Accounts receivable financing built for primary care practices.
Primary care practices submit high volumes of evaluation and management claims and wait 30 to over 90 days for commercial reimbursement. Copay purchases your eligible claims and deposits funds into your practice bank account the next business day.
Accounts receivable financing built for primary care practices.
Primary care practices bill some of the highest claim volumes in outpatient medicine while operating on some of the thinnest margins in healthcare. Commercial payors reimburse evaluation and management and preventive care claims on their own schedule, creating a persistent cash flow gap between the care your practice delivers and the reimbursement it receives. Copay purchases your eligible claims individually, priced against actual reimbursement data for your specific payor and procedure. Whether your practice manages billing in-house or works with a medical billing company or revenue cycle management firm, Copay integrates without disrupting your existing operation. Your billing team changes nothing.
Submit today. Get paid tomorrow.
No new software. No changes to how you bill. Three steps from claim submission to cash in your account.
Submit claims as normal
Your billing team continues using your existing EHR, practice management system, billing platform, and clearinghouse to submit claims to payors. Nothing about your workflow changes. Copay works in the background, identifying eligible claims in real time based on payor type, procedure, and claim-level eligibility. Ineligible claims are flagged and excluded before any purchase is calculated.
Cash in your account
For each eligible claim, Copay calculates the purchase amount based on the Expected Net Reimbursement for that specific claim, less the applicable discount fee. Funds are deposited directly into your practice bank account by the next business day. No draw request, no approval process, no manual trigger. Embedded funding that runs automatically with your existing billing cycle.
Payor reimburses. Copay reconciles.
Your payor pays on their usual timeline. Nothing changes on their end, and nothing changes for your billing team. Copay automatically matches remittances to purchased claims as they are released. By the time your payor reimburses, your practice has already been paid.
Built for primary care practices billing realities.
Priced at the service-line level
Each claim is purchased individually based on the Expected Net Reimbursement for your specific payor, procedure, and specialty. No blended rates. The purchase reflects the real expected payment for that claim.
Works with telehealth billing
Whether your sessions are delivered in the patient's home or at another telehealth location, claims are eligible on the same terms as in-person visits across the United States. Place of service does not affect eligibility.
No disruption to your workflow or your payor relationships
Your billing team continues using its existing systems and processes. Copay works in the background to provide predictable cash flow from eligible claims without requiring changes to day-to-day operations. Your payor contracts are not altered. Your revenue cycle relationships remain entirely yours.
Grows with your practice
As your practice grows, more providers, more patients, more volume, your available facility grows with it. No renegotiation, no new application required.
HIPAA compliant by design
Your claim data is encrypted and secured with end-to-end encryption, role-based access controls, and a Business Associate Agreement is in place before your integration goes live.
What Primary Care practices bill.
Primary care practices commonly bill for new and established patient office visits across low, moderate, and high complexity levels, preventive medicine evaluations for adults and children, chronic care management, annual wellness visits, and transitional care management following hospital discharge.
Common questions.
Do I need to change how my billing team submits claims?+
No. Your billing team submits claims exactly as they always have through your existing EHR, billing software, or clearinghouse. Copay connects at the integration layer. Nothing in your billing workflow changes.
Which payors are eligible?+
Copay works with all major commercial payors including UnitedHealthcare, Anthem, Aetna, Cigna, Humana, Blue Cross Blue Shield plans, Centene, and Molina. Medicare and Medicaid eligibility varies by state and is confirmed during your application review.
Does Copay work with medical billing companies and RCM firms?+
Yes. Copay integrates with practices that manage billing in-house and with practices that use a medical billing company, revenue cycle management firm, or RCM platform. Your billing operation does not need to change for Copay to work.
Is there a minimum billing volume to qualify?+
There is no minimum claim volume required to apply. Eligibility and facility size are determined based on your actual claim volume and payor mix.
Your primary care claims are already earning you cash.
No loans. No personal guarantees. No billing changes. 96% approval rate.