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Manta Health's Patient Estimates and Pre-Payment pillar calculates accurate patient cost estimates from verified benefit data and collects payment before treatment, so your practice gets paid and your patients have no financial surprises.
Patient financial clearance is the process of calculating what a patient owes, communicating that amount clearly, and collecting payment before care is delivered. Manta automates both sides: estimate generation from verified eligibility data and fee schedules, and pre-payment collection via a patient-facing portal that requires no account creation and works on any device.
Patient financial clearance is the final step in the Coverage Intelligence workflow. Eligibility verification provides the benefit data. Prior authorization secures payer approval. Estimates and Pre-Payment uses both to calculate what the patient actually owes and collect that amount before treatment. Learn more about Patient Financial Clearance →
Practices load their own cash and insurance fee schedules into Manta. The pricing engine resolves the most specific applicable rate per CPT code and surfaces a confidence tier on every estimate so staff know how reliable the calculation is before sending it to the patient.
Patient side:
When an estimate is finalized, a secure practice-branded pay link is generated and sent to the patient by email and SMS. The patient opens the identity-verified portal, reviews their cost breakdown, and pays. The checkout is hosted by Manta's integrated payments processor — card data never touches Manta's backend, keeping the practice in PCI SAQ A scope. Accepted methods include card, ACH bank transfer, tap and swipe in-person, and phone collection. If payment is not made, an automated SMS reminder fires. Staff can also collect in-person or create a standalone payment request without an estimate.
Staff side:
Every estimate and payment is tracked in one place. The Estimates page lists all estimates filterable by status, type, date, and patient, with actions to finalize, share, void, download, and regenerate pay links. The Payments page shows the full lifecycle across pending, paid, failed, overdue, refunded, and cancelled. The Deposits and Reconciliation Dashboard shows gross collected, processor fees, and net deposit per batch with per-deposit drill-down.
Patient financial clearance completes the Coverage Intelligence workflow. By the time a payment request reaches the patient, the payer side has already been resolved: coverage verified, authorization secured, and any denial appealed. The estimate is built on real benefit data, not assumptions.
Patients who pay before treatment are significantly less likely to cancel or no-show. Practices that collect upfront remove the need for post-treatment statement cycles, collection calls, and write-offs.
Manta verifies active coverage, interprets benefit details by treatment and CPT code, and confirms whether prior authorization is required before care is delivered.
Eligibility determines whether authorization is required. Manta prepares and submits documentation automatically for any payer.
Every denial auto-appealed immediately upon receipt. Payer-specific AI drives a 90%+ overturn rate.
A Good Faith Estimate is a written cost estimate provided to uninsured and self-pay patients before scheduled services. Under the No Surprises Act, healthcare providers are required to provide GFEs upon request or when a service is scheduled. Manta generates GFEs automatically from the practice's cash fee schedule, producing a finalized PDF with the required fields and pinned disclaimer language.
Manta resolves the allowed amount per CPT code from the practice's insurance fee schedules, then applies the patient's verified benefit data, including deductible remaining, coinsurance rate, copay, and out-of-pocket maximum, to calculate patient responsibility line by line. Benefits are sourced from the verified eligibility check where available, or from manually entered benefit details as a fallback.
The confidence tier reflects how specific the rate match was in the fee schedule resolution. Best indicates an exact match on payer, plan, location, and CPT code. Lower tiers indicate the engine fell back to a broader match. Staff can see the confidence tier before sending an estimate to the patient.
The patient receives a branded email and SMS with a secure link. Clicking the link opens an identity-verified patient portal — no account required — where they can view the full cost breakdown, download the PDF, and pay. Accepted payment methods include card, ACH bank transfer, tap and swipe, and phone collection.
No. The payment checkout is hosted by Manta's integrated payments processor. Card data never touches Manta's backend, keeping the practice in PCI SAQ A compliance scope.
Patients who make a financial commitment before their appointment are significantly less likely to cancel or no-show. Manta targets up to 25% fewer preventable cancellations by converting scheduled visits into collected commitments before the date of service.
For visits where pre-payment is collected, downstream collections risk is removed. Manta's pre-payment model is designed to eliminate the post-treatment statement cycle and collections overhead for pre-paid visits.
Yes. Manta integrates with the practice's EHR and practice management system to read scheduling, patient, and insurance data and write payment and estimate status back. Current integrations include leading ambulatory EHR and practice management platforms, with additional connectors available through Manta's integration framework.
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