Stop waiting 30 to 90 days for reimbursement.
Commercial and government payors reimburse on their own schedule. Copay purchases your eligible claims and deposits cash the next business day — permanently closing the collection delay gap.
Replace the wait with next-day funding.
Collection delays are a structural feature of the insurance reimbursement system. Copay eliminates their impact on your practice by purchasing eligible claims the day they are submitted.
Next business day funding
Eligible claims submitted today are funded tomorrow via ACH. Every billing cycle, without exception. The reimbursement wait becomes irrelevant to your cash flow.
No changes to your workflow
Your billing team submits claims exactly as they always have. Copay connects at the integration layer. The delay is eliminated without disrupting your operations.
Covers all major commercial payors
UnitedHealthcare, Anthem, Aetna, Cigna, Humana, Blue Cross Blue Shield, Centene, and Molina are all eligible. Medicare and Medicaid eligibility varies by state.
Non-recourse on eligible claims
If an eligible purchased claim is denied or reduced, Copay absorbs that loss. Collection delays and denial risk are both removed from your receivables.
No debt, no personal guarantee
Copay purchases your receivables outright. Nothing is added to your balance sheet. No interest charges. No personal guarantee required.
Scales with your volume
As your practice grows and claim volume increases, your available Copay facility grows with it. No renegotiation required.
End the reimbursement wait.
Next-day funding on eligible claims. No loans, no debt, no workflow changes.