Patient billing complaints are the visible edge of a revenue-cycle problem, and the dollars leak upstream of the complaint. We are a payments firm. We own the patient-payment processing behind the bill, bundle financing and treasury around it, and instrument the rest so the leakage becomes visible and recoverable.
The problem
Patient responsibility has climbed for a decade, and the patient is a slower, more default-prone payer than the payer was. Collectible balances age into bad debt, denials get written off instead of worked, underpayments go uncaught, and the patient-pay experience suppresses payment it should be converting. None of it shows on the surface until the complaints arrive, and by then the dollars are already leaking.
The layer you can change without touching Epic
Epic Resolute runs the billing and MyChart presents the bill, but the card processor behind MyChart Bill Pay is a separate, swappable vendor contract. That layer sets the rate, the patient-pay conversion, and where the volume settles. You do not touch the EHR to change it. We favor a processor-agnostic, Epic-certified gateway so the volume can settle to the right acquirer at the right rate, instead of a closed bundle that keeps the entire margin.
The four levers
- Patient-payment experience. Clearer statements, card-on-file, digital wallets, text-to-pay. Convert collectible balances before they age.
- Financing at the moment of the bill. A partner pays the provider upfront, non-recourse, and collects from the patient over time. Collection up, bad debt down, no discounting and no collections agency.
- Processing economics. Interchange qualification, debit routing, and the effective rate on patient card volume, re-bid on rails we operate.
- Instrumentation. Surface where denials, underpayments, and coverage gaps leak so the right revenue-cycle partner can work them. The full leak map takes an RCM partner alongside the payments work; we are honest about that line.
The EBITDA case
Every dollar of processing cost removed and every point of net collection recovered drops to EBITDA, and at a sponsor-backed group EBITDA carries a multiple. Recovered margin is worth its run-rate times the multiple in enterprise value, captured before any transaction and on your own clock. We bring a quantified case, not a rate quote, because for a finance leader the point is not cheaper processing, it is value created and defensible in diligence.
Who we serve
Multispecialty medical groups, health systems, and sponsor-backed provider organizations on Epic or comparable EHRs. We own the patient-payment processing, bundle financing and treasury around it, and partner with revenue-cycle specialists where the full picture calls for it.