Financing options for all patients helps offset the meteoric rise in self-pay balances.


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.

At admission, 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:

  • Sustaining Day-to-Day Operations
  • Working Capital Related to Reimbursement
  • Capital Needs
  • Business Unit Funding
  • Maintaining Debt Service Covenants

Upcoming Events

Learn more about the WE CARE Patient Payment Program at upcoming conferences. You can contact us to set up a meeting or just find us there.

  • October 4-6, 2017 - New Jersey HFMA Annual Institute - Atlantic City, NJ
  • October 18-20, 2017 - Annual HFMA Region 2 Fall Institute - Verona, NY
  • October 18-20, 2017 - Tennessee HFMA 2017 Fall Institute - Gatlinburg, TN
  • October 22-24, 2017 - HFMA’s Revenue Cycle Conference (MAP Event) - Orlando, FL
  • November 5-7, 2017 - HFMA Region 9 15th Annual Conference - New Orleans, LA
  • November 13-15, 2017 - Becker’s Hospital Review 6th Annual CEO + CFO Roundtable - Chicago, IL
  • January 17-19, 2018 - HFMA Mid-South Institute - Memphis, TN
  • February 25-28, 2018 - 2018 HFMA Region 5 Dixie Institute - Tampa, FL
  • May 3-6, 2018 - NAHAM 44th Annual Conference - Denver, CO
  • May 9-11, 2018 - Georgia HFMA Spring Institute - Lake Oconee, GA
  • June 24-27, 2018 - ANI 2018 Conference - Las Vegas, NV


Here you can find frequently asked questions about the WE CARE Patient Payment Program from Medfinancial. If you are a patient interested in financing your medical expenses through the WE CARE Patient Payment Program, please note that your provider must be participating in the program before you can apply. Please contact us with any additional questions.

Who is Medfinancial?

An affiliate of Edfinancial Services, Medfinancial focuses on patient engagement. We are convinced that our WE CARE® Patient Payment Program will be the best option for both the provider and the patient. Medfinancial is located at 298 North Seven Oaks Dr. Knoxville, TN 37922.

How difficult is the approval process?

Simple - have the patient sign an application and they are approved.

Can a patient sign up individually?

No, patients must be seeking treatment at a participating facility.

Is this a recourse program?

Yes, a patient will default if he or she misses three consecutive payments. The account will be returned to the provider.

What payment options does the patient have?

We offer repayment terms between 12-60 months based on patient balance and at zero interest or 7.25 APR.

What type of assurances does the provider have that the patient will be treated with respect?

Medfinancial has the most up-to-date call center located on site, and with our monitoring technology, the quality assurance is paramount. Customer service is the key to a successful program.

As a provider, will we be given marketing materials and staff training?

Absolutely, all marketing collateral will be provided at no cost to the provider. And training is the key to patient engagement so the provider can expect not only on-site training but on going webinar training. It is key to knowing our customers from the CFO to the registrars.

What type of correspondence should our patients expect?

All patients will be a part of a very thorough workflow process that will include letters and calls to ensure that your patients stay in good standing and fulfill their obligation.

What are the major benefits to someone signing up with the WE CARE® Patient Payment Program?

Without a doubt, first and foremost, a higher collection rate based on several factors; secondly, less demand on the staff, allowing for reallocated duties; and finally, upfront funding to fund new initiatives that the provider may have.

Get patient self-pay under control. Contact us today.