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Healthcare reimbursement, reimagined.

Apply in minutes and start turning insurance reimbursements into immediate cash flow.

Copay DashboardCopay Dashboard
96%
Approval rate
13M+
Claims processed
Next day
Time to payment
500K+
Reimbursement data points
40+
Specialties served
UnitedHealthcareAnthem BCBSAetnaCignaHumanaBlue Cross Blue ShieldCenteneMolinaMedicareMedicaidHighmarkHCSCUnitedHealthcareAnthem BCBSAetnaCignaHumanaBlue Cross Blue ShieldCenteneMolinaMedicareMedicaidHighmarkHCSC
How It Works

Submit today. Get paid tomorrow.

No new software. No changes to how you bill. Three steps from claim submission to cash in your account.

1
Day 1

Submit claims as normal

Your billing team submits claims through your existing EHR or clearinghouse. Copay identifies eligible claims through the integration layer. Nothing changes.

2
Day 2

Cash in your account

Payment on eligible claims arrives the next business day via ACH to your practice bank account. No draw request required. Every billing cycle, automatically.

3
Day 30–90

Payor pays. Copay reconciles.

When the payor reimburses on their normal schedule, Copay reconciles automatically. If an eligible claim is denied, Copay absorbs the loss.

Specialties

Built for your specialty.

Reimbursement patterns differ by specialty. Copay's underwriting accounts for those differences across every payor and procedure combination.

Why Copay

Not a loan. Not factoring. Something better.

Every structural advantage that separates Copay from every other option in the market.

$0
No debt on your balance sheet
Copay purchases your receivables outright. No debt added. No personal guarantee. Nothing is added to your liabilities.
96%
Non-recourse on eligible claims
If an eligible purchased claim is denied, Copay absorbs the loss. Your advance is never clawed back or reversed.
1 day
Next business day payment
Eligible claims submitted today are funded tomorrow via ACH. Every billing cycle, automatically.
Service-line level underwriting
Each claim is priced individually against real reimbursement data for your specific payor, procedure, and specialty.
No workflow changes
Your billing team submits claims exactly as they always have. Copay connects at the integration layer.
No payor contact
Copay does not notify your payors or alter your payor contracts. Your revenue cycle relationships stay entirely yours.

Stop waiting on your payors.

96% approval rate. No loans. No changes to your billing workflow.

Schedule a DemoSee How It Works