Treating the Patient, Not Just the Bill.
Precision financial care for every patient.
ARxChange delivers economic control over the patient balance by determining the right financial pathway before execution begins — so existing systems execute what ARxChange decides.
Trusted across the U.S. health ecosystem for over two decades, ARxChange connects payment-capture tools and revenue-cycle workflows with account-level diagnostics, high-yield treatment strategies, and provider-specific operating reality to improve patient financial care and revenue performance.
Patient Financial Insight in Action
Deeper Intelligence. Better Action. Higher Yield.
ARxChange connects the systems that capture payment with the intelligence required to decide what should happen first.
An ARxChange Leadership Series
Economic Intelligence for Patient Financial Performance
Patient financial performance is one of the largest, most complex, and least optimized consumer financial markets in the United States. Healthcare has spent decades building revenue-cycle machinery around it, yet performance remains stubbornly underperformant by virtually every economic measure.
This series introduces patient financial science and AI-enabled Economic Intelligence (EI) as the missing discipline: replacing retrospective assumptions with a structured diagnosis of each patient encounter’s economic reality — what it can realistically produce, where revenue resides, which path can unlock value, and which actions may delay, dilute, or destroy it.
The Economic Reality of Every Patient Encounter
02Why Revenue-Cycle Machinery Underperforms
03Introducing Patient Financial Science
04Economic Intelligence as a Missing Discipline
05Diagnosing Where Revenue Actually Resides
06The Paths That Unlock Patient Value
07Actions That Delay, Dilute, or Destroy Revenue
08From Retrospective Assumptions to Structured Diagnosis
09AI-Enabled Decisioning at the Account Level
10Building the Operating Model for Patient Financial Performance
The complete series will be available as a downloadable ebook. Check back soon.
Market Presence
Trusted across the patient financial ecosystem.
ARxChange supports leading health systems, national RCM platforms, and urban and rural providers seeking stronger patient financial performance without replacing the systems they already use.
20+ years
Trusted across healthcare payment, affordability, and revenue-cycle environments.
EHR + RCM
Works inside existing systems without rip-and-replace disruption.
6-stack model
Turns patient financial intelligence into directed revenue, eligibility, and engagement action.
$10B+
Patient balances processed annually through ARxChange-powered financial intelligence workflows.
Superior Service
Fair price. Strong performance. No provider price gouging.
Performance System
The financial operating system for individualized patient financial care.
ARxChange transforms patient responsibility from a static balance into a financial condition to be diagnosed, classified, treated, directed, and optimized. The system moves beyond one-dimensional propensity scoring and generic engagement into a 6-part performance architecture: multi-domain financial intelligence, account classification, treatment, verification, workflow, and optimization.
Beyond one-dimensional propensity scoring and generic workflow.
Traditional scoring ranks accounts with limited treatment logic and generic workflow, often resulting in low conversion. ARxChange diagnoses the financial condition behind each balance, classifies the account, and directs the best economic action before execution begins.
ARxCurve™
The Patient-Provider Revenue Curve™
The ARxCurve™ applies economic intelligence to patient financial encounters — evaluating payment demand, probability of resolution, and realizable provider revenue together to identify where patient-payment fit and provider yield are created or lost.
Optimize the balance before the ask.
Patient balances are not just workflow items. They are economic decisions. The Curve evaluates the amount requested, the patient's likely response, the probability of resolution, and the revenue the provider can realistically realize.
Workflow alone cannot solve payment economics.
RCM can bill, route, engage, and collect against the balance. The ARxCurve determines whether the requested action makes economic sense for the patient and produces realizable value for the provider.
The right financial treatment.
The Curve places propensity, affordability, assistance, payment plans, discounts, financing, and engagement into their proper role: inputs and tools inside a broader economic decision model.
Highest-to-lowest expected-yield waterfall.
Each account is evaluated along the Curve and routed to the path most likely to improve patient fit, probability of resolution, provider yield, and resource efficiency — without replacing existing RCM, POS, engagement, payment, or financing systems.
Diagnostics Stack
Precision Financial Diagnosis Engine
ARxChange converts account-level financial signals into normalized DRG/CPT-like operating profiles — creating precise, patient-specific treatment logic for engagement, assistance, payment, and resolution.
