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Self-Insured Employer Benefits

Stop paying a
tax on every
claim.

Every percentage-based platform fee and card interchange charge grows directly with the cost of your employees' care. My Patient Fund™ replaces that model permanently — flat rate, sponsor-funded, closed-loop payment infrastructure that puts your plan dollars to work for your employees.

Schedule a Setup Call → See the Problem
0%
Card Interchange
100%
EFT to Provider
Flat
Rate — Always
The Problem

Three ways the status quo
drains your plan.

Legacy platforms were built when percentage-based fees seemed reasonable. Today they're a hidden tax that scales every time your employees need care most.

3–8%
You pay more when claims are larger
A $25,000 surgical claim costs $750–$2,000 in platform fees alone — 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.
MPF™: flat fee regardless of claim size
02
Providers Are Taxed to Get Paid
When a plan pays its providers by virtual or prepaid card instead of EFT, the provider is charged 3–5% just to receive money that was already sent. None of that comes back to your plan as savings — the card processor keeps it, and in many arrangements the payer collects a rebate on top. Pay the same claim over EFT and it costs pennies, with the full amount landing in the provider's account.
MPF™: providers paid 100% by EFT — zero interchange skimmed
03
No audit trail, no accountability, no proof
ERISA plans 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 regulators and boards now demand.
MPF™: real-time 835 ERA + full audit trail — automatic
How It Works

My Patient Fund™ —
flat rate, closed-loop,
complete control.

1
Account Setup
Fund FBO Account
ACH or wire into a dedicated FBO sub-account at our FDIC-insured banking partner, titled in your company's name. Benefit rules set. Flat per-transaction fee — same cost regardless of claim size. MPGI never takes custody of funds.
2
Member Credential
Employee Presents MPF™ Patient ID
Digital Patient ID on employee's phone shows Payer ID: FUNDS. Presented at any provider like an insurance card. Not a payment card. No upfront cash required.
3
EDI Claim
Provider Submits 837P or 837I
Standard HIPAA claim through provider's existing clearinghouse to Payer ID: FUNDS. Same workflow as any other payer. No new enrollment. No new technology.
4
Payment
Banking Partner Executes EFT to Provider
MPF™ Claim Rules Validator scrubs the claim against sponsor-defined Rules and issues payment instruction. Banking partner executes EFT/ACH directly to provider's bank account — 100% of approved amount. 835 ERA returned via clearinghouse.
5
Reporting
Real-Time Dashboard — PHI Never Disclosed
Live FBO balance, claims activity, payment history by service category and provider type. No diagnosis codes, no clinical details — financial data only per HIPAA architecture.
Medical office reception
Quick Reference — Payer ID: FUNDS
Payer IDFUNDS
Claims837P · 837I · 837D
ClearinghouseAll major clearinghouses — Office Ally, Gateway EDI, Change Healthcare, Optum, Availity, Trizetto, Waystar, and more
Remittance835 ERA
Payment RailEFT/ACH — Zero Interchange
Fund CustodyFDIC-Insured FBO
ERISA & Compliance

Built for the scrutiny
your plan already faces.

Self-insured employer health plans run under ERISA, which makes every payment decision a fiduciary act. My Patient Fund™ was built with that in mind from the start, rather than bolted on afterward.

"The best fiduciary control is one that makes the wrong behavior architecturally impossible — not just against plan policy."

🏦
FBO — Not an Operating Account
Plan funds sit at an FDIC-insured banking partner in a dedicated FBO account, kept structurally separate from operating money — which is exactly what ERISA's fiduciary standard asks for.
📊
Real-Time Audit Trail
Every payment is documented as it happens, and the record exports cleanly for an ERISA audit, a DOL examination, or a board review. There's nothing to reconstruct after the fact.
🔐
HIPAA by Architecture
The employer never sees PHI. The dashboard shows the financial side only — amount, date, service category, provider type — and nothing clinical.
⚡
835 ERA on Every Claim
Every claim returns a standard Electronic Remittance Advice, giving you an unbroken documentation chain from the 837 submission through to EFT settlement.
HR Professional reviewing benefits
Who It Serves

Which employers deploy
My Patient Fund™?

Any employer with a self-insured, level-funded, or reference-based pricing plan benefits from sponsor-funded, closed-loop payment infrastructure.

Use Case 01
Mid-Market Self-Insured (50–5,000 Lives)
Mid-market employers carry the full cost of claims — making percentage-based platform fees most damaging at this size. My Patient Fund™ delivers institutional-grade payment infrastructure at a flat rate.
Eliminate percentage fees on every claim
Per-employee FBO accounts — no commingling
Complete audit trail, built automatically for ERISA reporting
Use Case 02
Reference-Based Pricing Plans
Employers on reference-based pricing can pair MPF™ to replace check-cutting and card programs with direct EFT — faster provider payment, zero interchange, complete audit trail.
Replace checks with direct EFT to providers
Standard 837/835 EDI — no new clearinghouse
Real-time balance and payment dashboard
Use Case 03
TPA-Administered Multi-Employer Plans
TPAs deploying My Patient Fund™ across employer clients manage all plan sponsors from one console — each employer gets a dedicated, segregated FBO sub-account.
One TPA console — all plan sponsors
Payer ID: FUNDS across all participating groups
Consolidated reporting with per-employer drill-down
Side by Side

MPF™ vs. legacy employer
payment approaches.

How My Patient Fund™ compares to benefit debit cards, virtual card / HRA platforms, and HSA/FSA-only models.

Capability My Patient Fund™ Benefit Debit Card Virtual Card / HRA HSA / FSA Only
Fee modelFlat per claim2.5–3.5% interchange3–8% per claimAdmin + custodial
Payment railEFT direct — 100%Card network deductionsVirtual card or checkMember reimburses
Claims workflow837P/I · 835 ERACard swipe onlyManual portalReceipt-based
FDIC custodyFBO per employerCard issuerPlatform operating acctHSA trustee
Audit trailReal-time automaticCard statements onlyRetroactive reportsMember receipts
HIPAA PHI protectionArchitecturalMCC filtered onlyPolicy-dependentReceipts exposed

⚠ My Patient Fund™ is not health insurance and does not constitute ACA MEC. Employers should consult qualified benefits counsel regarding ACA obligations.

Ready to stop paying a
tax on every claim?

My Patient Fund™ is a sub-clearinghouse built for out-of-pocket care — the unique HIPAA-compliant proof-of-payment rail that eliminates percentage fees for employers and card interchange for providers. Both sides win. Flat rate. Closed loop. Complete control.

Payer ID: FUNDS  ·  FDIC-Insured Banking Partner  ·  837P / 837I / 837D  ·  EFT Direct to Provider
Schedule a Setup Call →