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My Patient Fund™  ·  Healthcare Payment Infrastructure

Sponsor-funded.
Closed-loop.
Provider-direct.

My Patient Fund™ has closed the loop on the healthcare payment system. Employers, TPAs, and foundations fund accounts. Providers get paid 100% via EFT — no prepaid cards, no slow reimbursements, no percentage fees taken off the top. Direct payment.

See Who It Serves How It Works
9:41
My ID +
My Credentials
My Patient Fund™
Member
Jane M. Patient
Status
Active
Healthcare ID only · Not insurance · Not a payment card
☕
Rewards App
Loyalty Card
💸
Early Wage Access
Pay Account
$0
Provider fees — ever
100%
Of approved claim paid via EFT
Flat ✓
Rate per clean claim — payer pays
FBO
FDIC-insured banking partner · MPGI never holds funds

NOT INSURANCE · NOT A BANK — My Patient Fund™ is a healthcare payment platform · FBO accounts custodied at an FDIC-insured banking partner · © 2026 My Patient Global INC.

The Problem

Healthcare funding is broken
before the patient gets care.

Every current model — percentage-based platforms, prepaid cards, reimbursement accounts — has the same fundamental flaw: funds are not structurally guaranteed to reach a licensed provider.

01
Every Platform Profits When Claims Grow Larger
Percentage-based fees charge 3–8% per claim. A $25,000 surgical claim costs your plan $750–$2,000 in fees — not because the platform did more work, but because the claim was larger. Your vendor earns more every time your plan costs more. That is a structural conflict of interest baked into every legacy platform.
MPF™: flat fee regardless of claim size
02
Providers Are Taxed to Get Paid
When insurers and payment companies pay providers with virtual or prepaid cards instead of EFT, the provider is charged 3–5% in processing fees just to receive their own money — silently shrinking the contracted rate they already negotiated. That same payment over EFT costs pennies. And the card isn't for the provider's benefit: the intermediary often earns a rebate on every transaction, turning provider payment into someone else's revenue stream.
MPF™: providers keep 100% — paid via EFT, zero interchange skimmed
03
No Audit Trail, No Accountability, No Proof
ERISA plans, federal grant recipients, foundations, and crowdfunding campaigns all need to prove healthcare funding reached healthcare delivery. Monthly card statements and self-submitted receipts are not proof. They are promises. The current infrastructure cannot generate the documentation that regulators, boards, and donors now demand.
MPF™: real-time 835 ERA + full audit trail — automatic
How It Works

One platform. Four steps. Every use case.

The underlying payment architecture is identical regardless of who funds the account — an employer, a TPA, a foundation, or a crowdfunding campaign.

01
Account Holder Funds FBO
Employer, TPA, foundation, or crowdfunding campaign deposits funds into a dedicated FBO account at our FDIC-insured banking partner, titled in the account holder's name. Benefit rules defined. Interest earned from day one. MPGI never takes ownership, custody, or control of client funds at any time.
02
Beneficiary Presents My ID
Employee, plan member, foundation beneficiary, or crowdfunding patient presents their My ID — a routing identifier that stores no value — at point of care. Provider sees Payer ID: FUNDS. No new credentialing, no new software, no new workflow required on the provider side.
03
Provider Submits Standard 837
Provider submits standard 837P, 837I, or 837D through their existing clearinghouse — Office Ally, Availity, Change Healthcare, Waystar, or Trizetto. Eligibility verifiable via 270/271 before the visit. Standard HIPAA 5010 rules apply.
04
Provider Paid 100% via EFT
Full approved amount EFT'd directly to the provider bank account on Claim Rules Validator processing. 835 ERA returned through clearinghouse on payment date. Account holder dashboard updated in real time. Every payment logged automatically. Full audit trail from deposit to care.
Payer ID: FUNDS  — Supported Clearinghouses
Office Ally Availity Change Healthcare Waystar Trizetto / Cognizant
The Credential

Meet My ID.

My ID is the member's routing identifier — it stores no value and is not a payment card. Members add it to Apple Wallet or Google Wallet, or carry the physical card. Present it at any provider and they see Payer ID: FUNDS — no new credentialing, no new software.

