Behavioral Health Billing Cash Flow

Behavioral health practices carry some of the longest receivable cycles in healthcare. Mental health, ABA, psychiatry, and telehealth providers routinely wait 60 to 90 days on payers while prior authorization, parity reviews, and documentation requests hold claims in adjudication. Payroll for therapists and RBTs runs every week or two, so the gap between delivering care and collecting on it becomes a working-capital problem long before a claim is ever paid or denied.

Copay closes that gap by purchasing your eligible behavioral health claims at the service line and paying the next business day. Because it is a non-recourse purchase of receivables and not a loan, the capital adds no debt to your balance sheet and carries no personal guarantee, and if an eligible purchased claim is later denied, that loss sits with Copay. Your billing team keeps submitting 90837 psychotherapy sessions and diagnostic evaluations exactly as they do today, with no change to your workflow and no payer notification.