Lost Revenue Calculator

Plug in your numbers to see the monthly opportunity from improved FSA/HSA utilization and recovered card declines. Three cases: conservative, likely, and stretch.

Your practice

Enter the numbers you already know. Access-rate defaults reflect BLS 2025 data; decline and recovery defaults are planning estimates from the FSA/HSA audit SOP.

Monthly paying patientsAverage ticket ($)

Patients you bill per month (A)

Per-visit revenue (B)

Patient base profile

Sets a starting FSA/HSA access rate based on the patient mix. Adjust the slider below to fine-tune.

Patients with FSA/HSA access40%

BLS 2025 NCS: 47% of private-sector workers have FSA access; 41% have HSA access. General mix default: 40%.

Currently using FSA/HSA at your practice15%

Your self-reported utilization (E)

Target utilization50%

Audit benchmark: 50%

Card decline rate (last 90 days)15%

Default 15% if unknown (F)

Declines that become lost sales30%

Default 30% if unknown (G)

Recovery rate (with new SOP)70%

Default 70%, share of lost sales recoverable

Estimated monthly opportunity

Conservative$3,087/ mo

Likely$6,174/ mo

Stretch$8,026/ mo

Annualized (likely)$74,088

Potential lift over today+17%

Likely monthly opportunity ÷ today's cash-pay revenue.

Where this number comes from

The Likely figure above is today's revenue plus two stackable lifts.

Today's cash-pay revenue$36,000

Paying patients × average ticket. The baseline we're growing from.

+ Lift from higher FSA/HSA use$5,040

Moving FSA/HSA use from your current rate up to ~50% of eligible patients.

+ Recovered declined cards$1,134

Recapturing ~70% of sales currently lost when an FSA/HSA card declines.

= New monthly run-rate$42,174

What the Likely scenario implies once both fixes are in place (+17% over today).

Access-rate defaults are anchored to BLS 2025 National Compensation Survey data. Decline and recovery defaults remain planning estimates. Re-test after 30 days of tracked FSA/HSA activity. Not tax or legal advice.