From raw account data to financial operating profiles.
ARxChange normalizes coverage, affordability, charity/FAP, hardship, behavior, income, and expected-yield signals into DRG/CPT-like financial profiles that define the right treatment logic before engagement begins.
Engagement Stack
Economic Waterfall Pathway Engine
The six-stack model turns patient financial intelligence into directed economic action — routing each balance through the highest-value pathway first, then directing the right workflow, treatment, and performance outcome.
Stack 1 · Insurance Revenue Capture
Coverage. Eligibility. Rebill.
Detect coverage opportunities and convert self-pay balances into recoverable insurance payment when a better payer path exists.
Recover the best available payment source first.
Coverage match, payer path, rebill instruction, and account resolution logic.
Improves cash recovery, reduces preventable self-pay exposure, and supports stronger revenue-cycle yield.
Proof Points
Validation across the healthcare financial ecosystem.
A view of ARxChange's breadth: measured top-health-system results, market-leader adoption, rural hospital value, national media recognition, and hospital-association support.
Measured performance
Trailing twelve-month results from a top U.S. News & World Report health system.
Account-level financial intelligence translated into material insurance recovery, measurable patient collection lift, and significant charity / FAP discovery.Academic Medical Center Top U.S. News & World Report health system
RCM, consulting, and payments
Partner validation from leaders that operate close to patient financial performance.
Powered by ARxChange, our enhanced patient analytics and engagement platform provides the optimal degree of operational fit and unmatched performance visibility.Best in KLAS RCM national leader Analytics and engagement platform
We now lead the market for helping providers address their self-pay challenges by integrating our operational and custom transformational capabilities with ARxChange.National leading RCM consultant Self-pay transformation
Rural and Critical Access impact
Focused on reimbursement recovery, charity documentation, and financial stability.
Implementing ARxChange's system improved our reimbursement and financial performance by accurately identifying and capturing indigent care populations and converting uninsured balances into insurance payments.CEO Rural health system
Delivering meaningful average annual value by rural / CAH revenue size:
National and industry recognition
Coverage recognizing ARxChange's IP, analytics, and patient financial performance role.
Transformative intellectual property that governs the entire structure of the market.Forbes Market-governing intellectual property
ARxChange's Compassionomics, in the form of Adaptive Financial Assistance, tailors patient financial care to each individual's economic circumstances.HFMA Compassionomics and Adaptive Financial Assistance
ARxChange offers patients tailored financial assistance strategies. Tailoring financial plans based on a patient's economic circumstances can prove financially beneficial for hospitals and health systems.Becker's Tailored patient financial assistance
The sophisticated wealth and economic analytics of ARxChange determine the truest portrayal of patients' financial resiliency and their optimal debt-settlement capacity.Huffington Post Patient financial resiliency analytics
Provider association support
Hospital-association validation for practical margin and self-pay performance improvement.
Given today's dynamic healthcare environment, we believe it is essential to offer new and innovative options like ARxChange.Hospital association Innovation and provider support
In today's challenging healthcare economy, hospitals require advanced financial solutions that reduce bad debt and drive margin improvement. ARxChange provides exactly that to hospitals.Hospital association Bad debt and margin improvement
Through an integrated solution suite including self-payment analytics, driven by big-data science and investment-grade performance, ARxChange helps healthcare providers improve net revenue and performance of self-pay receivables.Hospital association Net revenue and self-pay performance
News + Insights
News and insights shaping patient financial performance.
Perspectives on patient financial care, revenue optimization, affordability, and the evolution of patient-payment intelligence.
Insight Layer
Market thinking for the next era of patient financial care.
ARxChange perspectives connect financial intelligence, patient affordability, coverage discovery, payment behavior, and revenue-cycle execution into a clearer operating model for healthcare leaders.
Beyond Propensity Scoring
Why patient financial performance requires diagnosis, treatment, and optimization — not just ranked worklists.
Patient Financial Care
How affordability, coverage, payment, and assistance logic can operate as one coordinated financial-care model.
Precision Engagement
The role of economic intelligence and behavioral fit in improving payment conversion and patient experience.
Patents & Intellectual Property
Patented infrastructure for patient financial intelligence.
