Several months of waiting
The federal IDR process has received disputes at a volume far beyond what regulators projected when it opened in 2022. Your claim joins the queue, and the cash only comes after a determination.
Get capital today for
claims in arbitration.
MD Claims is dedicated to providing doctors, health systems, and staffing companies money today for claims in arbitration under the No Surprises Act.
- Not a loan
- No personal guarantee
- No upfront fees
- Funding in ~10 days
We fund all specialties that deal with the No Surprises Act — including emergency medicine, radiology, anesthesia, pathology, hospitalist and critical care, surgery, neonatology, and air ambulance — plus the staffing companies and health systems.
The Problem
You did the work. Now you wait — and you may still lose.
The federal arbitration process takes several months to produce a determination, and there is no guarantee it lands in your favor.
Deadlines that slip
Determinations are supposed to land inside a fixed statutory window. In practice, the majority run long — so even the several-month estimate is a floor, not a promise.
You may not win at all
Each side submits a single offer and the arbitrator selects one of them in full — there is no splitting the difference. If the plan's offer is chosen, the wait produces nothing beyond the benchmark rate you were already paid.
MD Claims takes both the waiting and the outcome risk off your books, and gives you the capital now.
Use of Capital
What our clients do with the money today
There are no restrictions on how you use the capital and no covenants attached to it. Here is where it typically goes.
Meet payroll and physician compensation
Stop letting a slow arbitration queue dictate whether partner draws and clinician comp go out on schedule.
Recruit and onboard clinicians
Signing bonuses, relocation, malpractice tail coverage, and the first ninety days of salary all land long before a new hire's billings collect.
Win and staff new contracts
Hospital coverage agreements and staffing awards require you to fund the ramp before the first remittance arrives.
Pay down expensive debt
Retire a revolver, a merchant cash advance, or an equipment note. Non-dilutive, non-recourse capital beats a 20% line of credit.
Fund more IDR filings
Batching and prosecuting disputes costs real money in fees and administrative time. Monetized claims let you pursue the next tranche instead of rationing it.
Invest in revenue cycle
Better coding, eligibility, and denials infrastructure pays for itself — but only if you can afford it before the savings show up.
Open or equip a site of service
Imaging, ASC build-out, monitors, and IT are capital expenses that don't wait on an arbitrator's docket.
Clean up the balance sheet
Convert a long-dated, uncertain receivable into cash ahead of a refinancing, a partner buy-in, or a sale process.
Distribute to partners
Recognize value for physician-owners now rather than asking them to wait on a determination that may be many months out.
How It Works
From submission to wire in about ten days
-
1
Your dispute is submitted to the IDR entity
The out-of-network claim enters federal Independent Dispute Resolution. At that point it becomes an eligible receivable.
-
2
Submit information to MD Claims
Claim detail, benchmark amount, and case documentation come to us for review. No cost and no obligation.
-
3
We review and size the advance
We confirm eligibility, evaluate the claims, and issue a written offer.
-
4
Advance agreement signed
Your billing partner or law firm runs the case exactly as it does today — nothing about your process changes.
-
5
Funds are advanced
Cash is wired directly to you. We absorb the wait for the arbitrator.
10 days
From submission to funding. No waiting on the arbitrator.
The Structure
Why this isn't a loan
An advance against a receivable you already earned — not debt against your practice.
| MD Claims | Bank line of credit | Merchant cash advance | |
|---|---|---|---|
| Structure | Advance against a receivable | Debt | Debt |
| Personal guarantee | None | Usually required | Usually required |
| Lien on the practice | None | Typically all assets | Typically all assets |
| Interest | None | Accrues monthly | Effective rates often 30%+ |
| If the plan's offer prevails | You keep the advance and owe nothing back | Still owed in full | Still owed in full |
| Upfront fees | None | Origination and legal | Origination |
| Time to cash | About 10 days | Weeks to months | Days |
Who We Fund
Built for the specialties the No Surprises Act actually touches
Physician practices & medical groups
Hospital-based and ancillary groups carrying disputed out-of-network volume: emergency medicine, radiology, anesthesiology, pathology, hospitalist and critical care, neonatology, and surgical specialties.
Health systems
Facility and employed-physician receivables sitting in IDR, where the timing gap between determination and cash distorts quarterly results and delays capital projects.
Staffing & management companies
Clinician staffing platforms and practice management groups that front payroll across many contracts and cannot afford to have working capital parked in a federal arbitration queue.
Air ambulance operators
Air ambulance disputes are their own category under the Act, with their own economics and their own long tail. We fund them.
Questions
Frequently asked
Is this a loan?
No. MD Claims advances capital against the disputed portion of the award. There is no interest, no personal guarantee, and no lien on your practice. It does not appear as debt and it does not encumber your other receivables.
What happens if the health plan's offer prevails?
You keep the advance and owe nothing back. That outcome risk transfers to us at closing — it is the core of what you're getting.
Do I lose control of my cases?
No. Your billing partner or law firm continues to run each case exactly as it does today. We are not a substitute for your IDR vendor and we do not interfere with strategy or offer selection.
Do I keep the benchmark payment the plan already made?
Yes, in all cases. The qualifying payment amount the plan already paid you is yours and is never part of the advance. We look only at the disputed upside above it.
How much can I get?
Terms are specific to the claims — the procedure codes, the benchmark amounts, the offers submitted, and how comparable disputes have resolved. We put the number in writing before you commit to anything.
How fast is funding?
About ten days from submission to wire. There is no waiting on the arbitrator, because the wait is exactly what we are taking off your books.
Which claims are eligible?
Out-of-network emergency and certain ancillary claims that have entered the federal IDR process and have not yet reached a payment determination. If you aren't sure which of your claims qualify, send the file and we'll tell you.
Is there a minimum size?
We look at portfolios across a wide range of sizes, from single-practice tranches to health-system and staffing-company volume. Tell us what you have and we'll tell you quickly whether it's a fit.
What does diligence cost?
Nothing. There are no diligence, legal, closing, or servicing fees at any point in the process.
Get Started
Tell us about your practice and your claims in arbitration
Takes two minutes. No cost, no obligation, and nothing here commits you to anything. We respond within one business day.
Prefer to reach out directly?