Our program engages patients throughout their healthcare financial journey, not just when they ask you for help.

Components of our comprehensive solution include: Patient Choice (Opt-In), Patient Assign (only Auto-Assign program in industry), Payment Plan and Aged A/R Conversions.

• Funded program with net collection guarantees
• Always 0.00% APR to the patient to increase engagement and minimize defaults
• 501r and Medicare Bad Debt compliant

Luma was founded on the idea that healthcare should work better for all patients. Instead of a disconnected experience, where patients are forced to be their own healthcare advocates and provider teams struggle to reach their patients, every point along the care journey should be simple, seamless, and effective. 

Luma’s Patient Success Platform™ empowers patients and providers to be successful by connecting and orchestrating all the steps in the patient journey, along with all the operational workflows and processes in the healthcare ecosystem.

Headquartered in San Francisco, Luma serves more than 650 health systems, integrated delivery networks, federally qualified health centers, specialty networks, and clinics across the United States, and today orchestrates the care journeys of more than 35 million patients.

Our program puts providers patients first, while driving ROI for our providers. We will engage more patients than anyone else. We will drive increased volume and loyalty to the provider's brand, making providers stronger financially. And, we will always treat patients with care and respect.

The CarePayment Difference

• We never charge interest. CarePayment is always 0.00% APR over the entire life of the loan.
• There is no application required and no impact to credit scores
• We are not a debt collection agency. We do not engage in any extraordinary collection actions, nor do we sell medical debt to other companies.
• Patients receive communications directly from CarePayment, ensuring they are fully informed and have total transparency about their payment plan and other financial assistance options.
• Payment terms are patient-specific and adjustable, simplifying the process of implementing income-based payment plans or staying within regulatory repayment limits

Luma's deep integration, breadth of market-leading platform solutions, and connection across a healthcare organization's tech stack makes next steps delivered to patients and staff more informed and actionable, differentiating our platform from patient engagement and experience vendors.

Luma customers report reducing phone calls and wait times by half, yet seeing record numbers of patients. Since 2020, HIPAA-compliant messaging between patients and providers on the Luma platform has increased by 50%. And most importantly, this increased ability to collaborate on next steps powers better clinical care. At FQHC Alexander Valley Healthcare, Luma reached 15% more Spanish-speaking patients and brought 38% more attributed patients in for care. Organizations using Luma report up to an 80% referral conversion rate, with patients receiving critical specialty care within days rather than weeks.