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Patient PortalReview your application status, upload records, and confirm your California consultation.Employer BenefitsTrack redirected claims, savings evidence, and compliance documents.Hospital TeamManage assigned patients, clinical milestones, medical records, and billing PDFs.Lender TeamReview verified cases, upload final agreements, and authorize funding.Claims SpecialistReconcile claim packets, final costs, and employer settlement evidence.Care ConsultantCoordinate travel support, translation review, onsite proof, and patient updates.CA OperationsRun identity verification, office appointments, and final-pass coordination.Platform AdminOpen the system control tower for governance, RBAC, and platform oversight.

Full Role Chain Map

How ZeroPayHealth Moves a Case from Application to Employer Settlement.

A transparent operating map for every role in the corridor: patients see what happens next, lenders see where risk is controlled, and hospitals see when delivery turns into settlement.

View Swimlane Start Eligibility

Operating Chain

Four auditable phases

Phase 101/04

Verification

California face check and background review

The applicant is converted from an online lead into a verified case file before the marketplace sees the request.

Phase 202/04

Bidding & Matching

3+3 bidding and plan confirmation

Three lender offers and three hospital options are compared side by side before a final care-finance plan is locked.

Phase 303/04

Travel & Treatment

Cross-border delivery and onsite proof

Care consultants coordinate travel, translation, milestones, and evidence uploads while the hospital delivers care.

Phase 404/04

Settlement

Claims audit and three-party allocation

Claim packets, itemized invoices, and employer evidence are reconciled before funds are allocated to the responsible parties.

Swimlane View

One case, six role lanes, four decision phases.

The lane map shows where each participant acts, what evidence is produced, and where the workflow moves from verification to matching, delivery, and final settlement.

Role Lane

Phase 1

Verification

California face check and background review

Phase 2

Bidding & Matching

3+3 bidding and plan confirmation

Phase 3

Travel & Treatment

Cross-border delivery and onsite proof

Phase 4

Settlement

Claims audit and three-party allocation

Patient

Applicant and care recipient

Submits procedure intake, insurance context, and consent.
Attends California office identity check.

Reviews 3 lender offers and 3 hospital proposals.
Confirms preferred care-finance plan.

Travels with itinerary, translation, and support plan.
Confirms treatment milestones and discharge status.

Receives final case closure and loan-clearance updates.
Keeps access to records and support history.

CA Operations

In-person verification control

Performs face-to-face ID check.
Runs employment, coverage, and background review.

Releases verified case packet to approved parties.
Tracks missing documents and exception gates.

Confirms departure, arrival, and escalation status.
Maintains the operational audit trail.

Verifies final evidence before closure.
Archives documents for role-based review.

Lenders

Bridge-finance partners

Receives only pre-screened borrower packets.
Reviews employment continuity and income band signals.

Competes inside the 3-offer finance stack.
Uploads final agreement and funding authorization.

Monitors milestone status without chasing PHI.
Sees exception flags if the care path changes.

Receives payoff packet and settlement evidence.
Loan clearance is tied to audited employer reimbursement.

Hospitals

Procedure delivery partners

Receives clinical pre-screen when consent permits.
Confirms procedure fit and intake readiness.

Submits locked bid, inclusions, exclusions, and dates.
Competes inside the 3-hospital comparison grid.

Delivers care and uploads milestone proof.
Provides records, itemized bills, and discharge files.

Invoice enters claims audit.
Approved balances are allocated through the settlement workflow.

Care Consultants

Travel, translation, onsite proof

Helps organize records and appointment readiness.
Checks language and travel constraints early.

Explains offer differences without changing clinical facts.
Coordinates selected hospital and lender handoffs.

Manages itinerary, translation, and onsite confirmation.
Uploads proof of presence and care milestones.

Collects final documents from care teams.
Supports patient questions through case closure.

Employers & Claims

Savings, audit, settlement

Coverage and employer-sponsored plan eligibility are checked.
Employer-facing status avoids unnecessary PHI.

Projected domestic-vs-corridor delta is reviewed.
Reimbursement path is confirmed before delivery.

Receives status signals for absence and benefit planning.
Protected details remain limited to authorized users.

Claims packet is audited against invoices and plan rules.
Employer settlement funds three-party allocation.

Phase 1

Verification

The applicant is converted from an online lead into a verified case file before the marketplace sees the request.

Patient

Applicant and care recipient

Submits procedure intake, insurance context, and consent.
Attends California office identity check.

CA Operations

In-person verification control

Performs face-to-face ID check.
Runs employment, coverage, and background review.

Lenders

Bridge-finance partners

Receives only pre-screened borrower packets.
Reviews employment continuity and income band signals.

Hospitals

Procedure delivery partners

Receives clinical pre-screen when consent permits.
Confirms procedure fit and intake readiness.

Care Consultants

Travel, translation, onsite proof

Helps organize records and appointment readiness.
Checks language and travel constraints early.

