complex specialties cardiology, orthopedics, behavioral health | 7% – 9% |
| Solo practitioners | Toward the higher end |
| Setup fee | $0 at Vector MB |
| Contract length | Month-to-month |
One detail worth checking with any vendor: some charge on gross charges (everything billed, before write-offs) while others charge on net collections (what actually lands). Vector MB charges on net collections. That difference alone can change the real cost significantly.
Coverage
Medical Billing Services Nationwide
Vector MB is headquartered in Jamaica, New York and supports healthcare providers in all 50 states. We work across Queens, Brooklyn, Manhattan, the Bronx, Staten Island and Long Island — and remotely with practices anywhere in the USA. Billing does not require us to be in the building.
New York
New Jersey
Florida
Texas
California
Pennsylvania
All 50 States
Compliance & Security
HIPAA-Compliant Billing, Backed in Writing
Outsourcing your billing means handing someone else your patients' protected health information. That should worry you — and it should be the first question you ask any billing company you talk to.
Vector MB operates under HIPAA-compliant workflows, signs a Business Associate Agreement (BAA) with every client, restricts PHI access to assigned staff only, and carries errors & omissions insurance. We can also run a HIPAA Security Risk Analysis on your own practice if you have never had one done.
One honest note: no organisation can be "HIPAA certified." HHS does not certify anyone. Any billing company telling you otherwise is either confused or hoping you are.
HIPAA Security Risk Analysis
Client Feedback
What Providers Say About Working With Us
Feedback from healthcare practices that outsource their medical billing to Vector MB.
"They took the stress out of our billing. Communication is clear, and our collection rate improved noticeably within the first few months."
"The team is responsive and explains billing in a way that makes sense. Their denial management alone recovered claims we had already written off."
"We saw improvements in our revenue cycle within the first quarter after switching. The monthly reporting is genuinely useful, not just a formality."
"They take time to explain billing best practices rather than just processing claims. The transparency is what keeps us with them."
FAQ
Medical Billing Questions, Answered
Straight answers to what practices actually ask us before they sign.
How much does outsourced medical billing cost?
Most US medical billing companies charge between 4% and 9% of monthly collections. Primary care typically sits at 4–6%, while complex specialties like cardiology and orthopedics run 7–9%. Vector MB charges a percentage of what we actually collect — not of what you bill — with no setup fee and no long-term contract.
Is outsourcing medical billing cheaper than hiring in-house?
Usually, because the salary is not the real cost. A skilled US biller earns $42,000–$65,000, but the fully loaded cost with payroll tax, benefits, software and training is $58,000–$80,000. A practice with two or three billers is spending $120,000–$240,000 a year — a fixed cost that does not shrink in a slow month. Outsourcing converts that into a variable cost tied to what actually gets collected.
Do you work with my EHR or practice management system?
Yes. Our billers log into the system you already use — you do not switch software and your clinical workflow does not change. We work across the major platforms including Athenahealth, eClinicalWorks, Kareo/Tebra, AdvancedMD, DrChrono, NextGen, CareCloud, Practice Fusion, CureMD and Office Ally. Using something else? Tell us and we will confirm before you commit.
How long does it take to switch billing companies?
Typically two to four weeks. The timeline depends on how quickly we get system access, payer information and any open AR handed over. We run the transition in parallel with your existing process, so claims keep going out while the switch happens — there is no gap in submission.
What is a clean claim rate, and what counts as good?
A clean claim is one accepted and paid on first submission, with no rejection or rework. The industry benchmark is around 95%. Anything below 90% means you are losing real money to avoidable errors — and it is usually the first thing we fix.
What are days in AR, and what should mine be?
Days in AR measures how long, on average, it takes to get paid after a claim goes out. Under 35 days is considered strong; over 50 days usually signals a follow-up problem rather than a payer problem. It is one of the four metrics we report to every client every month.
How quickly do you submit claims?
Within 24 hours of receiving the charge, on average. Slow submission is one of the quietest causes of cash-flow problems in a practice — every day a claim sits unsubmitted is a day added to your days in AR.
What are the most common medical billing mistakes?
Incorrect or outdated coding, missed timely-filing deadlines, incomplete clinical documentation, unverified eligibility, and weak follow-up after submission. Four of those five are preventable before the claim ever leaves the building, which is why our workflow front-loads verification and scrubbing.
What is provider credentialing and how long does it take?
Credentialing is the process of getting a provider enrolled and approved with an insurance payer so their claims can be paid. It typically takes 60 to 120 days per payer. Until it is complete you generally cannot bill that payer — which is why delays here are so expensive, and why we handle it proactively rather than reactively.
Who owns the billing data if we leave?
You do. Your billing data is yours and it leaves with you. We work month-to-month with no long-term lock-in, and we hand over your data and open AR if you decide to move on.
Do you handle patient billing questions and statements?
Yes. We can generate and send patient statements and handle patient billing enquiries, so your front desk is not fielding insurance questions between appointments. This is scoped into your engagement rather than bolted on as a surprise add-on.
Is Vector MB HIPAA compliant?
Yes. We operate under HIPAA-compliant workflows, sign a Business Associate Agreement (BAA) with every client, restrict PHI access to assigned staff only, and carry errors & omissions insurance. Note that no organisation can be "HIPAA certified" — HHS does not certify anyone, and any billing company claiming otherwise is telling you something untrue.
More questions? Read our full FAQ or browse the blog.
What You Get in a Free Billing Audit
No sales pitch. We look at your current billing and tell you what we find — whether or not you hire us.
- Your current denial rate, and the top reasons behind it
- An estimate of recoverable revenue sitting in your aging AR
- Your clean claim rate and days in AR, benchmarked against your specialty
- A written recommendation — no obligation, no contract
Jamaica, New York
Insurance Payers We Bill
Contact Us
Get Your Free Billing Audit
Tell us a little about your practice and we will show you where revenue is leaking, what it is worth, and what it would take to fix. No obligation, and no contract required to find out.
Phone
+1 (929) 539-7737Office
15717 85TH ST, Jamaica, NY 11414-2620, United States
Office Hours
Monday – Friday, 8:00 AM – 6:00 PM EST
Request a Free Billing Audit
Fill in your details and a billing specialist will reach out within one business day.
Take Action Today
Stop Losing Revenue to Claim Denials
US practices write off an estimated 5–10% of billed charges every year. Find out what your share of that is. We will review your denial rate, your aging AR and your clean claim rate — free, and with no contract attached.