Less paperwork.
More presence.
The insurance operations copilot for independent therapists. Works alongside your EHR — we never touch your clinical record.
A calm workspace for insurance admin — so you can return to the work that drew you to this profession.
Please don't submit patient or health information when booking — see our privacy notes.
Good morning, Sarah
Your Work Queue
Aetna — Claim #78234
What happened
"Authorization not on file." But we found auth #A-29381 approved on 2/12 — likely a payer lookup error.
BCBS — ERA #90445
What happened
Paid $108 vs. contracted $150 for CPT 90837. Adjustment code CO-45 suggests a fee schedule discrepancy.
CAQH Attestation Due
Quarterly re-attestation required to maintain credentialing status with all payers.
Clinical notes stay separate. This workspace only shows insurance operations data — never your therapy notes.
Timely Filing Alert
3 claims within 30 days
You didn't become a therapist to fight with insurance companies.
Yet the admin keeps bleeding into evenings. Claims age out. Underpayments slip by. And the mental load of "what am I forgetting?" never quite goes away.
The way it is now
Scattered across too many places
Spreadsheets
Manual tracking that falls behind
Payer Portals
Five logins, five interfaces
Sticky Notes
Easy to lose, hard to trust
Your Memory
Already holding so much
With Margin for Care
One calm place for all of it
One daily workflow
Everything prioritized. Nothing forgotten.
Plain-English explanations
No more cryptic adjustment codes.
Gentle deadline reminders
Timely filing alerts before it's too late.
More margin for the work that matters.
The workflow
How it fits your day — without replacing your EHR
From intake to ongoing operations, Margin for Care organizes your insurance work around the natural flow of clinical care.
Works alongside your EHR
We connect to your clearinghouse, not your EHR. That means we see the claims and payments side of your practice — what got submitted, what got paid, what got denied, what's aging — without ever touching clinical notes, session content, or scheduling.
Preparation
Verify coverage and catch issues before the session begins.
- Client intake forms
- Eligibility verification
- Identity mismatch detection
- Coverage confirmation
Documentation
Your clinical notes stay in your EHR. Margin for Care only touches what it needs for insurance work — never session content.
- Real-time coding checks
- Encounter preparation
Claim Work
A clear queue of what needs attention, with guidance for each step.
- Claim work queue
- Plain-English denial help
- Appeal drafting assistance
- ERA reconciliation
Operations
Keep your credentials current and your practice running smoothly.
- Credentialing tracking
- CAQH attestations
- Document management
- Practice analytics
Capabilities
Built for the work EHRs overlook
Three core jobs, done in one place: working denials, reconciling ERAs, and drafting appeals. Credentialing and eligibility support round out the stack.
Claim Work Queue
Your daily list of what needs attention: denials to work, underpayments to review, deadlines approaching. No more hunting through portals.
Denial Explanation & Appeal Help
See exactly why a claim was denied — in plain English. Get draft appeal language you can review, edit, and submit.
ERA Reconciliation
Compare expected vs. actual payment. Flag underpayments instantly with clear explanations of what happened.
Eligibility Verification
Verify coverage before sessions. Catch subscriber ID mismatches, name discrepancies, and inactive policies early.
Encounter-to-Claim Linting
Catch common errors before claims go out: missing modifiers, diagnosis-procedure mismatches, timely filing risks.
Credentialing Tracking
Track every payer enrollment and re-attestation deadline. Get reminders before CAQH attestations expire.
Payer Portal Guidance
Deep links and workflows for each payer. Know exactly where to go and what to submit for each issue.
Secure Messaging & Documents
HIPAA-compliant messaging and document storage. Superbills, Good Faith Estimates, intake forms — all in one place.
Practice Analytics
See your revenue cycle clearly: collection rates, denial patterns, days to payment. Make informed payer decisions.
Stay independent. Stay in control.
Not another generic EHR. Not a platform that takes a cut. A tool that helps you run your own practice — your way.
Why independence matters
Platform networks typically keep a percentage of every session — sometimes a significant one. Margin for Care takes a flat monthly fee so 100% of your reimbursement stays yours, and you keep your own payer contracts.
(Headway, Alma, Grow Therapy, SonderMind)
Insurance operations depth
Margin for Care
Purpose-built for this
Traditional EHRs
Basic or none
Platform Networks
They handle it (less visibility)
Denial triage & explanation
Margin for Care
Plain-English guidance
Traditional EHRs
Not available
Platform Networks
Varies
ERA reconciliation
Margin for Care
Automated comparison
Traditional EHRs
Manual
Platform Networks
N/A
Appeal drafting
Margin for Care
AI-assisted, you decide
Traditional EHRs
Not available
Platform Networks
Platform handles
Independence
Margin for Care
You stay in control
Traditional EHRs
You stay in control
Platform Networks
Tied to their network
Who presses submit?
