A solo cataract surgeon runs a high-volume insurance-billed business with a very specific economic shape. Cases land in clusters. Reimbursement clusters too, but on a different clock. Operating cash sits in chunks between billing cycles. Most solo surgeons accept the shape and bank with whoever opened their first checking account a decade ago. Three small moves change the math.

Move 1: Get Yield on the Idle Reserve

A solo cataract surgeon typically holds $400K to $1.5M in operating cash to cover payroll, lease, IOL inventory, and the gap between case and reimbursement. At 0.05% APY, that earns $200 to $750 a year. At 1.75% APY, the same balance earns $7,000 to $26,250.

That gap is real money. No new patients, no new fee schedule, no insurance contract changes. The cash sits where it sat. It just earns at modern rates.

Move 2: Split IOL Spend From Operating Cash

IOL inventory is a meaningful pass-through. A virtual account dedicated to IOL purchases (paid to Alcon, Bausch + Lomb, or J&J Vision) makes the spend visible without a separate ledger. Reimbursement for the implant lines up against the cost in one view, so margin per case becomes a number you can quote, not estimate.

Move 3: IntraFi Sweep for Settlement Days

Quarterly Medicare reconciliations sometimes deposit large balances on a single day. Standard FDIC insurance caps at $250,000 per depositor per bank. The rest sits uninsured between the deposit and the next disbursement.

The IntraFi sweep network spreads deposits across partner banks to provide FDIC coverage up to $10M per entity. The sweep runs in the background, so a $750K Medicare batch landing on a Tuesday is fully covered without any operational change.

ACH between accounts is $0. Wires are a flat $15. Account opening is 5 minutes, no branch visit. None of these moves require restructuring the practice. They just stop money from leaking quietly.

Open a free account in 5 minutes.