Ophthalmology and Optometry Billing Cash Flow
Your medical eye care and routine vision claims run on different timelines, while cataract surgery and anti-VEGF injection balances sit 30 to 90 days with commercial payers.
Medical eye care claims sit while balances grow.
UnitedHealthcare and Anthem can take 30 to 90 days to pay a comprehensive eye exam or a surgical claim, and Cigna and Aetna are rarely faster. Split billing routes medical eye care to commercial health plans on one timeline while routine vision services run on another.
While you wait, high-cost cataract surgery and recurring anti-VEGF injection balances stay tied up.
Explore clinical specialtiesEye care payers, days to pay
Commercial medical eye care claims routinely sit 30 to 90 days while high-cost surgical and injection balances stay tied up.
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 66984 cataract procedure is valued on its own merits rather than a portfolio average. A 92083 extended visual field examination is priced the same way.
Every eligible ophthalmology and optometry code is funded the next business day.
Codes Copay purchases
How Copay works for your practice.
Your billing 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 EHR 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 EHR exactly as you do today.
Get paid
Capital lands in your account the next business day, by ACH.
A tied-up cataract balance is our risk, not yours.
Non-recourse means a denied eligible claim is Copay's loss, not yours. When a high-cost 66984 cataract claim is purchased non-recourse and funded the next business day, that large balance no longer sits on your books, and if the commercial plan later denies it, your capital is not clawed back.
See how non-recourse worksLarge balance, absorbed
Claim 66984
UnitedHealthcare · $1,650.00
A high-cost cataract balance is exactly the gap Copay closes.
Funded the next business day, before the commercial plan ever resolves the claim.
Eye care billing, answered.
No. Copay is not a loan, not factoring, and not a merchant cash advance. Copay purchases your eligible ophthalmology and optometry claims outright and deposits funds the next business day, with no debt and no repayment schedule.
Copay purchases eligible commercial ophthalmology and optometry claims, including those billed to UnitedHealthcare, Anthem, Aetna, Cigna, Humana, and Blue Cross Blue Shield plans.
Medical eye care claims that go to commercial health plans are eligible for purchase and fund the next business day, regardless of the slower timeline those payors run. Routine vision services billed to vision plans follow a separate track, so the medical side of your book never waits on the vision side to settle.
Yes. High-cost cataract surgery claims and recurring intravitreal anti-VEGF injection claims are exactly the large balances that tie up your cash. Copay prices each claim at the service line and funds eligible claims the next business day, before the commercial payor resolves them 30 to 90 days later.
No. Your billing team submits claims exactly as it does today through your existing EHR, 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
Extracapsular cataract removal with insertion of intraocular lens prosthesis (one stage procedure)
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 ophthalmology claims the next business day.
Copay purchases your eligible ophthalmology and optometry claims. No loans, no personal guarantee, no workflow change.