> [llms.txt](https://getlemma.com/llms.txt)

# Anatomy vs Lemma: a healthcare operations comparison

Lemma does everything Anatomy does: a healthcare lockbox, EOB-to-ERA 835 conversion, and payment reconciliation. Anatomy is a lockbox and EOB automation product with a limited banking offering. Lemma built its lockbox into its business banking solution for healthcare companies, so the check, the remittance and the match show up in one place. You can use Lemma as your primary bank account or forward deposits to your existing bank the same day.

Lemma also adds what Anatomy does not offer: native multi-entity banking, automated cash sweeps, and free payment rails. For organizations opening a new healthcare lockbox, Lemma is the stronger choice.

|                           | Anatomy                                        | Lemma                                                                                          |
| ------------------------- | ---------------------------------------------- | ---------------------------------------------------------------------------------------------- |
| Primary model             | EOB automation layered on an existing bank     | Healthcare banking platform with the lockbox built in                                           |
| Lockbox pricing           | Per page                                       | Flat $2.50 per envelope                                                                         |
| Banking                   | Embedded through Live Oak Bank, single entity  | Native multi-entity accounts, free ACH, up to 1.75% APY, $10M FDIC coverage per entity          |
| Reconciliation            | Smart Reconciliation integrates with existing banks | 94% of payer deposits auto-match inside the platform that holds the deposits              |
| EOB-to-ERA 835 conversion | AI conversion of paper EOBs                    | 96% extraction accuracy, by lockbox mail or dashboard upload, matched to the paying transaction |
| Best for                  | Teams already under contract with Anatomy      | Opening a new lockbox; MSO-PC and DSO-PC groups                                                 |

## What each platform provides

Anatomy converts paper EOBs into ERA 835 files using AI, matches bank deposits to claims through Smart Reconciliation, and runs a modern lockbox through its CheckAlt partnership. Since June 2024, Anatomy offers embedded banking through Live Oak Bank for single-entity organizations.

Lemma brings the lockbox, banking, entity management, payments, and reconciliation workflows into one platform. Lemma is [banking built for MSO-PC structures](/mso-banking), with virtual accounts per entity, automated daily sweeps between PCs and the MSO, payment rails, and one place to manage every entity. Finance teams can toggle between entities, sweep funds between them, and keep money legally separate for compliance. Core Bank, Member FDIC, provides banking services.

## Banking and account structure

Anatomy’s banking is minimal compared with a full healthcare banking platform: its account model is built around a single entity and does not provide native multi-entity structures for managing an MSO and its affiliated PCs. Accounts are held and serviced by Live Oak Bank, with limited public rate transparency.

Lemma is designed for organizations with multiple legal entities. Each entity can have its own account and payer routing while finance teams manage the group from one dashboard. Lemma publishes its terms: free account opening in 5 minutes, free ACH, RTP, and FedNow transfers, $15 flat domestic wires, and up to 1.75% APY. FDIC coverage extends to $10M per entity through the IntraFi sweep network.

Even if you don’t want a full-service bank, Lemma can work alongside your existing account. Many Lemma customers set up an RTP cash sweep to instantly transfer lockbox deposits from their Lemma account to their existing bank account. That gives them Lemma’s lockbox and reconciliation workflows without requiring a full banking switch.

## Lockbox and payment automation

Anatomy’s CheckAlt-powered lockbox is the center of its product, removing approximately seven minutes of post-processing work per claim. Anatomy charges by the page.

Lemma’s [Healthcare Lockbox](/lockbox) is one part of a broader platform. Lemma charges a flat $2.50 per envelope and delivers same-day deposits, OCR for paper EOBs, automatic ERA 835 matching, and payment data connected to the accounts and entities that received it. Lemma’s EOB-to-ERA conversion runs at 96% extraction accuracy and is not tied to the mail stream: send an EOB as an image or PDF, by lockbox mail or dashboard upload, and get back a standard 835 matched to the ACH, virtual card, or check that paid it, with the original image kept attached under a BAA.

## Reconciliation and ERA workflow

Anatomy’s Smart Reconciliation integrates with existing banks, while Lemma reconciles within the same platform that holds deposits. Lemma combines automatic remit matching with multi-entity routing, payment workflows, and a consolidated view of the organization’s banking activity. On Lemma, 94% of payer deposits auto-match to remittance, posting-ready for the billing system.

## Pricing and security

Anatomy’s per-page pricing means a 50-page EOB can cost much more than a short EOB. Lemma’s flat per-envelope lockbox pricing is more predictable, and the [full price list is public](/pricing), so teams can evaluate the cost and operating model before switching. Lemma is also easy to try: signing up is free, lockbox customers only pay per envelope, and customers can upload EOBs to convert them into 835s and explore the product before committing to moving their banking over. Lemma also includes role-based access controls, full audit logging, and 2FA.

## Which solution fits

Choose Lemma when opening a new healthcare lockbox. Lemma is the best choice if you want a comprehensive product: healthcare-native banking, lockbox and reconciliation, multi-entity account structures, automated cash movement, payment rails, and one operating view for your MSO-PC or DSO-PC group.

Lemma provides the same core capabilities as Anatomy: lockbox intake, EOB-to-835 conversion, and deposit reconciliation. You also don’t need Anatomy to keep your existing bank: Lemma’s RTP sweep forwards lockbox deposits to any external account the same day.

Anatomy can still be a reasonable choice if you’re already under contract with it. Customers in that situation can configure Anatomy to deposit into Lemma, preserving their existing setup while benefiting from Lemma’s other multi-entity banking features.

Signing up for Lemma is free: [open an account](https://app.getlemma.com/sign-up), [upload an EOB](/eob-conversion), and review the 835 that comes back.

## Your bank doesn't know healthcare. Lemma does.

Lemma is business banking for healthcare practices, MSOs, DSOs, and multi-entity groups: free ACH, up to 1.75% APY, $10M FDIC protection, entity management, cash sweeps, and an AI-powered lockbox that digitizes checks and EOBs on arrival.

Free for a single entity, $50/month per entity for groups. Open in 5 minutes. It's the last bank switch you'll make.

[Sign up](https://app.getlemma.com/sign-up)
[Book a demo](https://calendly.com/d/ct72-djp-r7w)
[Pricing](https://getlemma.com/pricing)