Rehabilitation Billing Cash Flow
You bill many low-dollar 15-minute timed units across physical, occupational, and speech therapy while UnitedHealthcare and Aetna take 30 to 90 days to pay.
A high volume of small claims, funded as one batch.
Rehabilitation combines physical, occupational, and speech therapy at high visit volume, billing many low-dollar 15-minute timed units, so a lot of cash sits tied up across many claims at once. Copay purchases the whole eligible batch and pays the next business day.
Today's eligible claims
$0
Turnaround
Next business day
From submitted batch to deposited capital.
Non-recourse
A denied eligible claim is Copay's loss, not yours.
How Copay works for rehabilitation.
Connect once
Connect your billing software in minutes. No IT ticket, no new system for your front desk.
Submit your batch
Submit the day's claims through your existing software, exactly as you do today.
Get paid
Copay purchases the eligible claims and deposits the capital the next business day, by ACH.
The rehabilitation codes Copay purchases.
Copay prices each claim individually at the service line, from timed therapeutic procedures to the occupational and speech therapy codes rehabilitation relies on.
Every eligible code is funded the next business day.
Therapy procedures
Occupational and speech therapy
Your capital scales with visit volume.
As your therapy schedule fills and visit volume climbs, Copay purchases the additional eligible claims at the same next-business-day terms, so cash keeps pace with the throughput instead of lagging weeks behind it in adjudication.
Visit volume by month
FundedRehabilitation billing, answered.
No. Copay is not a loan, not factoring, and not a merchant cash advance. Copay purchases your eligible rehabilitation claims outright and deposits funds the next business day, with no debt and no repayment schedule.
Rehabilitation combines physical, occupational, and speech therapy at high visit volume, billing many low-dollar 15-minute timed units. A large number of small claims sit in adjudication at once, so a lot of cash stays tied up. Copay purchases your eligible claims in bulk and funds them the next business day, so the whole batch turns into capital instead of waiting weeks to adjudicate one by one.
Copay purchases eligible claims billed to the commercial plans rehabilitation practices see most, including UnitedHealthcare, Anthem, Aetna, Cigna, Humana, and BlueCross, as well as Medicare and Medicaid managed care plans.
Payers cap annual visit counts, require periodic prior-authorization renewals, and scrutinize therapeutic procedure coding for medical-necessity documentation, so small claims can sit in adjudication for 30 to 90 days. Copay purchases your eligible claims and funds them the next business day, so that adjudication wait stops holding your capital.
Non-recourse means a denied eligible claim is Copay's loss, not yours. If an eligible purchased rehabilitation claim is denied or downcoded after the fact, Copay absorbs the loss with no clawbacks against your practice.
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
Therapeutic activities, direct (one-on-one) patient contact, each 15 minutes
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
$3,000
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 rehabilitation claims the next business day.
Copay purchases your eligible rehabilitation claims. No loans, no personal guarantee, no workflow change.