Log InSee a Demo

Accounts receivable financing built for rheumatology practices.

Rheumatology practices bill complex evaluation and management and infusion therapy codes under commercial payor policies that apply prior authorization requirements and extended reimbursement timelines. Copay purchases your eligible claims and deposits funds into your practice bank account the next business day.

No loans
HIPAA compliant
96% approval rate
Next-day payment
Purchase Summary
CPT 20610 · Aetna
ENR $167.40
$186.00
CPT 99215 · UHC
ENR $190.80
$212.00
CPT 96372 · Cigna
ENR $61.20
$68.00
Today's purchase$466.00
Snapshot
Total A/R Balance$1,000,000
Claims Funded$1,975,000
Available Facility$500,000
$0 DebtBalance sheet
CPT/HCPCS
96%
Eligible
20610 96%
99215 95%
96372 97%
Rheumatology

Accounts receivable financing built for rheumatology practices.

Rheumatology practices manage some of the most prior authorization-intensive billing in outpatient medicine. Biologic infusion therapies, joint injections, and complex chronic disease management codes each carry detailed medical necessity documentation requirements that slow commercial reimbursement across all major health plans. 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.

96%
Approval rate
Next day
Time to payment
$0
Debt added to balance sheet
40+
Specialties served
No minimum billing volume. No personal guarantee. No changes to your billing workflow.
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 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.

2
Day 2

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.

3
Day 30 to 90

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

Built for rheumatology 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.

Common Services

What Rheumatology practices bill.

Rheumatology practices commonly bill for new and established patient office visits at moderate and high complexity levels, joint and bursa injections, arthrocentesis, intravenous infusion therapy for biologic medications, subcutaneous injection administration, bone density testing interpretation, and evaluation and management for chronic autoimmune and inflammatory conditions including rheumatoid arthritis, lupus, and psoriatic arthritis.

Eligible payors include
UnitedHealthcare
Anthem
Aetna
Cigna
Humana
Blue Cross Blue Shield
Centene
Molina
Medicare and Medicaid eligibility varies by state.
FAQ

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 rheumatology claims are already earning you cash.

No loans. No personal guarantees. No billing changes. 96% approval rate.

Schedule a DemoSee How It Works