Virtual Credit Card Fees: The Skim Hiding in Your Insurance Payments -- Drill & Bill
Many dental insurers now pay claims by one-time virtual credit card, which forces your front desk to run it through the merchant terminal and quietly skims two to five percent — sometimes up to ten — off money you already earned. This brief breaks down the cost and walks the one-form fix: switch to direct deposit (EFT) and enroll across payers through CAQH EnrollHub.
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The Problem
Your insurance company is paying your claims with a credit card — and charging you a fee to collect money you already earned. Here is what that quiet skim costs a practice, and the one form that stops it.
The Playbook
Here is the playbook: Pull last month's insurance payments and flag anything paid by virtual credit card — that is your leak in dollars. Request direct deposit and electronic remittance in writing and decline the card. Enroll once across payers through CAQH EnrollHub, then watch the next two or three remittances to confirm the switch stuck.
Download the Payer VCC Opt-Out Script
Grab the tool from this episode: it downloads the instant you submit and lands in your inbox too. Just your email — no account, nothing to unsubscribe from unless you opt in below.