9:41
My ID+
My Credentials
My Patient Fund™
Member
Jane M. Patient
My ID
FND 1004 8229 1
Status
Active
Healthcare ID only · Not insurance · Not a payment card
☕
Rewards App
Loyalty Card
💳
Transit
Metro Pass
Wallet pass · Apple & Google Wallet
Healthcare ID
Active
Member
Jane M. Patient
My ID
FND 1004 8229 1
Payer ID
FUNDS
Member Since
2026
Not insurance · Not a bank · Not a payment card · Routing identifier only
Physical card
Who It Serves

The same infrastructure.
Every funding source.

My Patient Fund™ was built for every organization that funds healthcare and needs to guarantee those funds reach care.

Audience 01
Self-Insured Employers
Replace 3–8% percentage-based fees and card interchange with flat-rate, sponsor-funded, closed-loop payment infrastructure. Every dollar tracked. PHI never disclosed. Float credited back monthly.
Learn more
Audience 02
Third-Party Administrators
One console. Every plan sponsor. Administer multiple self-insured plans, enforce benefit rules programmatically, and deliver real-time audit trails — powered by My Patient Fund™ infrastructure.
Learn more
Audience 03
Non-Profits & Foundations
Ensure every grant dollar reaches a licensed provider — verified, documented, HIPAA-compliant. Structural False Claims Act protection. Real-time donor and board dashboard. Float often offsets fees entirely.
Learn more
Audience 04
Healthcare Crowdfunding
Close the loop on donated healthcare dollars. Contributions flow into a custodial FBO account — one exit: a validated provider claim. Donors receive real-time proof their gift reached care. PHI never disclosed.
Learn more
Audience 05
Specialty & SCA Networks
Infusion, behavioral health, air ambulance, dialysis — networks paying single-case agreements move off manual, paper processing onto the same electronic rail. Providers submit a standard 837 and are paid 100% via EFT.
Learn more
Platform Proof

The infrastructure behind
every guarantee.

Three architectural facts that no percentage-based platform, prepaid card, or reimbursement model can match.

$
$0 Provider Fees — Ever
MPGI charges its flat transaction fee to the account holder only. The provider receives 100% of every approved claim via direct EFT. No card interchange deducted. No percentage withheld. 100% means 100%.
L
Closed-Loop by Architecture
Funds held at our banking partner can only exit through a validated provider claim submitted via standard clearinghouse. No cash withdrawals. No card network. No override. The guarantee is structural — not a policy that can be waived.
H
HIPAA Compliant by Architecture
Patient clinical information — diagnosis codes, treatment plans, procedure details — never surfaces in employer, foundation, or donor reporting. Payment data only flows to account holders. PHI stays between patient and provider. Compliance is structural.
The Shared Ledger

One record.
Every party's view.

Because the rail is closed-loop, every claim, validation, and payment lands on a single ledger — never reconciled across systems that disagree. Sponsor, provider, and patient each open their own window on the same record, and no one sees more than their role allows. PHI never reaches the sponsor.

Request a Demo

See a live claim move through the ledger end to end — sponsor, provider, and patient views on one record. We'll walk your team through it.

Get Started

One platform.
Every client type.
Every dollar to care.

Whether you are a self-insured employer replacing percentage-based fees, a TPA building a scalable multi-sponsor platform, a foundation that needs verifiable grant accountability, or a crowdfunding campaign where donors deserve proof — My Patient Fund™ is the same closed-loop payment infrastructure.

Contact MPGI
Not Insurance
My Patient Fund™ is not a health insurance product, not a bank, and does not constitute ACA Minimum Essential Coverage (MEC). MPGI does not assume insurance risk and is not regulated as an insurance carrier. My Patient Global INC. works with FDIC-insured banking partners to hold all funds in dedicated FBO sub-accounts — MPGI never takes custody of client funds.
FBO at Our Banking Partner
All funds held at our FDIC-insured banking partners in dedicated FBO sub-accounts titled in the account holder's name. MPGI never takes ownership, custody, or control of client funds at any time.
HIPAA Compliant by Architecture
PHI is never disclosed to non-clinical parties — employers, foundations, donors, or TPAs. Payment data only. Clinical information stays between patient and provider.
Provider Receives 100%
MPGI's flat transaction fee is charged to the account holder only. Providers receive 100% of every approved claim via direct EFT. No card fees. No percentage deducted. Ever.