All Things PMI, Payments and Getting Paid Faster with Ben Morfoot (Effra)

OverviewMost clinics don’t have an insurance problem.They have a systems problem.From the moment a patient walks out the door, clinics are relying on manual steps, outdated workflows, and disconnected software to get paid. What feels like “just admin” quickly turns into delayed payments, hidden under-billing, and avoidable cashflow pressure.In this episode, Michael is joined by Ben Morfoot, co-founder of Effra, to break down why insurance billing is still so broken in healthcare, what actually causes bad debt, and how speed, automation, and better systems can radically change how clinics get paid.The conversation covers PMI workflows, patient excesses, insurer behaviour, open APIs, manual errors, and why many clinics think their billing process works, until they look closely.This episode is about fixing what happens after the appointment, protecting cash flow, and building processes that scale without more admin.Show NotesWhy PMI billing creates bad debt by defaultWhat “aged debt” really costs clinics over timeWhy most insurance billing fails after the patient leavesThe hidden risks of manual invoicing and outsourced billingHow slow billing damages cashflow and patient relationshipsWhy insurers respond better to speed and clean dataThe role of automation in reducing admin and errorsHow poor tech integrations create unnecessary workWhy billing problems don’t disappear as clinics scaleWhat You’ll LearnWhy insurance billing feels harder than it shouldHow speed dramatically improves payment ratesWhere clinics are losing money without realisingWhy manual processes increase errors and bad debtHow patient experience is affected by poor billing workflowsWhat “end-to-end” billing actually looks like in practiceHow to reduce admin without hiring more staffWho This Episode Is ForClinic owners working with PMI or private health insurersPractices struggling with aged debt or slow paymentsGrowing clinics adding sites or cliniciansOwners relying on manual or outsourced billing processesAnyone frustrated by insurance admin and cashflow issuesWho This Episode Is ForClinic owners working with PMI or private health insurersPractices struggling with aged debt or slow paymentsGrowing clinics adding sites or cliniciansOwners relying on manual or outsourced billing processesAnyone frustrated by insurance admin and cashflow issuesNot for:Clinics expecting insurers to “just pay eventually”Owners unwilling to review or change broken processesPractices comfortable with high levels of bad debtBusinesses avoiding automation in favour of manual workGuest DetailsBen MorfootCo-Founder, Effra - https://www.effra.io/Ben is a former GoCardless product builder and co-founder of Effra, a platform designed to automate end-to-end insurance billing for healthcare clinics. His work focuses on removing manual admin, reducing aged debt, and helping clinics get paid faster through better systems, cleaner data, and smarter workflows.Visit https://hmdg.co.uk for further information.   Follow Michael on LinkedIn. https://www.linkedin.com/in/mjschumacher100