Margin for Care
You do — every time
Traditional EHRs
You do — manually
Platform Networks
The platform does
Helpful. Not hands-off.
The AI in Margin for Care is designed to reduce your cognitive load, not replace your judgment. It surfaces what matters, explains what happened, and suggests what to do — but you always make the final call.
The AI only sees insurance data — never your session notes, treatment plans, or psychotherapy notes.
Translates the jargon
Adjustment codes like CO-45 and PR-96 become clear explanations you can actually understand and act on.
Suggests next steps
Based on the denial and your documentation, it recommends the most likely path — appeal, resubmit, or move on.
Drafts for your review
When an appeal is needed, it drafts language for you. You review, edit, and decide what gets sent.
Never acts alone
Nothing is submitted or resolved without you. The system shows its reasoning so you can verify first.
Denial Explanation
The payer denied this claim because no authorization was on file for this service.
Likely cause
This service required prior authorization for this member's plan, and either the auth wasn't obtained or wasn't attached to the claim.
Suggested action
If authorization was obtained, appeal with the auth number and documentation. If not, contact the payer about a retroactive authorization review.
Clinical notes protected
Separate from insurance data
Built for the trust you've earned.
Your clients trust you with their most personal experiences. We take that responsibility as seriously as you do.
Insurance operations and clinical notes stay separate
Margin for Care only touches what it needs for insurance work — claim status, EOBs, eligibility data. Your therapy notes, treatment plans, and clinical documentation live in a separate vault that's never exposed to the billing layer. The AI assistant only sees insurance operations data.
BAAs and compliance
BAAs available to design partners under the Pilot Agreement. General Availability BAA is in progress.
Encryption everywhere
AES-256 at rest, TLS 1.3 in transit. Your data is protected at every step.
Clinical notes vault
Psychotherapy notes are stored separately and never exposed to the insurance layer. Extra protection for what matters most.
Role-based access
Define exactly who sees what. Billing staff access claims without seeing clinical notes.
Append-only audit log
Every action logged. Know who accessed what and when — for compliance and peace of mind.
Full data export
Your data belongs to you. Export everything at any time — no lock-in, no barriers.
Our current commitments
- BAA (Pilot)
- Yes — under the Pilot Agreement
- BAA (General Availability)
- In progress
- Breach notification
- Per executed BAA (typically within 72 hours). HIPAA outside limit is 60 calendar days from discovery.
- Data residency
- United States
- Subprocessors
- Marketing site: listed on /privacy. Product: disclosed via BAA.
Fit check
Is Margin for Care right for you?
We built this for a specific kind of practice. Here's how to know if it's a fit.
Built for
- Solo insurance-billing therapists losing evenings to portal work
- Small group practices (2–10) without a full-time biller
- Practice managers juggling multiple payers across multiple clinicians
Not the best fit for
- Large enterprise groups with dedicated billing departments
- Practices already outsourcing billing who don't want visibility into the work
- Cash-pay-only therapists with no plans to take insurance
- Teams needing a full clinical EHR with e-prescribing and labs
- Therapists seeking a platform to handle billing entirely for them
Questions
Things therapists usually ask
If something's not here, reach out — we'd rather answer plainly than have you guess.
Does this replace my EHR?
Which EHRs do you work with?
Do you sign a BAA?
What happens after the pilot ends?
Can I export my data?
How much time does this take per day?
What do you need from me as a design partner?
How is my PHI protected?
Join the Founding Circle
We're building Margin for Care alongside therapists who understand the daily reality of insurance billing. If you want to help shape a tool that truly works for independent practices, we'd love to work with you.
Free access during pilot
Use the full platform at no cost while we shape the experience together.
Direct influence on roadmap
Brief weekly check-ins. Your input directly shapes what we build next.
Personalized onboarding
Thoughtful setup and training to get you started with confidence.
Founding pricing at launch
Lock in a founding rate for your first 12 months when we go live.
What we ask in return
About 30 minutes a week for 8–12 weeks, honest feedback, and access to 2–3 real denials so we can calibrate the copilot against the work your practice actually sees.
Please don't submit patient or health information when booking — see our privacy notes.