Effra is a UK billing automation platform that submits your insurance invoices, processes the remittances, collects patient excesses and reconciles the payments back to your bank. splose integrates with it, so you carry on invoicing in splose as you do now, and Effra handles the insurer side. Insurer payments come back into splose against the original invoice.
This guide covers what Effra does, how the two systems work together, and how to get set up.
Before you begin
Effra is available to UK practices only.
Effra is a separate subscription, set up and billed directly by Effra. It is not part of your splose plan, and connecting it does not change your plan.
Effra's team guides you through the setup. All you need to do is invite Effra to your workspace and assign them the Practice Manager role.
What Effra does
Effra covers the insurance billing process:
Submits your invoices to the insurer.
Processes remittance statements, including ones that arrive by portal, email or post.
Collects patient excess by emailing the patient an invoice with a pay link or charging a card on file.
Challenges shortfalls where an insurer has underpaid in error.
Reconciles payments through to your bank account.
Effra never holds your money. Insurers and patients pay your clinic directly, and Effra monitors your bank only to match payments to invoices.
Insurers Effra works with
Aviva
AXA
AXA Global
Bluline
Bupa
Bupa Global
Healix
Vitality
WPA
How splose and Effra work together
Most of this runs in the background once the invoice exists.
You create an invoice in splose, the same way you do today.
Effra picks it up and checks the details against what that insurer requires.
Effra submits the invoice to the insurer. Duplicate claims and missing information are flagged before submission.
Effra processes the remittance when the insurer responds, and automatically allocates the payments to your invoices.
The insurer payment appears in splose against the invoice using the Effra Patient Payment or Effra Insurer Payment methods. Partial payments are included.
Any patient excess is invoiced by Effra, with a pay link emailed to the patient, or charged to a card on file.
Effra reconciles the payment to your bank account.
Set up the integration
Effra’s team will guide you through granting access to splose, adding payment methods, sharing provider and insurer details, arranging access to remittance statements and connecting your bank account for reconciliation.
You’ll set up a new Stripe account for patient payments and agree how patient collections and reminders will work for your clinic.
Effra completes its configuration and agrees with you when processing will begin. This onboarding timeline can be as quick as a few days.
To get started, contact Effra at www.effra.io.
What changes for your team
Your team continues raising invoices in splose, while Effra takes care of submissions, remittances and patient excess collection, saving time and removing the hassle of chasing payments and processing invoices manually.
What changes:
Submitting invoices through insurer portals is done by Effra.
Remittance statements are processed by Effra rather than by hand.
Patient excesses are invoiced and chased by Effra.
Insurer payments arrive against the original splose invoice.
Things to note
Effra is billed separately by Effra. Your splose subscription and plan are unaffected.
Effra is for insurance billing. Self-pay invoices are unaffected and continue to work as they do today.
Effra does not hold or move your funds. Insurers and patients still pay your clinic directly.
FAQs
How the integration works
Does my team need to change how they invoice?
Does my team need to change how they invoice?
No. Your team creates invoices in splose as usual, and Effra picks them up automatically.
Which insurers does Effra work with?
Which insurers does Effra work with?
Aviva, AXA, AXA Global, Bluline, Bupa, Bupa Global, Healix, Vitality and WPA.
What details does Effra need on an invoice?
What details does Effra need on an invoice?
Only what the insurer requires, which varies between insurers.
Does Effra work for self-pay invoices?
Does Effra work for self-pay invoices?
No. Effra handles insurance billing. Self-pay invoices work as they do today.
Money and billing
Does Effra handle my money?
Does Effra handle my money?
No. Insurers and patients pay your clinic directly. Effra uses a bank connection to reconcile payments, but never holds or touches your funds.
Is Effra included in my splose subscription?
Is Effra included in my splose subscription?
No. Effra is a separate subscription, set up and billed directly by Effra. Connecting it does not change your splose plan.
For pricing, see www.effra.io.
Setting up and switching
How long does setup take?
How long does setup take?
Setup usually takes less than a week. Effra's team will guide you through onboarding, agree on a go-live date with your clinic, and provide ongoing support once you're live.
Is Effra available outside the UK?
Is Effra available outside the UK?
No. Effra is a UK platform, and the integration is for UK practices.
Troubleshooting
Invoices and submission
An invoice was flagged before it was submitted.
An invoice was flagged before it was submitted.
The ‘Action Required’ message in Effra’s dashboard will tell you what needs adding or updating. In some cases, such as a missing diagnosis, you can add the information directly in Effra.
For updates to patient details, you update the invoice in splose and Effra will then pull through the changes. Once the issue is resolved, Effra will continue processing it automatically.