How to Collect a Doctor Bill by Franklyn Pierre Davis
How to Collect a Doctor Bill by Franklyn Pierre Davis
A man with a bulging forehead once said that "Life is what you make it." This is very true in the profession of medicine. The successful physician must live in the manner of successful men. To do this, most men must live upon the income from their practice. If the physician properly cares for his wife and children, he must realize on his investment-his medical education. A man's first duty is to his own, and it is written that the man who fails to collect that which is due him, and "provides not for his own, and especially for those of his own house, is worse than an infidel."
To successfully conduct any enterprise it is necessary to adopt business methods. System is the key-note of modern business, and the simplest system is the best. A cash system is by far the simplest.
No man can succeed in practice, nor can he be considered a safe medical adviser so long as he is handicapped by poverty, a worried mind or poor health; or if he is compelled to dodge around corners to escape his creditors.
There are men who tell us that they are not in practice so much for money as for the glory and honor of the profession. If these men are sincere, I pity them from the bottom of my heart, and feel sorry for their wives and children. Nor can I understand where the profession can gain much honor from men who are financial failures. Not that money is the only thing for which we should strive, but that the man who provides not for his own, cannot be representative of the noble profession of medicine. Also, I have observed that the path of glory leads in the direction of the cemetery, and checks on the National Bank of Fame are generally protested when the rent comes around.
The applause and compliments of the multitude are no doubt sweet, but it only lulls to rest the voice of duty, and fails to provide sustenance for those dependent upon us. Man cannot live on air alone-even though it be flavored by the ambrosia of sweet compliments and the hypnosis of applause. Again, I have observed that a larger crowd will turn out any time to see a man hung than to compliment him on a duty well performed.
The man who answers calls at all hours of the day and night, for any and every one who may request his services; with no assurance of ever receiving pay; and who is afraid to demand settlement for fear of losing practice, is not competent to conduct his own affairs, much less to practice medicine. It is this class of men who make dead-beats of our patrons, and thus reduce the income of physicians to a point where a bare existence is all we can hope for.
To be a safe medical advisor requires that the mind be free from the petty cares of life. He should live in a manner in keeping with the dignity of the profession to which he has given his life. He must have a neat office, wear good clothes, have a happy home and a contented mind.
It is well to achieve the reputation of being an indefatigable and shrewd collector. It pays. It will influence your regular patrons to pay more promptly. It will also help to keep away those who trespass upon your time and never pay you. The only sure way to hold practice is to require your patrons to pay their bills promptly. If they do not owe you they are not so liable to avoid you and cease to employ you. Let a family once get greatly in arrears, then it will happen that-not having the cheek to face you-they will call another physician, and give every reason but the true one for deserting you. Thus, through your own neglect you lose patronage, friends and your good name and reputation. The public will never place any higher value on your services than you do yourself. The death-knell of any physician's success is tolled when he becomes known as a "cheap doctor."
Not only must you require others to pay you, but you must also pay your own bills. Physicians, as a rule, are considered poor pay by business men. It is a very good rule in life to discount all bills that you owe, and never to discount a bill due you. Make it a rule to never owe any man anything, and to have as few owe you as possible.
Many physicians will cut their bills to whatever the debtor cares to pay. In this way they lose a large part of their fees, and achieve the reputation of being poor business men.
I heard an old Arkansas doctor relate his experience in discounting a bill that well illustrates the weakness of many physicians. A client owed him $60, and after the account had run about six months, the man came in and said, "Doc, I hain't got the money, but if you will cut that bill in two I'll borrow it from my father-in-law." The doctor thought $30 would be better than waiting, so agreed. Three months later the man returned and said, "Doc, I couldn't get the money from my father-in-law, but I have a fat hog I can sell and get some money if you will cut that bill in two." The account was growing old and the doctor thought he had better take the $15, so he said all right. Six months from that time the fellow hove in view again. This time he said, "Doc, my wife thought we needed that hog for meat and I couldn't get her consent to sell it, but I have a job now, and if you will cut that bill in two, I'll pay you." This time the doctor thought he saw $7.50 in sight, so again he agreed. "All right, Doc," said the debtor, "as soon as I get in a few weeks work, I'll be in and pay you." The doctor said the fellow did come around a few months later and began a similar story, but he told him to go to a country where rotary snow plows are not much in demand.
One of the greatest mistakes is in allowing accounts for different cases to accumulate until the amount becomes so large that it is difficult to pay. It is always best to require settlement as soon after each case is dismissed as possible. In sending statements, be careful to itemize by cases only, as "John, fever, $15," "Wife, confinement, $25," etc. I seldom give the disease unless it is some special case that required much attention. In some cases it refreshes their memory when reference is made to the disease.
You must know your business. Give every man a square deal, and require others to do the same by you. When you have completed your work, remember the advice of old Prof. Joslyn, "Get money, still get money, boy, no matter by what means" so long as it is justly due you for services rendered. If you fail to require your patrons to pay you for your services, you have not done your full duty.
