Side-by-side comparison of Anatomy and Lemma on banking, lockbox, reconciliation, and pricing for healthcare practices and MSO-PC structures.
Both Anatomy and Lemma address healthcare back-office inefficiencies but from different angles. Anatomy functions as a financial automation layer that sits on top of your bank, while Lemma operates as a healthcare-native banking account with integrated automation.
Anatomy converts paper EOBs into ERA 835 files using AI, matches bank deposits to claims through smart reconciliation, and runs a modern lockbox via CheckAlt partnership. Since June 2024, it offers embedded banking through Live Oak Bank.
Lemma is banking built for MSO-PC structures (opens in a new tab), with virtual accounts per entity, automated daily sweeps between PCs and the MSO, and a consolidated dashboard. Core Bank, Member FDIC, provides banking services.
Anatomy's accounts are held and serviced by Live Oak Bank with limited public rate transparency.
Lemma publishes its terms: free account opening in 5 minutes, $0 ACH, $15 flat wires, and 1.75% APY. FDIC coverage extends to $10M per entity through the IntraFi sweep network.
Anatomy's CheckAlt-powered lockbox removes approximately seven minutes of post-processing work per claim, with unpublished pricing.
Lemma's Medical Lockbox (opens in a new tab) costs $2.50 per check and delivers same-day deposits, OCR for paper EOBs, and automatic ERA 835 matching.
Anatomy's Smart Reconciliation integrates with existing banks, while Lemma reconciles within the same dashboard holding deposits — with automatic remit matching and built-in multi-entity routing.
Anatomy doesn't publish pricing. Lemma's transparent structure, the kind of line-item cost breakdown worth demanding from any bank (opens in a new tab), includes PIN/password authentication, role-based access controls, and full audit logging.
Choose Anatomy if you prefer keeping your current banking relationship and need EOB/claims automation layered on top.
Choose Lemma for an integrated account with native MSO-PC functionality, published pricing, and lockbox included, the criteria worth running through five questions before signing with any bank (opens in a new tab).