Insurance takes 30 plus days. Copay takes one.
Stop waiting on payor reimbursement timelines. Copay purchases your eligible insurance receivables and deposits cash the next business day, every billing cycle, automatically.
The reimbursement gap is a structural problem.
Commercial and Government payors operate on their own timelines. The average practice waits 30 to 90 days for reimbursement on submitted claims. That gap is not a cash flow challenge — it is a structural feature of the insurance reimbursement system.
Payors pay on their schedule, not yours
Commercial insurance companies process and pay claims on timelines designed around their operations. The average adjudication window for commercial claims is 30 to 90 days after submission.
Practices carry the gap
While waiting for reimbursement, practices cover payroll, rent, and operating expenses from existing cash reserves — or from a line of credit that adds debt to the balance sheet.
The gap compounds at scale
As a practice grows and sees more patients, the reimbursement gap grows with it. More volume means more outstanding receivables — and more cash tied up waiting on payors.
Purchase your receivables. Get paid tomorrow.
Copay closes the reimbursement gap permanently by purchasing your eligible insurance receivables the day they are submitted and depositing the advance the next business day.
Next business day payment
Eligible claims submitted today are funded tomorrow via ACH. Every billing cycle, without a draw request or approval step. Automatic.
No loans. No debt.
Copay purchases your receivables outright. This is a sale, not a loan. Nothing is added to your balance sheet. No interest charges. No repayment schedule.
Non-recourse on eligible claims
If an eligible purchased claim is denied or reduced, Copay absorbs that loss. You keep the advance. No clawbacks on eligible claims.
Scales with your billing volume
Your available facility grows automatically as your claim volume grows. No renegotiation required. Growth is built into the structure.
No workflow changes
Your billing team submits claims exactly as they always have. Copay connects at the integration layer. Nothing changes for your staff.
No payor contact
Copay does not contact your payors or alter your payor contracts. The arrangement is invisible to payors and patients.
Stop waiting on your payors.
96% approval rate. Next-day funding. No loans, no debt, no payor contact.