Urgent Care Billing Cash Flow
A high volume of lower-dollar visits leaves a lot of cash tied up while UnitedHealthcare and Aetna take weeks to pay.
A high volume of small claims, funded as one batch.
Urgent care lives on lower-dollar claims at scale, so a lot of cash sits tied up across many visits 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 urgent care.
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 urgent care codes Copay purchases.
Copay prices each claim individually at the service line, from routine visits to the global and after-hours codes urgent care relies on.
Every eligible code is funded the next business day.
Evaluation and management
Urgent care and after hours
Your capital scales with the surge.
When cold and flu season drives visit volume up, Copay purchases the additional eligible claims at the same next-business-day terms, so cash keeps pace with the rush instead of lagging weeks behind it.
Claim volume by month
FundedUrgent care billing, answered.
No. Copay is not a loan, not factoring, and not a merchant cash advance. Copay purchases your eligible urgent care claims outright and deposits funds the next business day, with no debt and no repayment schedule.
Urgent care runs on a high volume of lower-dollar claims, so a lot of cash sits tied up across many visits at once. 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 urgent care centers see most, including UnitedHealthcare, Aetna, Cigna, and BlueCross, as well as Medicare and Medicaid managed care plans.
Yes. There is no fixed cap. When cold and flu season drives visit volume up, Copay purchases the additional eligible claims at the same next-business-day terms, so your capital scales with the surge instead of lagging behind it.
Non-recourse means a denied eligible claim is Copay's loss, not yours. If an eligible purchased urgent care claim is denied or downcoded after the fact, Copay absorbs the loss with no clawbacks against your center.
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
Office or other outpatient visit for the evaluation and management of an established patient, moderate 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
$4,100
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.
Your urgent care claims are already earning you cash.
Copay purchases your eligible urgent care claims and pays the next business day. No loans, no personal guarantee, no workflow change.