MarginForCare—Make room for what really matters.
Less paperwork.
More presence.
The insurance operations copilot for independent therapists. Use it as your primary practice system — or alongside the EHR you already have — to work denials, reconcile ERAs, and draft appeals in one calm workspace.
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 $113 vs. contracted $200 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 MarginForCare
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
From intake to ongoing operations, MarginForCare organizes your insurance work around the natural flow of clinical care.
Two ways to use it
As your primary practice system
Scheduling, clinical notes, client roster, and intake forms — with insurance operations built in from day one. One place for the whole practice.
Alongside your existing EHR
Connect via your clearinghouse to work denials, ERAs, and appeals. Your EHR stays where it is — we don't sync into or touch your existing clinical record.
Preparation
Verify coverage and catch issues before the session begins.
- Client intake forms
- Eligibility verification
- Identity mismatch detection
- Coverage confirmation
Claim prep
MarginForCare surfaces encounters that need a modifier, authorization, or diagnosis fix before the claim leaves — whether the encounter was captured in MarginForCare or in an EHR you use alongside it.
- Pre-submit claim linting
- Modifier and diagnosis checks
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
Two groups of tools. The insurance-operations layer — denials, ERAs, appeals, credentialing, eligibility — is the core. Plus enough practice basics (scheduling, notes, client roster, intake) that therapists without an EHR have everything they need in one place.
Our pilot target: 10–15 minutes a day for a solo practice.
Insurance operations
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
BAA-covered messaging and document storage. A single place for the paperwork — superbills, Good Faith Estimates, intake forms — that needs to move between you, your clients, and payers.
Practice Analytics
See your revenue cycle clearly: collection rates, denial patterns, days to payment. Make informed payer decisions.
Practice basics, built in
For therapists using us as their primary system — skip if you already have an EHR.
Scheduling & Encounters
Sessions, provider lookup, and encounters linked to claims for billing — a lightweight practice calendar, not a full clinical scheduler.
Clinical Notes
SOAP, DAP, and progress notes. Psychotherapy notes sit in an author-only vault with audit-logged access.
Client Roster
Demographics, insurance records, and encounter history in one place. Subscriber IDs are encrypted at the field level.
Client Portal & Intake
Intake forms, screening instruments, and identity verification — handled before the first session so you're not chasing paperwork after.
Stay independent. Stay in control.
Not another generic EHR. Not a platform that holds the contract. A tool that helps you run your own practice — your way.
Why independence matters
Platform networks get paid one of two ways: a flat membership fee (Alma publishes $95/month) or an undisclosed cut baked into the contracted session rate they pay you (Headway, Grow Therapy, SonderMind don't publish a take-rate). MarginForCare charges 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
Purpose-built for this
Traditional EHRs
Basic or none
Platform Networks
They handle it (less visibility)
Denial triage & explanation
Plain-English guidance
Traditional EHRs
Not available
Platform Networks
Varies by network
ERA reconciliation
Automated comparison
Traditional EHRs
Manual
Platform Networks
Varies by network
Appeal drafting
AI-assisted, you decide
Traditional EHRs
Not available
Platform Networks
Platform handles
Your own payer contracts
You keep them
Traditional EHRs
You keep them
Platform Networks
Network holds the contract
Who presses submit?
You do — every time
Traditional EHRs
You do — manually
Platform Networks
The platform does
Helpful. Not hands-off.
The AI in MarginForCare 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's access is scoped to insurance data — denial codes, claim details, payment amounts. It doesn't read clinical content, whether your notes live in MarginForCare's author-only vault or in an external EHR.
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 work and clinical notes are role-isolated
Billing roles see the insurance-operations data they need to work denials and reconcile ERAs — claim status, remittances, eligibility. Clinical notes are governed by separate access controls: psychotherapy notes are author-only by default, and AI features operate on insurance-operations data, not session content. Read how access control works →
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.
Psychotherapy notes, author-only
Notes a clinician designates as psychotherapy notes are readable and editable only by the author, with every access audit-logged.
Role-based access
Billing roles see the claim queue; clinical content is governed by separate controls. Each user is scoped to their own practice.
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 MarginForCare right for you?
We built this for a specific kind of practice. Here's how to know if it's a fit.
Built for
- Therapists starting a new practice who want insurance operations built in from day one
- 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.
Can MarginForCare be my primary practice system, or does it only work alongside an EHR?
Which EHRs do you work with?
Which payers do you support?
Do I need to leave my biller or billing service?
Do you sign a BAA?
How long is the pilot?
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 MarginForCarealongside 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.