Employers & Claims

Savings, audit, settlement

Coverage and employer-sponsored plan eligibility are checked.
Employer-facing status avoids unnecessary PHI.

Phase 2

Bidding & Matching

Three lender offers and three hospital options are compared side by side before a final care-finance plan is locked.

Patient

Applicant and care recipient

Reviews 3 lender offers and 3 hospital proposals.
Confirms preferred care-finance plan.

CA Operations

In-person verification control

Releases verified case packet to approved parties.
Tracks missing documents and exception gates.

Lenders

Bridge-finance partners

Competes inside the 3-offer finance stack.
Uploads final agreement and funding authorization.

Hospitals

Procedure delivery partners

Submits locked bid, inclusions, exclusions, and dates.
Competes inside the 3-hospital comparison grid.

Care Consultants

Travel, translation, onsite proof

Explains offer differences without changing clinical facts.
Coordinates selected hospital and lender handoffs.

Employers & Claims

Savings, audit, settlement

Projected domestic-vs-corridor delta is reviewed.
Reimbursement path is confirmed before delivery.

Phase 3

Travel & Treatment

Care consultants coordinate travel, translation, milestones, and evidence uploads while the hospital delivers care.

Patient

Applicant and care recipient

Travels with itinerary, translation, and support plan.
Confirms treatment milestones and discharge status.

CA Operations

In-person verification control

Confirms departure, arrival, and escalation status.
Maintains the operational audit trail.

Lenders

Bridge-finance partners

Monitors milestone status without chasing PHI.
Sees exception flags if the care path changes.

Hospitals

Procedure delivery partners

Delivers care and uploads milestone proof.
Provides records, itemized bills, and discharge files.

Care Consultants

Travel, translation, onsite proof

Manages itinerary, translation, and onsite confirmation.
Uploads proof of presence and care milestones.

Employers & Claims

Savings, audit, settlement

Receives status signals for absence and benefit planning.
Protected details remain limited to authorized users.

Phase 4

Settlement

Claim packets, itemized invoices, and employer evidence are reconciled before funds are allocated to the responsible parties.

Patient

Applicant and care recipient

Receives final case closure and loan-clearance updates.
Keeps access to records and support history.

CA Operations

In-person verification control

Verifies final evidence before closure.
Archives documents for role-based review.

Lenders

Bridge-finance partners

Receives payoff packet and settlement evidence.
Loan clearance is tied to audited employer reimbursement.

Hospitals

Procedure delivery partners

Invoice enters claims audit.
Approved balances are allocated through the settlement workflow.

Care Consultants

Travel, translation, onsite proof

Collects final documents from care teams.
Supports patient questions through case closure.

Employers & Claims

Savings, audit, settlement

Claims packet is audited against invoices and plan rules.
Employer settlement funds three-party allocation.

Control Points

Information gap closed at the source.

Every downstream participant reads from the same case logic, but each role only sees the evidence it needs.

Identity and employment

California staff verifies the person, the job relationship, coverage context, and background signals before routing the case.

Locked comparison set

The 3+3 step prevents single-vendor opacity by showing the finance and hospital choices before commitment.

Onsite proof

Travel, admission, procedure, discharge, and document milestones are logged so remote partners can trust delivery status.

Audited settlement file

Claims evidence, itemized bills, employer reimbursement, and payoff instructions are reconciled before closure.

Stakeholder Clarity

Different roles, one traceable case record.

The page is designed to make risk points visible to lenders and settlement points visible to hospitals, while keeping patient data scoped to authorized use.

What lenders can underwrite

The lender view is built around verification density, not raw lead volume. Each routed packet has already passed identity, employment, procedure, and settlement-path checks.

In-person California verification

Employment and income-band signals

Procedure legitimacy controls

Employer settlement visibility

What hospitals can trust

Hospitals see when a case is verified, how the bid will be compared, what documents are needed for billing, and when the invoice enters settlement audit.

Locked bid format

Patient arrival and onsite proof

Medical record and invoice checklist

Settlement status after claims review

What employers can audit

Employers get a finance-ready trail of the case without overexposing protected medical details to teams that do not need them.

Eligibility and status tracking

Domestic claim delta evidence

HIPAA-aligned access boundaries

Final reimbursement and allocation record

Settlement Logic

From treatment proof to audited three-party allocation.

Settlement is not a black box. It is a sequence of claim evidence, audit review, employer reimbursement, and documented allocation.

Hospital balance

Lender payoff

Audit record

Claims packet

Itemized bill, procedure proof, discharge documents, and allowed plan context.

Audit review

Claims specialist reconciles codes, totals, reimbursement assumptions, and exceptions.

Employer settlement

Approved employer-side payment is recorded against the verified case economics.

Three-party allocation

Funds clear hospital balance, lender payoff, and approved platform or coordination fees where applicable.

Next Step

Start with eligibility or send the role map to your partner team.

Check Eligibility Lender Relations