Healthcare
Payer-level AR intelligence, claims-backed factoring, malpractice and workers comp on verified clinical payroll, and embedded patient financing — built for the realities of healthcare cash flow.
For healthcare finance teams
Healthcare AR sits in a different reality from other industries — insurance reimbursements take 30 to 90 days, payer mix drives collection rates, and denial rates differ by carrier. Theorem's AR module holds payer-level aging, denial rates, and historical collection rates by insurance carrier, making invoice factoring underwritable at the payer level — something paper-based factoring companies can't do.
Workers comp and malpractice underwrite on verified clinical payroll. Benefits feeds for large clinical and administrative workforces dispatch via EDI 834 without manual file exports. Patient financing embeds into the payment workflow at point of service.
Value
Three pillars
Built for healthcare cash flow.
Long payer cycles, embedded patient financing, clinical workforce compliance — handled in one platform.
Payer-Level AR Intelligence
AR aged by payer with denial rates, historical collection rates, and DSO trends per carrier. Factoring offers underwrite on payer-level data — something paper-based factors cannot replicate. Cash advances same-day on eligible AR.
Patient Financing, Embedded
Out-of-pocket balances surface installment plan offers at point of service. KYC, credit decisioning, and disbursement happen inline. Repayment auto-debits without staff intervention.
Clinical Workforce, Compliant
Workers comp and malpractice underwrite on verified clinical payroll by class. EDI 834 benefits feeds dispatch to carriers automatically. Multi-state and shift-differential payroll handled without manual exports.
Agents in action
Healthcare finance, end to end.
Agents that monitor payer AR, advance against eligible claims, embed patient plans, and file clinical workforce compliance — with full audit trails on every event.
From claim to cash to plan
A 45-day-aged claim triggers payer-level eligibility, factoring advance, and patient-financing agents that resolve in parallel — cash bridged, plan embedded.
Payer intelligence that compounds
Every claim, denial, and collection feeds back into payer-level pricing and underwriting.
Encode payer mix, denial codes, collection cycles, and clinical class codes into structured signals.
Tune factoring offers and patient financing to your payer panel and patient demographics.
Advance AR, embed plans, file workforce compliance with full audit logging.
Each collection cycle and renewal sharpens advance rates and insurance pricing.
Bridge the payer gap.
See how Theorem turns payer-level AR into same-day cash and embedded patient plans.