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Give your patients another option...

The WE CARE® and WE CARE Plus Patient Payment Programs are designed with the patient, the provider and the community at the forefront. Medfinancial will build a partnership that begins with a strong awareness of the importance of patient engagement.

Providers can improve cash flow and reduce costs by offering patients a more convenient and reliable way to manage their self-pay medical expenses.

Providers struggle with managing and collecting the self-pay portion of patients' healthcare bills.

At the time of service or during financial clearance, instead of asking patients to select either "pay upfront" or "bill me later" for out-of-pocket expenses, provider registrars can introduce patients to a third financing option, the WE CARE Patient Payment Program. By partnering with Medfinancial, providers can offer patients a convenient, stress-free way to finance their out-of-pocket medical expenses with greater peace of mind.

Today, consumers are responsible for a much greater share of their healthcare costs, paying higher deductibles than ever before. As a result, providers struggle with managing and collecting the self-pay portion of patients' healthcare bills.

Maintaining and improving cash and liquidity levels in healthcare takes on increased importance for numerous reasons, including:

  • A/R - Key Performance Indicators
  • Once established, we collect > 95% of all payment arrangements on average
  • Sustaining Day-to-Day Operations
  • Working Capital Related to Reimbursement
  • Capital Needs
  • Business Unit Funding
  • Maintaining Debt Service Covenants
  • Your Patient's Credit Score Improvement

Wondering if we could be a good fit for your hospital or care service? Send Us an Email. 

Let us help YOUR patients and your KPI's because WE CARE.

WE CARE Payment Programs

WE CARE is the program with upfront funding to the providers for patients and families with cumulative balances over $500 and a minimum payment requirement. WE CARE is the program with upfront funding to the providers for patients with cumulative balances over $500 and a minimum payment requirement.


  • Patients at a participating provider
  • All patients are accepted into the WE CARE Patient Payment Program


  • Patient cumulative balances from $500 - $15,000*
  • Maximum aggregate limit of $15,000*
*over $15,000 requires additional approval
No income or credit check required


  • No prepayment penalties.
  • A simple and easy to read consolidated statement for all visits and family members.
  • Access to a patient portal for account activation, review and electronic payments.
  • Experienced Medfinancial Financial Advocates to answer any questions Monday through Thursday, 8:00 a.m. to 7:00 p.m. EST, and 8:00 a.m. to 6:00 p.m. EST on Friday.

Interest Rate

  • The 12-month repayment plan is guaranteed interest free for all patients.
  • Dependent on your choice you can offer your patients zero-interest payment plans for 24, 36, 48 and 60 months or choose to have low interest-bearing terms.


WE CARE Plus is the new addition in our family of products and designed to provide a turn-key solution to the providers. WE CARE Plus is for the patients with low balances or patients who cannot meet a minimum payment requirement. There is no upfront funding to the provider.

Providers can choose a funded program only or the combination of the programs. The benefits of implementing both programs:

  • One call resolution for the provider and patient (Warm Transfer Option is available!)
  • Alleviate administrative burden for the provider
  • Fewer vendors
  • Higher collection rates

WE CARE and WE CARE Plus patients enjoy the same convenient repayment options and dedicated customer service. The program differences are transparent to the patients.

Our experienced Financial Advocates will help patients decide which program works best for them.

Medfinancial gives providers an advantage in managing the rising cost of health care.

Once the patient pays their first installment, Medfinancial sends the healthcare provider payment for the full amount the patient owes, minus a service fee.

When compared to collection agencies or the cost of managing patient receivables through a provider's business office, Medfinancial rates are quite affordable. Furthermore, we take care of contacting, corresponding and collecting from the patient in a way that makes them feel valued, respected and understood, as these are YOUR patients and WE CARE.

Provider Advantages

  • Upfront funding to the provider.
  • Alleviates pressure on registrars and financial advocates to collect from patients.
  • Improves cash flow and self-pay A/R balances.
  • Streamlines patient payment options and assures easier reporting.
  • Eliminates the need for internal payment plans
  • Reduces patient stress and fosters goodwill in the community.
  • Provides a seamless interface to the provider's patient accounting system.
  • Secure portal for provider retrieval of reports (customized reporting available for each provider).
  • No start up fee; all collateral provided by Medfinancial.
  • Assurance that experienced and compassionate client relations managers are assisting your patients.
  • 100% HIPAA compliant!
  • Medfinancial can offer to assume all existing self-pay accounts receivable to further streamline collection efforts, and improve your active A/R KPI's.
  • Medfinancial provides a thorough collection process with patient engagement and respect.
PO Box 32489 • Knoxville, Tennessee 37930 • 855.PAY.MEDX
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