Banking for behavioral health practices
Lemma matches every payment to its session and tracks collected revenue per clinician.
Book a demo
Lemma matches every payment to its session and tracks collected revenue per clinician.
Book a demoClient self-pay and superbills
Card and ACH charges settle alongside payer EFTs, tagged to the session.
In-network EFTs
Matched to remittance the same day they land.
Medicaid, including multi-state
Remits from every state route to the right PC automatically.
Per-clinician splits
Every payment is tagged to the clinician who delivered the session.
Client card and ACH charges settle alongside payer EFTs, tagged to the session. Medicaid remits from multiple states route to the right PC.
Deposit
One account per PC, each with its own routing number. Add a second location in five minutes.
Calm Mind MSO
$548,920.30
$168,440.60
$141,720.15
$88,310.90
Pay vendors by free ACH, send patient refunds as mailed checks from the dashboard, charge patient cards on file, and issue debit cards with per-card limits.
Bill pay
Mailed check, no post office
Up to 1.75% APY on every balance, FDIC coverage of $100M+ per entity through the sweep network, and Lemma Capital advances on claims you have already submitted.
Operating account
$212,480.00
Up to 1.75% APY
Three places a behavioral health practice's cash flow usually catches, each one quiet enough that it looks fine until it doesn't.
Sliding scale fees, no-show charges, and single case agreements don't move through a clearinghouse, so they land as one-off charges easy to miscount against clinical revenue.
Lemma tags every sliding scale, no-show, and single case payment apart from standard claim revenue as it lands.
Incoming deposit
IOP, PHP, and ABA hours are authorized in limited blocks, and a denial past that block often arrives as a line buried in a mailed remit.
Lemma digitizes every mailed remit and matches the denial to its session the same day.
Remit received
Paying a clinician a percentage of collections only works off money that has actually cleared, not billed totals that still include pending or denied claims.
Lemma tracks collected revenue per clinician as deposits clear, so pay runs off what actually settled.
Collected by clinician
Deposits match against claims from your PM and clearinghouse. Custom integrations available. See all integrations.
5 min
to open
Up to 1.75%
APY
$100M+
FDIC
94%
auto-match
Business Banking
An account per entity, opened in five minutes.
MSO-PC Banking
Purpose built for multi-entity practice structures.
Lockbox
A separate lockbox address for every PC.
Remittance Reconciliation
Deposits matched to remittance automatically.
Lemma Capital
Working capital sized to your revenue.
Corporate Cards
Free virtual and physical debit cards with custom limits.
Integration
Connect your clearinghouse, EHR, and books.
Revenue Routing
Split shared deposits across every PC, daily.
Free for a single entity. Groups pay $50 per entity per month. ACH is free, wires are $15, lockbox envelopes are $2.50.
Deposits are spread across our partner bank network, extending coverage to $100M+ per entity.
No. Lemma is the bank. We read from those systems and send the matched data back.
Yes. Client self-pay charges and superbill reimbursements settle into the same ledger as any in-network EFTs you do have, tagged to the session either way.
Yes. Lemma tracks collections per clinician as deposits clear, so a percentage-of-collections pay run is based on what actually settled, not what was billed.
Yes. Each clinical PC and the management company each get their own account under one MSO login, with revenue routed to the right entity automatically.
