How It Works Who We Serve Platform For Providers Get Started →
Sub-Clearinghouse  ·  Payer ID: FUNDS

My Patient Fund™
has closed the loop
on the healthcare
payment system.

The first HIPAA-compliant, closed-loop payment rail purpose-built for healthcare cash-pay claims. Employers and TPAs fund accounts. Providers get paid 100% via EFT. No card network. No interchange. No percentage fees. Direct payment.

Get Started → See How It Works
100%
EFT to Provider
0%
Card Interchange
Flat
Rate Always
837
Standard HIPAA Claim
Payer ID
FUNDS
Sub-Clearinghouse Built for Cash-Pay
Payer ID: FUNDS
837P · 837I · 837D All Claim Types
835 ERA Automatic Remittance
EFT/ACH Direct to Provider
FDIC-Insured FBO Accounts
The Numbers

The payment rail that puts
every dollar to work.

0%
Card Interchange. Ever.
No card network is used anywhere in the MPF™ payment rail. All payments execute via EFT/ACH direct to the provider's bank account. The provider receives every dollar of every approved claim.
100%
EFT Direct to Provider
100% of every approved claim amount reaches the licensed provider. Not 97 cents. Not 94 cents. One hundred cents on the dollar — via direct electronic funds transfer, every time.
Flat
Per-Transaction Fee. Always.
The same fee regardless of claim size. No percentage-based model. No conflict of interest where the platform earns more when your employees need more expensive care. Predictable. Fair. Aligned.
How It Works

Five steps from
account funding to
provider payment.

My Patient Fund™ operates within standard HIPAA 837/835 clearinghouse infrastructure. Providers submit the same claim they file every day — to Payer ID: FUNDS. What happens on the other side is where MPF™ is different.

1
Account Setup
Sponsor Funds Dedicated FBO Account
Account sponsor deposits via ACH or wire into a dedicated FBO sub-account at our FDIC-insured banking partner — titled in the sponsor's name. Sponsor retains beneficial ownership. MPGI never holds funds.
2
Patient Credential
Beneficiary Receives MPF™ Patient ID
Enrolled beneficiaries receive a digital MPF™ Patient ID — a routing identifier presented at point of care. Not a payment instrument. Does not store value. Connects the visit to the sponsor's FBO account.
3
Point of Care
Patient Shows ID — Staff Does the Rest
The patient presents their Patient ID at check-in. The provider's billing staff submits a standard 837 claim through their existing clearinghouse to Payer ID: FUNDS. No new technology. No new enrollment required.
4
Payment
Banking Partner Executes EFT — 100% to Provider
MPGI scrubs the claim against the sponsor's payment Rules. Banking partner pays the provider 100% via EFT. Zero card interchange. Zero deduction. A 835 ERA is returned to the provider via clearinghouse automatically.
5
Reporting
Real-Time Dashboard — PHI Never Disclosed
Sponsor dashboard updates in real time — live FBO balance, claims paid, service categories. PHI never disclosed to sponsors. HIPAA-compliant by architecture.
Healthcare team
EDI Quick Reference — Payer ID: FUNDS
Payer IDFUNDS
Claims837P · 837I · 837D
ClearinghousesOffice Ally · Gateway EDI · Change · Optum · Availity · Trizetto · Waystar
Remittance835 ERA — automatic
PaymentEFT/ACH direct to provider
InterchangeZero
Who We Serve

One payment rail.
Every account sponsor type.

Any organization that funds healthcare for others — employers, TPAs, foundations, or individuals — benefits from a closed-loop payment rail that guarantees every dollar reaches a licensed provider.

Self-Insured Employers
Stop paying a tax on every claim.
Flat rate replaces percentage fees. Every dollar tracked. complete audit trail — exportable for ERISA reporting. Providers receive 100% via EFT.
Third-Party Administrators
Built for TPA scale.
One console. Every plan sponsor. Programmatic rule enforcement. Multi-sponsor reporting. Co-branded with My Patient Fund™.
Foundations & Non-Profits
Every dollar raised becomes care.
Grant dollars can only exit via validated provider claims. IRS 990-ready. Real-time board and donor dashboard. Structural proof.
Healthcare Crowdfunding
Donors give. Care actually happens.
Donations go into a dedicated FBO account. The only exit is a validated provider claim. Real-time donor confirmation. Zero cash diversion risk.
Direct-Pay & DPC
The missing layer in every direct-pay stack.
DPC covers primary care. MPF™ covers every specialist referral. Sponsor-funded. Provider-direct. Insurance optional.
Get Started
Schedule a setup call.
Ready to learn more? Schedule a setup call with the My Patient Fund™ team. We’ll walk you through the platform, answer your questions, and get you started.
info@mypatient.global →
The Platform

A sub-clearinghouse built
for cash-pay claims.

My Patient Fund™ is not a benefit card program. Not a reimbursement platform. Not a stored-value product. It is a sub-clearinghouse operating within standard HIPAA 837/835 infrastructure — with a closed-loop payment rail that guarantees provider payment and sponsor accountability simultaneously.

"My Patient Fund™ is the first HIPAA-compliant, closed-loop payment rail purpose-built to move sponsor dollars directly to licensed providers."

Employer Saves
Flat per-transaction fee — same cost regardless of claim size. No percentage fees. No conflict of interest.
Provider Receives
100% of every approved claim via direct EFT — zero card interchange deducted. Every dollar intact.
Healthcare technology
For Providers & Billing Offices

Nothing new.
Same 837 you file
every day.

Any licensed provider that submits electronic claims can receive My Patient Fund™ payment immediately — no enrollment, no credentialing, no new technology. Submit your standard 837 to Payer ID: FUNDS through your existing clearinghouse.

My Patient Fund™ is connected to all major U.S. clearinghouses — Office Ally, Gateway EDI, Change Healthcare, Optum, Availity, Trizetto, Waystar, and more. The 835 ERA is returned to your clearinghouse automatically. EFT to your bank account within 1–3 business days after payment rules are applied.

providers@mypatient.global →
Provider with tablet
Provider Reference — Payer ID: FUNDS
Payer IDFUNDS
Accepts837P · 837I · 837D
Remittance835 ERA — automatic
Settlement1–3 business days after rules applied
EnrollmentNot required
Contactproviders@mypatient.global

Ready to close the loop
on your healthcare payments?

Whether you are a self-insured employer, TPA, foundation, DPC practice, or direct-pay provider — My Patient Fund™ has the payment infrastructure that makes it work.

Payer ID: FUNDS  ·  FDIC-Insured Banking Partner  ·  EFT Direct to Provider  ·  HIPAA-Compliant by Architecture  ·  mypatient.global
Schedule a Setup Call → TPA Inquiries Provider Questions