卖什么
患者自付医疗费用支付方案与医疗机构回款服务。
商业模式拆解
买家：谁掌握预算？
Health systems and hospital revenue-cycle teams that sign provider partnerships (30+ hospital partners listed incl. Penn Medicine, Christiana Care, Lehigh Valley).
工作流：什么输入变成什么输出？
Health system partners with AblePay; provider offers membership at point of service; patient presents AblePay card, entered as secondary payer for out-of-pocket cost; AblePay pays provider within about two weeks.
经济账：省了什么，怎么收费？
需验证实际收费、留存和毛利；融资本身不证明商业模式成立。
渠道：怎么接触到客户？
Direct B2B partnerships with health systems, then patient enrollment at point of service.
融资历史与报道
| 融资日期 | 轮次 | 金额 | 投资方 | 来源 |
|---|---|---|---|---|
| 2026-10-07 | A 轮 | $20M | F-Prime; A1 Health Ventures; .406 Ventures | prnewswire.com |
档案汇总自公开报道和公司官网。商业模式部分是 MaxBC 对这些材料的解读，不是已确认的事实；未知之处留空，不作猜测。 更新于 2026-10-12.