* * *
I spent four hours preparing a five-course meal for our fifth anniversary. When Jackson finally walked into the penthouse an hour late, he didn't even look at the table. He just dropped a thick Manila envelope in front of me and told me he was done. He said his stepsister, Davida, was getting worse and needed "stability." I wasn't his wife; I was a placeholder, a temporary fix he used until the woman he actually loved was ready to take my place. Jackson didn't just want a divorce; he wanted to erase me. He called me a "proprietary asset," claiming that every design I had created to save his empire belonged to him. He froze my bank accounts, cut off my phone, and told me I’d be nothing without his name. Davida even called me from her hospital bed to flaunt the family heirloom ring Jackson claimed was lost, mocking me for being "baggage" that was finally being cleared out. I stood in our empty home, realizing I had spent five years being a martyr for a man who saw me as a transaction. I couldn't understand how he could be so blind to the monster he was protecting, or how he could discard me so coldly after I had given him everything. I grabbed my hidden sketchbook, shredded our wedding portrait, and walked out into the rain. I dialed a number I hadn't touched in years—a dangerous man known as The Surgeon who dealt in debts and shadows. I told him I was ready to pay his price. Jackson and Davida wanted to steal my identity, but I was about to show the world the literal scars they had left behind.
Two years of marriage left Brinley questioning everything, her supposed happiness revealed as nothing but sham. Abandoning her past for Colin, she discovered only betrayal and a counterfeit wedding. Accepting his heart would stay frozen, she called her estranged father, agreeing to the match he proposed. Laughter followed her, with whispers of Colin's power to toss her aside. Yet, she reinvented herself-legendary racer, casino mastermind, and acclaimed designer. When Colin tried to reclaim her, another man pulled Brinley close. "She's already carrying my child. You can't move on?"
Rain hammered against the asphalt as my sedan spun violently into the guardrail on the I-95. Blood trickled down my temple, stinging my eyes, while the rhythmic slap of the windshield wipers mocked my panic. Trembling, I dialed my husband, Clive. His executive assistant answered instead, his voice professional and utterly cold. "Mr. Wilson says to stop the theatrics. He said, and I quote, 'Hang up. Tell her I don’t have time for her emotional blackmail tonight.'" The line went dead while I was still trapped in the wreckage. At the hospital, I watched the news footage of Clive wrapping his jacket around his "fragile" ex-girlfriend, Angelena, shielding her from the storm I was currently bleeding in. When I returned to our penthouse, I found a prenatal ultrasound in his suit pocket, dated the day he claimed to be on a business trip. Instead of an apology, Clive met me with a sneer. He told me I was nothing but an "expensive decoration" his father bought to make him look stable. He froze my bank accounts and cut off my cards, waiting for the hunger to drive me back to his feet. I stared at the man I had loved for four years, realizing he didn't just want a wife; he wanted a prop he could switch off. He thought he could starve me into submission while he played father to another woman's child. But Clive forgot one thing. Before I was his trophy wife, I was Starfall—the legendary voice actress who vanished at the height of her fame. "I'm not jealous, Clive. I'm done." I grabbed my old microphone and walked out. I’m not just leaving him; I’m taking the lead role in the biggest saga in Hollywood—the one Angelena is desperate for. This time, the "decoration" is going to burn his world down.
In their previous lives, Gracie married Theo. Outwardly, they were the perfect academic couple, but privately, she became nothing more than a stepping stone for his ambition, and met a tragic end. Her younger sister Ellie wed Brayden, only to be abandoned for his true love, left alone and disgraced. This time, both sisters were reborn. Ellie rushed to marry Theo, chasing the success Gracie once had-unaware she was repeating the same heartbreak. Gracie instead entered a contract marriage with Brayden. But when danger struck, he defended her fiercely. Could fate finally rewrite their tragic endings?
I had been a wife for exactly six hours when I woke up to the sound of my husband’s heavy breathing. In the dim moonlight of our bridal suite, I watched Hardin, the man I had adored for years, intertwined with my sister Carissa on the chaise lounge. The betrayal didn't come with an apology. Hardin stood up, unashamed, and sneered at me. "You're awake? Get out, you frumpy mute." Carissa huddled under a throw, her fake tears already welling up as she played the victim. They didn't just want me gone; they wanted me erased to protect their reputations. When I refused to move, my world collapsed. My father didn't offer a shoulder to cry on; he threatened to have me committed to a mental asylum to save his business merger. "You're a disgrace," he bellowed, while the guards stood ready to drag me away. They had spent my life treating me like a stuttering, submissive pawn, and now they were done with me. I felt a blinding pain in my skull, a fracture that should have broken me. But instead of tears, something dormant and lethal flickered to life. The terrified girl who walked down the aisle earlier that day simply ceased to exist. In her place, a clinical system—the Valkyrie Protocol—booted up. My racing heart plummeted to a steady sixty beats per minute. I didn't scream. I stood up, my spine straightening for the first time in twenty years, and looked at Hardin with the detachment of a surgeon looking at a tumor. "Correction," I said, my voice stripped of its stutter. "You're in my light." By dawn, I had drained my father's accounts, vanished into a storm, and found a bleeding Crown Prince in a hidden safehouse. They thought they had broken a mute girl. They didn't realize they had just activated their own destruction.
Kathryn was the true daughter, but Jolene stole her life and set her up for ruin. After a brutal kidnapping scheme, Kathryn's loyalty to her brothers and fiancé was met with cruel betrayal. Narrowly escaping, she chose to cut all ties and never forgive them. Then she shocked the world: the miracle doctor for the elite, a top-tier hacker, a financial mastermind, and now the untouchable star her family could only watch from afar. Her brothers begged, her parents pleaded, her ex wanted her back-Kathryn exposed them all. The world gasped as the richest man confessed his love for her.
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