From the provider’s perspective, step by step, here’s how accepting ClearHealth patients works — and why it’s so easy.

🏥 1. Setting the Scene: The Small Clinic Reality

Think of your average small family practice or independent clinic:

• 2–5 clinicians
• A front-desk team who do everything — scheduling, billing, claims
• Their billing software (Athena, Kareo, AdvancedMD, DrChrono, etc.) is built for CPT → claim → insurer portal → wait 45 days → EOB → adjust → rebill

They hate:

• Rejections (“payer ID missing”)
• Pre-authorizations
• Denials after 60 days
• Not knowing what they’ll actually be paid

Their dream? ➡ Swipe a card or click “pay” and be done.

🩺 2. What Happens When You Walk In With ClearHealth

Let’s say you show your ClearHealth Member Card.

The front desk sees:

• “ClearHealth – Reference-based HDHP”
• “Pay direct, HSA-eligible. See portal for real-time pricing.”

They have three easy options, depending on how modern they are.

Option 1 — The Modern Route (Preferred)

✅ Instant price + instant payment

1. Provider logs into ClearHealth Provider Portal (simple web app).

2. They type the CPT code (e.g., 99213 for office visit).

3. Portal instantly shows:

   • Medicare rate: $95
   • ClearHealth reimbursement: 120% = $114
   • “Collect from patient? Pre-deductible → yes.”

4. They click “Submit” and either:

   • Charge $114 to the member’s HSA-linked card immediately, or
   • Send an electronic invoice (ACH/Stripe).

📅 Payment to provider: within 48 hours. No claim denials. No waiting. No pre-auth.

Option 2 — The “Cash Price” Route (Common Early On)

✅ Use existing workflow — no portal, no EDI

If they already have a cash price list, you tell them:

“Bill me your normal self-pay price or your Medicare rate × 1.2 — whichever is lower. You’ll be paid electronically within 2 business days.”

They send a PDF or itemized invoice to claims@clearhealth.life or upload to your site. ClearHealth processes it automatically.

📅 Payment: within 48 hours via ACH.

This fits perfectly with practices that already see uninsured or DPC patients — you’re just another fast-paying, low-hassle patient.

Option 3 — The “Old-School Claim” Route

✅ EDI-friendly fallback

If they insist on using their billing system:

• You provide a payer ID (via clearinghouse like Eligible.io).
• They submit an 837 claim as usual.
• ClearHealth adjudicates in hours, not weeks.

📅 Payment: 3–5 days.

They don’t have to learn anything new — but you still control the experience and transparency.

💡 3. How They Know What to Charge

ClearHealth provides:

• A public searchable fee schedule (“Medicare + 20%” calculator).

• Or a QR code on the member’s card that opens their rate page:

  clearhealth.life/rates/99213 → shows $114 for this region
  

No negotiations, no mystery. It’s the opposite of insurance networks — simple, published, and instant.

⚙️ 4. What They Need (and Don’t Need)

Your biggest differentiator:

“If you can send an invoice, we can pay you — fast.”

💰 5. The Psychology for Providers

At launch, your goal is not to “convince them to take ClearHealth” — it’s to make it frictionless to accept cash while still giving the patient insurance protection.

So you position it like this:

“You don’t have to sign up for anything. Just treat ClearHealth members like cash-pay patients. We’ll handle the insurance part behind the scenes — and pay you faster than any carrier.”

That’s music to their ears.

🧩 6. How You Build Trust Quickly

1. Pay fast. Nothing builds credibility like a 2-day ACH.
2. Be transparent. Always show them the rate table upfront.
3. Give them an easy portal. Simple login → see claims → download 1099.
4. Provide support humans. Real contact for billing staff (not an IVR maze).
5. Recognize good behavior. Prompt payment bonuses or “trusted provider” badges.

🧠 7. The Backend Workflow Supporting This

🚀 8. The Onboarding Playbook

✅ In short:

• No credentialing, no portals if they don’t want them, no special setup.
• They can charge their normal cash rate or check your transparent fee table.
• They get paid fast, and you handle all the backend reconciliation automatically.