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People facing a health crisis deal with more than whatever it is that ails them.

They also can be knocked down by significant financial concerns that come with their serious health issues. Those deductibles, co-pays and other out-of-pocket expenses add up, creating additional stress when the patient needs to focus on healing.

That鈥檚 why it鈥檚 critical these days that you become familiar with the phrase 鈥渇inancial toxicity鈥�, an especially harsh fiscal reality that confronts a large percentage of patients whose expensive care devastates their pocketbooks even as illness devastates their bodies.

Here鈥檚 a financial toxicity example: One recently published study looked into the impact that cancer, one of the most expensive medical conditions, has on a patient鈥檚 net worth and debt. The researchers examined 9.5 million new cancer diagnoses that happened between 2000 and 2012, and found that a substantial portion of those people incurred financial toxicity. That is, worries about the money issues affected how well they responded to care.

Other expensive medical procedures and treatments also take a toll. The economic burden on transplant recovery is an example. Researchers around the US聽are studying the effects of transplants beyond physical recovery. Dr聽Stephanie Lee, an investigator focused on quality of life and transplant survivorship, is concerned that financial stress could potentially lower the success rates of transplants, and at the very least, drag the focus of the patient and family away from health and recovery.

That bill you hand patients doesn鈥檛 exist in some parallel world, separate from their overall wellness. The financial experience is an integral part of the overall experience, right from the moment you give them an initial cost estimate to the day when the final bill arrives.

That鈥檚 why financial toxicity needs to be taken into account from the start. You aren鈥檛 going to eliminate patient stress about the costs of their healthcare, but here are a few ways to help mitigate it:

Prioritise patient financial engagement. A key reason the overall healthcare experience can prove stressful and detrimental to healing is that the patient feels a loss of power or a disconnect from the process. It鈥檚 important that, even prior to the first visit, you are making use of phone, mobile, text and email to create a strong foundation of communication and to make the patient feel at ease.

Have conversations up front. The sooner you talk with patients about the costs, the better. Human nature sometimes causes us to put off the money talk and let the health concerns take centre stage, but in truth most patients want to know sooner rather than later how much they will pay.

Communicate clearly. Patients can be overwhelmed and confused when dealing with a serious medical condition. The financial side of things shouldn鈥檛 add to that confusion, so make sure cost issues are clear, concise and aligned with the patient鈥檚 needs. Also, while bills are no fun, there are ways to design your statement to at least make the experience a little more positive. Ditch those cold, corporate black-and-white statements. Instead, use colours that evoke a sense of calm and professionalism. Make sure customer-service phone numbers and email addresses are prominent so the patient doesn鈥檛 become frustrated searching for them or need a magnifying glass to read tiny type.

Let patients pay the way they want. With the stress patients already face, there鈥檚 no need for them to leap over unbendable billing hurdles as they seek to settle their account balances. Maybe they want to receive billing statements via their phones. Perhaps they want to split the payment over multiple credit and debit cards. A willingness to modify payment options to fit the patient鈥檚 personal situation and preferences will help ward off the dangers of financial toxicity. If you don鈥檛 have the technology in place to give patients the flexibility they need, it might be time for an upgrade.

Revenue-cycle decisions are an integral part of the patient experience, and patients rightfully expect an approach to their care that prioritises end-to-end wellness. Make sure you鈥檙e leveraging the right technology to achieve all your patient financial-experience goals.

April Wilson is Vice President of Marketing and Analytics for RevSpring (), a company that provides patient engagement and billing solutions for healthcare providers.

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