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Third-Party Administrator Program

Built for
TPA scale.

One platform runs every plan sponsor in your book. Administer patient-level FBO accounts, enforce each sponsor's benefit rules programmatically, and hand boards a real-time audit trail across the whole portfolio — all co-branded with My Patient Fund™.

Schedule a TPA Call → See the Platform
1
Console — All Sponsors
Flat
Rate — Every Claim
100%
EFT to Provider
The Problem

Three ways legacy platforms
cost your sponsors — and you.

Every plan sponsor you administer is carrying fees that grow with healthcare costs. When they notice, they look for alternatives. My Patient Fund™ makes you the alternative.

3–8%
Percentage fees punish high-cost claims
Legacy platforms charge a percentage of each claim — meaning your plan sponsors pay more when employees need expensive care most. A $40,000 claim costs $1,200–$3,200 in platform fees alone. That's not administration. That's a tax.
MPF™: flat fee regardless of claim size
02
No structural accountability for plan sponsors
Card programs and reimbursement platforms cannot prove a single dollar reached a licensed provider. Your plan sponsors face ERISA scrutiny — they need documentation that current platforms were never designed to produce.
MPF™: 835 ERA + full audit trail on every claim
03
Multi-sponsor management is a spreadsheet problem
Managing benefit debit cards and reimbursement accounts across dozens of plan sponsors means reconciling statements, chasing receipts, and rebuilding audit trails retroactively. There is no infrastructure — just administrative overhead.
MPF™: one console, all sponsors, real-time
How It Works

My Patient Fund™ —
one workflow across
every plan sponsor.

1
Sponsor Onboarding
Dedicated FBO Sub-Account per Sponsor
Each plan sponsor gets a dedicated, segregated FBO sub-account at our FDIC-insured banking partner. Benefit parameters, service eligibility, and member enrollment configured at setup. Fully co-branded with your TPA.
2
Funding
Plan Sponsor Funds via ACH or Wire
You control funding cadence and low-balance alerts. Contribution schedule set per sponsor. Flat per-transaction fee — same cost regardless of claim size. MPGI never takes custody of funds.
3
Member Experience
Members Present MPF™ Patient ID at Care
Digital Patient ID on member's phone displays Payer ID: FUNDS. Presented at any licensed provider — specialist, hospital, surgery center, or dental office. No cash required at point of care.
4
Claims & Payment
837 Claim → EFT to Provider — Automatic
Provider submits standard HIPAA 837 to Payer ID: FUNDS via existing clearinghouse. MPF™ Claim Rules Validator scrubs the claim against sponsor-defined Rules, banking partner executes EFT directly to provider. 835 ERA returned automatically. Zero manual intervention.
5
Reporting
One Console — All Sponsors, Real-Time
Your TPA dashboard shows every plan sponsor — FBO balances, claim activity, payment history, and per-employer drill-down. PHI never disclosed. Financial data only per HIPAA architecture.
TPA administrator reviewing plan data
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
SponsorsUnlimited — One Console
Why TPAs Choose MPF™

Built for TPA operations.
Not retrofitted.

Every feature of My Patient Fund™ was designed with TPA administration in mind — multi-sponsor management, programmatic rule enforcement, and reporting that stands up to ERISA scrutiny and your plan sponsors' boards.

"The best TPA offering isn't just administration — it's infrastructure your plan sponsors can't find anywhere else."

🏦
One FBO per Sponsor
Every plan sponsor gets its own dedicated FBO sub-account, so nothing is ever commingled. That's how the ERISA fiduciary standard gets met — built into the structure rather than promised in a policy.
⚙️
Programmatic Rule Enforcement
Service eligibility, per-member limits, and benefit parameters are enforced automatically as the Claim Rules Validator processes each claim. Nothing waits on manual review, and no exception gets through without authorization.
📊
Multi-Sponsor Dashboard
You manage every plan sponsor from one console, with drill-down by service category, date range, or provider type. Any view exports ready for an ERISA audit or a DOL examination.
🔐
HIPAA by Architecture
PHI never surfaces in TPA or sponsor-facing reporting — only the financial side does: service category, amount, date, provider type. The clinical detail stays protected by the architecture itself.
TPA professional reviewing benefits
Who It Serves

Which TPAs deploy
My Patient Fund™?

Any TPA administering self-insured, level-funded, reference-based pricing, or association health plans benefits from closed-loop payment infrastructure at scale.

Use Case 01
Self-Insured & Level-Funded Plan Administration
TPAs administering self-insured plans for mid-market and large employers need payment infrastructure that delivers institutional-grade accountability at flat rate — not percentage fees that grow with claim size.
Flat rate replaces percentage-based fees across all sponsors
Per-sponsor FBO sub-accounts — full segregation
835 ERA on every claim — automatic audit trail
Use Case 02
Reference-Based Pricing Plans
TPAs managing reference-based pricing plans can replace check-cutting, card programs, and manual EFT workflows with a single automated infrastructure — one payer ID, one clearinghouse connection, one console.
Replace checks and cards with direct EFT to providers
Payer ID: FUNDS across all participating sponsor groups
Real-time balance and payment history per sponsor
Use Case 03
Association Health Plans
TPAs administering association health plans across multiple member organizations can deploy My Patient Fund™ as the unified payment infrastructure — one platform, co-branded, serving every member organization.
One payer ID across all association member groups
Consolidated reporting with per-member-org drill-down
Co-branded with your TPA — white-label ready
Side by Side

MPF™ vs. legacy TPA
payment platforms.

How My Patient Fund™ compares to legacy benefit cards, virtual card / HRA platforms, and manual EFT workflows.

Capability My Patient Fund™ Legacy Benefit Card Virtual Card / HRA Manual EFT / Check
Pricing modelFlat per claim2.5–3.5% interchange3–8% per claimManual + staff overhead
Payment railEFT direct — 100%Card network deductionsVirtual card or checkManual EFT — no automation
Claims workflow837P/I · 835 ERACard swipe onlyManual portalNo EDI
Multi-sponsor consoleAll sponsors — one viewPer-card issuerPlatform-dependentSpreadsheet-based
Audit trailReal-time automaticCard statements onlyRetroactive reportsManual reconciliation
ERISA documentationBuilt-in per claimNot designed for ERISAVaries by platformManual — error-prone

⚠ My Patient Fund™ is not health insurance and does not constitute ACA MEC. TPAs and plan sponsors should consult qualified benefits counsel.

Ready to bring My Patient Fund™
to your plan sponsors?

My Patient Fund™ is built for TPA scale — one platform, one console, every plan sponsor. Flat rate. Closed loop. ERISA-reportable on day one.

Payer ID: FUNDS  ·  FDIC-Insured Banking Partner  ·  837P / 837I / 837D  ·  EFT Direct to Provider
Schedule a TPA Call → tpa@mypatient.global