The next evolution of medical billing rails

CuraPay is the new rail for how money, risk, and integrity move through healthcare.

We already have robots in the operating room. But the financial side of care still runs on faxes, portals, and inboxes. CuraPay brings it ALL onto one intelligent, detailed, user-friendly & comprehensible, fully automated, auditable, intuitive — SOURCE OF TRUTH — so the entire practice can focus on giving Care and Treatment instead of chasing benfits, authoriations and timely full claims payments.

"CuraPay automates the entire administrative burden of healthcare by turning payer rules into executable contracts, bots into autonomous/cognitive agents, and payer connections into intelligent rails." — Lance Allen, Founder/CEO, CuraPay

30–50%

Workflow effort reduced

100% - CuraPay removes 'lost" claims

Revenue recovered from “lost” claims

1 Rail

For eligibility, auths, claims & payments

Built as a clearinghouse-class rail with modern integrity and automation — without forcing you to rip out the systems you already use.

Today’s visit, tomorrow’s denial — or not.
CuraPay Live Rail View
In-flight visit PCP Visit + Labs • $280 expected One visit, one rail: coverage checked, benefits explained, claim prepared, and underpayments identified! — AUTOMATICALLY.
Before the visit
Eligibility, benefits, and estimated out-of-pocket surfaced to staff and patient before anyone steps into the room.
During the visit
CuraPay keeps an eye on requirements that cause denials — referrals, auths, plan quirks — and flags what’s missing.
After the visit
Claims are prepared and tracked from first submission through payment and, if needed, appeal — all on one timeline.
Over time
Patterns of denials, delays, and underpayments become fuel to renegotiate, redesign workflows, and protect margins.
CuraPay becomes the immutable record of truth of what really happened to a claim — no matter which EHR, clearinghouse, or payer portal was involved.
Clinical care advanced / administrative care froze in time

The story: why CuraPay had to exist.

Healthcare’s billing system is not “broken” — it’s working exactly as it was designed 50 years ago. That’s the problem.

1. A crisis in slow motion

Problem
Providers are losing millions per year to preventable denials, underpayments, and “administrative friction.” Every visit spawns portals, faxes, phone calls, and EDI files that don’t agree with each other.
The current rails reward complexity and delay, not clarity and speed.

2. Fragmented rails everywhere

Observation
Clearinghouses, EHRs, payer portals, and “automation vendors” all operate as islands. Each has its own rules, logs, and data formats — none share a single, trusted view of a claim’s state.
When everyone holds a different version of the truth, denials are inevitable.

3. A new rail, not another app

Direction
CuraPay doesn’t add yet another portal. We’re rebuilding the rail itself so eligibility, prior auth, claims, and payments can move on one intelligent, auditable track — visible to providers and fair to patients.
One rail, many systems plugged in. High trust without high friction.

The founder’s lens: what had to change.

  • We stopped accepting “that’s just how it is.” If you can track a pizza from oven to doorstep, you should be able to track a claim from visit to zero balance.
  • We centered providers and patients first. Every design choice starts with: did the provider get paid what they earned, and did the patient understand why?
  • We designed for the next 50 years. The goal isn’t another dashboard; it’s a rail that can outlive clearinghouses, portals, and even us.
  • We kept the “how” under the hood. The mechanics are complex. The experience should feel simple, safe, and trustworthy.

A better deal for providers & patients

Outcome
CuraPay’s founder narrative boils down to four promises:
✔ Recover revenue you’ve already earned ✔ Shrink admin overhead without burning staff ✔ Give patients clarity before and after the visit ✔ Prove every decision with a defendable record
“If a decision about care or payment was made, we should be able to show why — in a way a human can understand.” — Lance Allen, Founder
Start where the pain is loudest

What CuraPay automates first.

We don’t ask you to bet your whole operation on day one. We start with three battle-tested problems that every practice feels — and prove the value in Shadow Mode.

Eligibility that runs itself

Before the visit
CuraPay continuously checks coverage in the background, surfaces plan details to your staff, and flags surprises before the patient arrives — without changing your EHR.
No more “we’ll find out when the EOB comes back.”

Prior auth without the dread

At the point of decision
We track which services tend to require approvals and which details payers actually look at, then help your team get the right boxes checked the first time.
Less “hold music,” more predictable approvals.

Credentialing that actually finishes

In the background
Instead of juggling dozens of checklists and email threads, CuraPay keeps an active view of where each provider stands with each payer — and what’s blocking revenue.
Turn credentialing from an endless project into a trackable pipeline.
From shadow mode to sovereign rail

Our execution roadmap, not just a vision slide.

We’re not theorizing. We’re sequencing. Each phase compounds value for providers while hardening CuraPay as the healthcare rail that outlives legacy clearinghouses.
Four phased waves — all designed to prove value early, de-risk rollout, and keep options open for providers and payers.

Phase I — Shadow Mode

CuraPay runs alongside your existing workflows, watching eligibility, auths, and claims. We benchmark accuracy, speed, and recovered revenue before touching live rails.

Phase II — Direct Rail

CuraPay begins submitting and tracking transactions as your billing agent where it makes sense — always with a reversible path and clear audit trail.

Phase III — Unified Lifecycle

Eligibility, auth, claims, payments, and appeals are all visible on one timeline. Your team finally sees the full story of a claim without hunting in six systems.

Phase IV — Ecosystem & Incentives

Payers and partners can consume signals from CuraPay without ripping out core systems. Incentives shift toward first-pass payment and transparency for all.

We’re building the rail that should have existed 30 years ago.

CuraPay isn’t another bolt-on RCM tool. It’s a new agreement about how money, risk, and integrity move through healthcare. If you’re a provider, payer, or investor who’s done pretending the old system is “just how it is,” we should talk.

“Our mission is simple: prove — with evidence — that every claim was handled fairly. For the provider. For the patient. For the payer. That’s what this rail is for.” — Lance Allen, Founder/CEO, CuraPay

• Now recruiting the first 100 practices & design-partner payers