moopFi is a healthcare-focused financial platform on a mission to help individuals and families manage and reduce their out-of-pocket healthcare costs. Rather than managing multiple provider statements, due dates and payment portals, users can upload their bills to one secure dashboard. moopFi then consolidates the bills (and for eligible medical bills provides an instant 10% principal reduction). From there, users can select a flexible payment plan that allows them to spread outstanding balances across longer repayment periods, which can help reduce monthly payment amounts compared to traditional provider payment plans and/or premium payment schedules. Additionally, moopFi coordinates directly with the patient's providers, reducing the administrative burden and time they spend managing healthcare costs.
Step 1 — Upload Your Medical Bills and/or Premium Statements Upload medical bills from hospitals, physicians, imaging centers, emergency rooms, labs, specialists, or any other healthcare provider. Also upload premium statements or invoices from insurance companies for health-related coverages (other than any group coverage such as employer-provided plans).
Step 2 — Choose a Monthly Payment Receive a 10% reduction off of the principal amount of your unpaid medical bills (and combine your bills and/or insurance premium costs into one simple monthly payment that fits your budget).
Step 3 — We Handle the Rest moopFi coordinates payment directly with your providers and insurance companies so you no longer have to manage multiple payment plans and due dates.
You can upload bills from hospitals, physicians, specialists, imaging centers, laboratories, surgical services, dental services, eye doctors, and other healthcare providers. It is important that the bills you upload: - are in a format that is legible and includes the name and contact information of the provider, the date(s) of service, the amount you, and the patient ID; - represent the portion of the charges that you (and not insurance) are responsible to pay, such as amounts that you owe on account of deductibles, copays, coinsurance, or claims that are denied by insurance; and - have not been discharged or written off by the provider.
Yes. moopFi provides users with a 10% automatic reduction off the principal amount of uploaded medical bills. Users can then select a flexible plan for the remaining balance that allows them to spread balances over longer repayment periods, which can further reduce monthly payments compared to traditional provider payment plans.
Yes. moopFi consolidates medical bills and/or insurance premiums into one simplified monthly payment so you only manage one dashboard, one payment plan, and one due date.
No. moopFi coordinates directly with your providers, reducing the administrative burden and time you spend managing medical bills.
Yes. moopFi uses a secure, HIPAA-compliant platform designed to protect sensitive personal health and financial information.
You can upload your initial set of medical bills with us and realize a 10% reduction on these in just minutes. Then, your new consolidated payment plan is ready to go (with the first payment typically due on the first day of the second month following the month in which you upload your bills).
Yes. moopFi offers flexible payment structures so users can choose payment options that fit their budget and household cash flow needs.
Many consumers try to negotiate medical bills themselves, but the process can be time-consuming, confusing, and difficult to manage — especially when bills come from multiple providers. Each provider may have its own billing system, payment portal, due date, repayment terms, and negotiation process, which can leave patients juggling separate arrangements with limited flexibility.
moopFi is designed to simplify that experience by bringing medical bills into one centralized platform, applying an automatic 10% principal reduction, and replacing multiple provider payment arrangements with one monthly payment. Because moopFi offers extended repayment terms, it can also help further reduce the user’s monthly payment obligation compared with typical provider payment plans.
Furthermore, moopFi allows users to consolidate their insurance premiums with their out-of-pocket medical bills and spread these costs over time.
Yes. moopFi is specifically designed to help consumers manage bills from multiple healthcare facilities and providers.
Credit cards may help cover a medical bill, but they can also expose consumers to high interest rates, revolving balances, and monthly payments that may be difficult to manage — especially when multiple medical bills are involved.
moopFi is designed specifically for healthcare costs. It helps bring medical bills and insurance premiums into one centralized platform, applies an automatic 10% principal reduction to eligible medical bills, and replaces multiple provider payment arrangements and premium schedules with one simple monthly payment. moopFi also coordinates directly with providers and insurance companies, reducing the time and stress of dealing with separate billing departments, due dates, and payment portals.
Because moopFi offers extended repayment terms, it can also help reduce the user’s monthly payment obligation compared with typical provider payment plans or high-interest revolving credit options, giving households a more manageable path forward.
Traditional financing options generally only focus on giving you access to credit. moopFi is designed specifically to help people manage their healthcare costs more easily and more affordably. With moopFi, medical bills and insurance premiums can be brought into one secure dashboard (with eligible medical bills benefitting from an instant 10% principal reduction) and consolidated into one flexible monthly payment. moopFi also coordinates directly with healthcare providers and insurance companies, helping reduce the administrative burden of managing multiple healthcare-related payments, due dates, portals, and payment arrangements. Rather than simply adding another loan or payment obligation, moopFi helps users organize, reduce, and manage their healthcare costs through one streamlined process.
moopFi is currently a licensed consumer lender in Missouri and Tennessee and is eligible to do business in North Carolina, Arkansas and Georgia (with licenses pending in several additional states).
Yes. moopFi’s rates are typically lower than credit cards and other consumer lending alternatives. moopFi’s rate current range from 11.11% to 20.78% (with maximum APR lower in certain states). The rates under all of moopFi’s plans are annual simple interest.
moopFi can consolidate and finance virtually any type of individual coverage, including medical, dental, and vision insurance as well as supplemental coverage like critical illness, travel, accident, cancer, hospital indemnity and Medigap. In certain situations, moopFi can also work with COBRA premiums.
moopFi cannot consolidate or finance any group plan coverage because the cost for these types of plans are typically employer-subsidized (and any employee portion of the premium cost is typically deducted from payroll automatically).
Please send us a message through our contact page or call +1 (888) 920-6528.