Cash-pay to in-network, in every state, without hiring a billing department.
Accept insurance as a virtual care company without building the five teams it usually takes. Your board is asking about TAM; competitors already take insurance. Go cash-pay to in-network telehealth in every state, and own the result.
Three signals that it is time
Cash-pay TAM has a ceiling
Most of the market pays with a card they already have: their insurance card. Every month you stay cash-only, you buy the same patients at a higher CAC.
Insurance takes quarters unless it takes weeks
New contracts take quarters. Roster-adds to contracts that exist take weeks. The difference is whether you launch this quarter or next year.
Diligence will ask who owns the contracts
Investors know what network rental means. The right answer is that you launched on rental and own the contracts now.
Week 1 to month 12
Enroll under our contracts. Form your PC.
- Clinician rosters submitted to our payer contracts
- Your PC formed in launch states, physician owner matched
- Eligibility API keys and sandbox issued to your engineers
You are billing in-network.
- Eligibility runs at booking, copay shown before the visit
- Claims go out under our PC, we carry the claims risk
- Statements show contracted rate and platform fee separately
Your PC is contracted with its first payers.
- Commercial contracts executed in your entity's name
- Clinicians credentialed under your PC
- New visits with those payers route to your PC
Majority of volume on your own contracts.
- Rates, renewals, and payer relationships are yours
- Platform fee steps down as volume migrates
- Diligence question answered: you own the asset
For founders doing this for the first time
When to accept insurance
Seven signals and a scoring table.
The two-phase plan
Add insurance without cratering conversion.
The five workstreams
Which ones you should never build.
Questions, answered
We are cash-pay today. Where do we start?
Pick the 3 to 5 states with the most covered lives among your patients and clinicians. We roster-add those clinicians under our contracts, turn on eligibility at booking, and keep cash-pay as the fallback path. Your own PC forms in the same states at the same time.
Will adding insurance hurt our booking conversion?
It hurts when the insurance step asks for a card upload and a wait. It helps when a soft check at booking tells the patient they are covered and what the copay is. The commonly cited lift is 2 to 5x on the insurance path.
Do we need to hire anyone?
No. Contracting, credentialing, eligibility, coding, and denials are all delivered. You keep one ops owner as the point of contact.
What will our Series B diligence see?
Insured revenue billed under an entity you control, payer contracts in your name, and a vendor you could replace without relaunching. That is the point of doing both tracks.
Launch in your top states this quarter.
Tell us your states, clinicians, and codes. We map the first 90 days and the migration after it.