Why a generic billing tool isn't enough for your clinic: 7 problems NubeFact and Alegra don't solve

Your clinic is not a clothing store. It's not a restaurant. It's not a hardware shop. So why are you billing with a system designed for clothing stores, restaurants, and hardware shops?

NubeFact, Alegra, and Quesito are excellent electronic billing tools. They comply with SUNAT, issue valid receipts, and are easy to use. But they were designed for any business, not yours. And that difference creates 7 concrete problems that affect your operations every single day.

Problem 1: It doesn't handle insurance company agreements

If your clinic works with HMOs, private insurers, or corporate agreements, each insurer has different terms: coverage percentages, caps, deductibles, covered and non-covered procedures, negotiated rates.

With a generic billing tool: You manage all of this in Excel or from memory. Every time an insured patient arrives, you manually look up the agreement terms, verify coverage, and calculate how much the patient pays versus how much the insurer covers.

What you actually need: A system with all your agreements pre-configured, so that when a patient checks in, it automatically identifies their coverage, applies the correct terms, and splits the amounts.

Problem 2: It doesn't calculate copays automatically

The copay is the portion the patient pays out of pocket when they have insurance. The percentage varies by insurer, procedure type, patient plan, and specific agreement.

With a generic billing tool: Your front desk staff calculates the copay manually. This leads to errors: you overcharge the patient (and they complain) or undercharge them (and you lose money). It also slows down service.

Real impact: A 5% error rate on copays at a clinic billing S/.50,000/month ($14,000 USD) to insurers means S/.2,500/month ($700 USD) in incorrect charges — S/.30,000 (~$8,300 USD) per year.

Problem 3: It doesn't generate insurance settlements

After seeing insured patients, you need to prepare a settlement for each insurer: a document detailing all services rendered, amounts, copays collected, and the balance the insurer owes you.

With a generic billing tool: You prepare settlements manually in Excel. You compile data from multiple sources, verify each transaction, and format the document according to each insurer's requirements. This takes hours of administrative work every week.

What you actually need: A system that prepares settlements automatically, with all supporting documentation, ready to submit to the insurer.

Problem 4: It doesn't apply differentiated rate schedules

At a clinic, the same procedure can have 5 different prices:

• Price for private-pay patients
• Price for Insurer A
• Price for Insurer B
• Price for corporate agreement X
• Price for corporate agreement Y

With a generic billing tool: You have a single price per product/service. Your staff has to remember or look up the correct rate for each patient type. This is slow, error-prone, and hard to audit.

What you actually need: A dynamic rate system that automatically applies the correct price based on the patient type, their insurer, and their specific agreement.

Problem 5: It doesn't integrate with your PACS, LIS, or HIS

Your clinic has clinical systems: a PACS for medical imaging, a LIS for laboratory, an HIS for electronic health records. Every time a study or test is performed, a charge should be generated in your billing system.

With a generic billing tool: Your staff enters each charge manually. If 3 lab tests and 1 X-ray were done, someone has to create 4 line items in the billing system. This leads to:

• Lost charges — a study goes unregistered and unbilled
• Incorrect charges — the wrong price is entered
• Delays — the manual process takes time for every patient

What you actually need: Native integration where charges are generated automatically when a clinical study is completed. No manual entry, no errors, no delays.

Problem 6: It doesn't have a healthcare-specific point of sale

A generic billing tool's point of sale (POS) is designed to sell products: search for an item, add a quantity, collect payment. A clinic's point of sale is fundamentally different:

• You search for the patient (not a product)
• You apply the rate based on their agreement (not a fixed price)
• You calculate the copay (not the total)
• You record the patient's payment method AND the amount billed to the insurer
• You link the receipt to the clinical episode (consultation, study, procedure)

With a generic billing tool: You adapt your workflow to the system. You create "products" that represent medical services, but you lose the connection to the patient, their agreement, and their clinical episode.

Problem 7: It doesn't report by payer type

At the end of the month, you need to know:

• How much did I bill to private-pay patients?
• How much does each insurer owe me?
• What's my average ticket by patient type?
• Which agreement is most profitable?
• What's my collection rate by insurer?

With a generic billing tool: You get a generic sales report. To get these breakdowns, you need to export to Excel and process manually. The data isn't structured for analysis by payer type.

What you actually need: Native reports that segment by private-pay vs insured patients, by insurer, by agreement, by service type, with collection metrics and aging analysis.

So what do I actually need?

You need a commercial management system designed for healthcare. Not a generic billing tool with workarounds.

Davix Commercial Management solves all 7 problems starting at S/.49/month (~$15 USD). And it doesn't force you to buy anything else — it's a standalone module you can use on its own or integrate with PACS, LIS, or HIS if you need them.

"But I already have NubeFact and it works..."

If your clinic:

• Only serves private-pay patients (no insurers)
• Issues fewer than 50 receipts per month
• Doesn't have PACS, LIS, or HIS that need integration
• Doesn't need reports by payer type

Then yes, a generic billing tool may be enough for now. But if your clinic grows — if you add insurer agreements, install a PACS, or need to track collections — you'll eventually need to switch.

With Davix, you don't need to switch. Commercial Management grows with you, and when you need additional modules, they're already there and fully integrated.

Frequently asked questions

Does Davix replace NubeFact?

Yes. Davix Commercial Management includes full SUNAT electronic billing. You don't need to keep NubeFact or any other billing tool alongside it.

How much does Davix Commercial Management cost?

Starting at S/.49/month (~$15 USD, Essential plan) + S/.0.25 per document issued. Detailed pricing is published at davix.ai/precios/gestion-comercial/.

Do I need a technician to implement Davix?

No. Activation includes implementation, configuration, and training. Davix is 100% web-based — you don't need to install anything on your computers.

Can I migrate my data from NubeFact or Alegra?

Yes. Activation includes data migration. The Davix team helps you transfer your historical information.

Conclusion

A generic billing tool solves ONE problem: issuing tax receipts. A clinic has at least 7 commercial management problems that a generic billing tool can't solve.

The answer isn't more Excel spreadsheets, more manual processes, or more hours of administrative work. The answer is a system designed for healthcare from the ground up.

Davix Commercial Management costs the same as a generic billing tool (S/.49/month, ~$15 USD), but solves all 7 problems. Visit davix.ai/precios/gestion-comercial/ for detailed pricing.