Telehealth Billing Cash Flow

No. Copay is not a loan, not factoring, and not a merchant cash advance. Copay purchases your eligible telehealth claims outright and deposits funds the next business day, with no debt and no repayment schedule.

Yes. Copay purchases your eligible claims at the same next-business-day terms regardless of delivery, so a 90837 session billed with the telehealth place of service is funded the same way as an in-person visit.

All major commercial payers currently cover behavioral health telehealth as of 2026, including UnitedHealthcare, Aetna, Anthem BCBS, Cigna, and Humana, along with Medicare and Medicaid managed care plans. Copay purchases eligible claims billed to any of them.

The psychotherapy codes 90832, 90834, and 90837 and the psychiatric diagnostic evaluation codes 90791 and 90792 are all billable via telehealth with the appropriate place of service and modifier. Copay purchases each eligible code the same way it purchases an in-person claim.

Commercial payers and Medicare Advantage plans expect modifier 95 for a synchronous audio-video session. Original Medicare fee-for-service identifies telehealth by place of service alone and does not require modifier 95. POS 10 means the patient was at home and pays the higher non-facility rate, while POS 02 means a facility or other non-home site and pays the facility rate. Copay prices each claim on its expected net reimbursement, so these rules do not change how or when you get paid.

Yes. The in-person visit requirement for Medicare behavioral health telehealth is currently waived. Under present guidance it is scheduled to return on January 1, 2028, when Medicare will again require an initial in-person visit within six months of the first telehealth behavioral health service and at least annually after that. Copay purchases your eligible telehealth claims regardless of how that rule evolves.

Non-recourse means a denied eligible claim is Copay's loss, not yours. If an eligible purchased telehealth claim is denied or downcoded after the fact, Copay absorbs the loss with no clawbacks against your practice.