Healthcare CFO Expertise Without the $400K Salary—Because Your Practice Finances Are Too Complex for Generic Accountants
Navigate insurance reimbursements, optimize payer mix, and master cash flow in an industry where you bill $200 but collect $80... three months later. Get specialized fractional CFO and accounting services built for healthcare practices.
Trusted by 50+ healthcare practices | HIPAA-compliant processes | Average 23% cash flow improvement
Healthcare finance specialists | Insurance reimbursement experts | Starting at $3,500/month
Healthcare Finance Is Different. And It's Killing Your Cash Flow
Healthcare is the only industry where you provide a service, bill one amount, get paid a completely different amount... 60-90 days later. Generic accountants and CFOs don't understand this. We do.
You bill $10,000, insurance pays $4,000... 90 days later — how do you manage that gap?
Reimbursement rates vary wildly by payer — which insurance contracts are actually profitable?
Your payer mix is costing you money but you don't have the data to prove it
Collections take 60-90+ days — how do you cover payroll and rent NOW?
Billing errors and claim denials are bleeding revenue you'll never recover
You're "profitable" on paper but constantly stressed about cash flow
No visibility into profitability by provider, service line, or location
You need CFO-level expertise but can't justify $400K+ for someone who doesn't know healthcare
"The average medical practice waits 30-90 days for insurance reimbursements, collects only 40-60% of billed charges, and loses 5-10% of revenue to billing errors and underpayments. Without healthcare-specialized financial expertise, this complexity will cripple your practice."
You need strategic financial guidance from someone who understands RVUs, payer contracts, revenue cycle management, and the unique cash flow challenges of healthcare. But hiring a full-time CFO at $400K+? That's not realistic for most practices.
THE HEALTHCARE CFO COST PROBLEM
Visual Comparison Table
Full-Time CFO
$400K+ annual salary
+ $100K benefits & overhead
+ Recruiting costs ($50K+)
+ 3-6 months to find & onboard
Generic finance background
Learning curve on healthcare
Fixed 40 hrs/week (often underutilized)
Total: $500K+/year
CFO4U Healthcare CFO
Starting at $3,500/month
No benefits or overhead
+ Recruiting costs ($50K+) Immediate start
Healthcare specialist from day 1
Deep healthcare & insurance expertise
Understands RVUs, payer contracts, revenue cycle
Flexible hours matched to your needs
Total: $42K-$100K/year
Why Healthcare Practices Need Specialized Financial Expertise
Healthcare finance is fundamentally different from every other industry. The gap between what you charge, what insurance pays, when you get paid, and which payers are profitable creates unique challenges that generic accountants and CFOs simply don't understand.
The Healthcare Revenue Cycle Challenge
YOU PROVIDE SERVICE → YOU BILL $1,000
INSURANCE PROCESSES (15-30 days)
INSURANCE PAYS $400 (60-90 days later)
PATIENT BALANCE $150 (collection uncertain, 30-120+ days)
ACTUAL COLLECTED: $400-$550 (90-180+ days total)
Rent, payroll, supplies, malpractice insurance DUE NOW
The Healthcare Finance Problem
1. The Charge vs. Payment Gap
• You bill one amount, collect 40-60% months later
• Reimbursement rates vary by payer, procedure, and contract
• No other industry has this extreme disconnect between price and payment
2. Payer Mix Complexity
• Medicare pays differently than Blue Cross, which pays differently than Aetna
• Some contracts are profitable, others lose money—but do you know which?
• Your payer mix directly impacts profitability, but most practices can't analyze it
• Collection rates can range from 30% to 70% depending on payer
3. Collection Timing Unpredictability
• Medicare: 14-30 days
• Commercial insurance: 30-60 days
• Medicaid: 45-90+ days
• Patient responsibility: 60-180+ days (if collected at all)
• How do you forecast cash flow with this variability?
4. Billing Errors & Underpayments
• 5-10% of claims are denied on first submission
• Underpayments slip through unnoticed without contract rate audits
• Coding errors cost practices thousands in lost revenue
• Most practices don't have systems to catch these issues
• With only 40-60% collection rates, every error is magnified
5. Revenue Cycle Complexity
• 12+ steps from patient scheduling to final payment
• Each step has potential for revenue leakage
• A/R aging requires constant management
• Denial management requires expertise and persistence
6. Cash Flow Strain
• Expenses are immediate: payroll, rent, supplies, malpractice insurance
• Revenue is delayed: 60-90+ days
• You're only collecting 40-60% of what you bill
• This gap creates constant cash flow stress
• Without expert management, practices run out of cash despite being "profitable"
The CFO4U Solution:
We specialize in healthcare finance. We understand:
How to track billed charges vs. actual reimbursements by payer (40-60% collection reality)
How to analyze payer mix and identify profitable vs. unprofitable contracts
How to forecast cash flow despite variable collection timing and low collection rates
How to identify billing errors, denials, and underpayments
How to optimize your revenue cycle from scheduling to final payment
How to bridge the cash flow gap when you're only collecting 40-60% of charges
This level of specialized financial management requires healthcare CFO expertise. We deliver it at a price that makes sense for your practice.