ARxChange is grounded in patented receivables organization, valuation, ranking, and routing methods that support the move from generic patient-balance processing to governed patient financial decisioning.
From receivables valuation to patient financial decisioning.
ARxChange's patent family established foundational methods for organizing, valuing, ranking, routing, and improving specialized receivables — including healthcare receivables — and supports the platform's broader role as a financial intelligence layer inside healthcare workflows.
The same IP spine now connects account-level financial diagnostics, treatment logic, workflow direction, and performance optimization.
Specialized receivables organization and collection
Internet-based system for organizing and collecting specialized delinquent debt, with healthcare debt identified as an example use case.
Receivables governance and market structure
Continuation of the earlier patent family that strengthened TriCap / ARxChange governance over receivables activities and related organization, valuation, and routing methods.
Extended receivables decisioning architecture
Divisional patent from the same family, further extending the receivables organization and decisioning framework used to support ARxChange's patented patient financial care methods.
About Us
Patient financial infrastructure for the revenue-cycle economy.
ARxChange is the embedded patient-financial decision layer operating inside live hospital, affiliated physician-practice, and RCM workflows — connecting affordability, coverage discovery, charity automation, payment planning, financing, and resolution logic before financial action begins.
Milestones & Evolution
From receivables valuation to upstream financial decision authority.
Foundation
Built market-governing patents — including U.S. Patent No. 7,949,597, 8,234,209, and 8,442,903 — governing the sorting, ranking, scoring, routing, and valuation of consumer receivables across U.S. consumer markets, including healthcare. See Forbes.
Accounts Receivable Trade Exchange
Applied these predictive valuation mechanics to patient balances through the market-first Accounts Receivable Exchange trading platform, producing mark-to-market intelligence and trade transactions.
SaaS Pivot
Moved upstream from receivables liquidity to governed financial decisioning before outreach, engagement, or collection activity.
Market Validation
Validated across U.S. News & World Report Top 20 health systems, best-in-class RCM vendors and consultants, and industry leaders as a control layer that governs financial decisions across systems rather than a task application inside one workflow.
Category Defining
ARxChange defines the patient-payment financial intelligence category in patient financial care — combining economic intelligence, affordability logic, financial decisioning, and behavioral economics to generate patient-level engagement strategies before payment action begins.
Proven Leadership
Mission-driven. Principle-focused. Execution-proven.
ARxChange is led by co-founders with decades of experience pioneering, building, and deploying enterprise-grade financial technology for healthcare. Their leadership has advanced the company from patented receivables valuation and early market formation into embedded patient financial infrastructure — guiding enterprise deployment, workflow integration, recurring SaaS operations, scaled production inside complex healthcare environments, and category-defining standards that are reshaping patient financial intelligence systems for the market.
James A. Zadoorian, Ph.D.
Jim brings more than three decades of experience in healthcare strategy, public policy, operations, and patient financial innovation. A former senior health-system and hospital-association executive, he has spent his career working at the intersection of provider economics, patient affordability, revenue-cycle performance, and healthcare access. Jim is widely recognized as an early architect and category leader in patient financial intelligence, having developed, patented, and operationalized receivables-valuation methods, account-level financial decisioning, and patient affordability infrastructure now applied in healthcare production environments. At ARxChange, he leads product vision, enterprise strategy, category development, market positioning, and organizational execution.
Joseph E. LaManna, MBA
Joe brings decades of senior enterprise operating experience across financial services, technology, healthcare, telecom, and internet-enabled businesses. His background spans large-scale commercial leadership, strategic planning, financial management, enterprise sales, partner development, and full P&L execution across complex, multi-stakeholder markets. At ARxChange, he leads revenue growth, financial planning, enterprise strategy, strategic partnerships, and scalable commercialization across health-system, RCM, fintech, and platform channels.
Start a Conversation
Talk with ARxChange about patient financial performance.
Connect with our team to discuss how patient financial intelligence can improve affordability alignment, coverage recovery, charity automation, payment path design, and revenue-cycle performance across your existing workflows.
For health systems
Improve patient-fit financial engagement and revenue performance without replacing core systems.
For RCM platforms
Add account-level financial intelligence, routing logic, and performance optimization to existing workflows.
For partners
Explore embedded, channel, and strategic distribution opportunities.