Hospital and Health System Billing Cash Flow
You carry enormous receivables across inpatient, outpatient facility, and professional claims while UnitedHealthcare, Anthem, and Aetna sit on those balances for 45 to 75 days.
Large balances stack up across every service line.
Hospitals and health systems carry enormous accounts receivable across inpatient MS-DRG claims, outpatient OPPS and APC facility fees, professional claims, and ancillary services, all at once and across every payer.
Clinical documentation requirements, charge-capture audits, and medical-necessity reviews slow commercial outpatient payment well beyond 30 days, tying up large balances across service lines.
Explore care settingsHospital payers, days to pay
Commercial outpatient claims routinely sit 45 to 75 days while charge-capture audits and medical-necessity reviews run.
Purchased at the code level, not blended.
Copay prices each claim individually at the service line, using how that specific code performs with your payor, so a 99285 emergency department facility claim is valued on its own merits rather than a portfolio average.
Inpatient stays paid under MS-DRG and outpatient services paid under OPPS and APC are each funded the next business day.
Codes Copay purchases
How Copay works for your health system.
Your revenue cycle team submits claims exactly as they do today. Nothing changes except when you get paid. Copay reads claim data at the clearinghouse layer, so there is no new software and no retraining.
Connect once, keep your billing software and payor relationships, and let eligible claims fund automatically.
See how it worksConnect
Connect your billing software once. Takes minutes, no IT ticket.
Submit
Submit claims through your existing billing software exactly as you do today.
Get paid
Capital lands in your account the next business day, by ACH.
Large balances, funded across every service line.
Non-recourse means a denied eligible claim is Copay's loss, not yours. When a large outpatient claim is held in medical-necessity review or denied after the fact, your capital is not clawed back.
A 99285 emergency department facility claim billed to UnitedHealthcare can be purchased non-recourse and funded the next business day, alongside the rest of your service lines.
See how non-recourse worksLarge balance, absorbed
Claim 99285
UnitedHealthcare · $685.00
A large balance under medical-necessity review is exactly the gap Copay closes.
Funded the next business day, before the payor ever resolves the review.
Hospital and health system billing, answered.
No. Copay is not a loan, not factoring, and not a merchant cash advance. Copay purchases your eligible hospital and health system claims outright and deposits funds the next business day, with no debt and no repayment schedule.
Copay purchases eligible commercial hospital claims billed to UnitedHealthcare, Anthem, Aetna, Cigna, Humana, and Blue Cross Blue Shield plans, across inpatient, outpatient facility, and professional service lines.
Yes. Copay purchases eligible inpatient claims paid under MS-DRG, outpatient facility services paid under OPPS and APC, and the professional claims that accompany them, so balances across every service line are funded the next business day.
No. Copay advances capital on eligible claims regardless of how slowly the payor adjudicates. Charge-capture audits, clinical documentation requirements, and medical-necessity reviews are exactly the cash flow gap Copay closes.
No. Your revenue cycle team submits claims exactly as it does today through your existing billing software or clearinghouse. Eligible claims are funded the next business day.
From submitted claim to funded account.
While insurance takes 30 to 90 days, Copay moves in one.
Step 01 · Submit
You submit your claims as normal
Nothing changes about how your billing team works.
Claim #18473
DOS 02/04/24
Emergency department visit for the evaluation and management of a patient, high level of medical decision making
Step 02 · Verify & Price
We verify and price in real time
Copay checks payor history and prices the claim at the CPT level.
Underwriting in progress
Step 03 · Approved
Advance approved
Capital is approved and scheduled for next business day deposit.
Advance Approved
$9,000
Net advance
Step 04 · Funded
Capital in your account
While the payor takes 30 to 90 days, you already have your capital.
Your account
$0
Available balance
Copay reconciles automatically when the payor pays. You do nothing.
Get paid on your hospital claims the next business day.
Copay purchases your eligible hospital and health system claims. No loans, no personal guarantee, no workflow change.