Urgent care lives on a few hundred dollars per encounter, part of it collected from a commercial payer weeks later and part from the patient at the desk today. Lemma reconciles both halves to the same visit, at flu-season volume, with no per-transaction fee.
Book a demoEvery encounter splits into a claim and a patient balance. Urgent care banking has to handle batched payer EFTs and thousands of small card settlements in one account.
December volume can be double April's. Insurance EFTs and outgoing vendor payments are free at any daily count, so seasonality never arrives as a bank fee.
When four commercial plans are most of your revenue, one payer slowing down moves your cash position. Lemma shows deposits by payer so a slowdown is visible in days.
Coverage runs to $10M through the sweep network rather than stopping at the standard $250,000, so a strong season stays fully insured. Reserves built in flu season earn 1.75% APY while they wait for the spring trough.
The payers still mailing checks send them to your Lemma address. Scanned, posted, and deposited same day, with no staff time. $2.50 per check.
An urgent care encounter splits in two. The commercial claim pays 14 to 45 days out by EFT from one of a dozen plans. The copay, coinsurance, or deductible portion is collected on a card at the desk, or chased afterward. In January, when deductibles reset, the patient share of an encounter can exceed the payer share outright.
So your deposit stream is a mix of large batched EFTs and thousands of small card settlements, and reconciliation has to tie both back to a single visit that took twenty minutes to deliver.
Urgent care revenue concentrates in a handful of commercial plans. Watching deposits by payer turns a contract problem or a slow remittance cycle into something you catch in days rather than at quarter end.
Q1 shifts revenue from payer EFTs toward patient cards and unpaid balances. Card settlements and EFTs land in the same account and post against the same encounter, so the shift is measurable instead of confusing.
Employer physicals, drug screens, and injury care bill direct rather than through a payer. Those ACH payments and checks are tagged separately from clinical revenue.
Yes. Card settlements and insurance EFTs deposit into the same Lemma account and post against the same encounter, so patient responsibility and payer payment reconcile together rather than in two systems.
No. ACH is free and unlimited in both directions. A center processing thousands of transactions a month pays the same as one processing hundreds.
Each site can be its own entity with its own account number, routing number, and lockbox address, and the cash sweep between them runs on a daily, weekly, or threshold schedule. A quiet spring at one location is funded from a busy winter at another without an intercompany wire, and the hourly payroll run is covered before it comes due.
Coverage extends to $10M per entity through the sweep network, so peak-season balances stay fully insured without splitting funds across banks.
