This is a 35 minute video training for healthcare professionals on Liens and Medical Funding*.

More often than not, people who have been injured in an accident will need to pursue specialist care to help in their recovery. The cost of that care can quickly exceed the average American’s medical policy benefits, or they may have a high deductible.
What’s unfortunately worse, it’s becoming common that they may not have insurance at all.

Barriers to recovery such as this cause patients to unnecessarily wait for the care they so desperately need in order to recover from their injuries.
One such source of relief in these scenarios can be medical funding.

Listen and Learn

Reid Zeising, CEO & Founder of Cherokee Medical Funding
Reid Zeising, CEO & Founder of Cherokee Medical Funding

In an with interview Reid Zeising of Cherokee Medical funding, he shares his vast experience about liens and how this can cause a doctor to unwittingly become a useful tool for defense attorney’s to use in swaying jurors against the doctor.

Reid has an honest passion for helping injured people get the care they deserve. Listen in as he tells us more about how Cherokee Medical Funding can provide the help patients need.

Securing Medical Funding for Your Patients

If you are considering medical funding to help your patient get the best care possible for their injuries, Cherokee Funding is happy to be a resource.

Contact Cherokee Funding today to learn more about getting medical funding for your patients.

*All content provided by Pragma, including: text, images, audio, or other formats were created for informational purposes only. The Tips in this section were created for educational purposes and do not guarantee payment or any other action by third-parties.

This topic is not guaranteed to be all-inclusive and is not intended to represent or replace policies and regulations listed in individual payer policies, contracts or state statutes. Content is not intended to be a substitute for professional legal advice or medical advice, diagnosis, or treatment.

Always seek the advice of an attorney, physician or other qualified health provider with any questions you may have regarding a specific medical condition.

Never disregard professional medical or legal advice or delay in seeking it, because of something you have learned through our program. The information presented is subject to change without notice.

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What is Medical Funding?

The following content was contributed by Reid Zeising, Cherokee Funding.

Medical funding can provide access to all of the essential medical care needed to help an injured person recover faster, bridging the all-too-common gap that exists when money runs out before the patient receives all of the medically-validated care they need.
Whether the patient is uninsured, underinsured or has a high health insurance deductible, medical funding can be a good alternative to accepting both care and financing from the medical provider, commonly referred to as medical liens.
If you’ve ever wondered…

Then continue reading thru the frequently asked questions below, or choose from the list of questions above for a quick answer.
Clicking the question will open its answer below it.

When a medical funding provider elects to work with a doctor, they pay the doctor directly to perform the medical care deemed necessary. The medical funding company gets paid back from the proceeds of the settlement amount from the personal injury claim, in many states, only when and if one is awarded. Getting approved to work with medical funders requires a certain amount of training to help minimize the risks in funding a patient’s care.

Documentation and insurance communication training, as well as treatment specialization training, are key indicators to medical funding providers that doctors know how to deliver expertise to insurers and attorneys within the personal injury industry. If you are a medical provider in need of training, please visit the Pragma Intel Training Programs page.

Patients who need extensive – and expensive – care are always concerned about how they are going to pay for that care. They do not want to go into debt for injury recovery care, especially in the instances when they were not at fault. Financial distress often contributes to prolonged recovery. A lack of adequate insurance, including high deductibles, and resistance to cover care by insurers can all be avoided with the use of medical funding.

A quality medical funding provider will explain exactly what is, and what is not, covered based on the injuries that have been documented in the claim. Patients and providers can expect nearly every type of specialized, and non-specialized, medical treatment to be covered by medical funding – from Chiropractors, Doctors of Medicine/Doctors of Osteopathic Medicine, to inpatient and outpatient care – can all be covered when supported by expert exams, proper treatment plans, diagnostic services – like MRIs, PET/CT scans and ultrasounds – validated surgeries, orthopedic devices and supportive care. Essentially every type and form of care needed to assist in a full recovery from their personal injury claim is potentially coverable by medical funding.

Every medical funding company has its own rules and best practices. Before providing patients with healthcare options, FAQ’s 5-8 are a few good questions to ask, along with resources to benchmark the quality of the medical funding companies you may be considering.

A financially sound medical funder should be able to fund just about any legitimate claim. If a company you are considering can only fund up to a certain amount, consider that they may not be the level of funder you need or want to refer your patients to. Remember, they are supposed to be a source of relief, not another financial burden in the path to your patient’s recovery.

Medical funding is based on medically-validated care, with funds being paid directly to the medical providers to cover the cost of all treatments. Pragma Intel is here to train your providers on how to medically validate your care.

Quality medical funding providers will have no out-of- pocket expenses to pass along to patients. Personal injury claimants will not be charged upfront fees, nor should they be charged interest for the medical funding needed for their treatments. This, however, is determined on a state-by- state basis, with some states enforcing non-recourse laws on medical funding and liens. Meaning, if a patient’s claim is not awarded, he or she does not have to pay back the funds. This is what we provide at Cherokee Funding in the state of Georgia – non-recourse medical funding – so that in the instances where injured plaintiffs do not receive any settlements, they do not have to pay back the medical invoices or the funds they received to get medical treatment.

When they happen, injuries need to be taken care of as quickly as possible, which is why Cherokee Funding is home to Same Day Funding™. This allows Cherokee Funding clients to get access to the money they need as quickly as possible. There is no credit check required, and our application process is fast, easy and comes at no cost to plaintiffs.

Medical funding providers will need to know the nature of the patient’s injuries, and it is critical that they are properly documented in order to move the process along as quickly as possible but also so they can be supported during the personal injury claim process. For this form of specialized personal injury claim documenting, please consider Pragma Intel.

Since every medical funding company has its own protocols, it’s important as a medical provider to be familiar with them before your patients need them.


  • How quickly the company reviews and approves applications
  • How long it takes for patients to receive funds after their care has been approved
  • How long it takes to schedule appointments with the necessary doctors
  • How convenient the medical providers locations are to the patient

Good quality medical funding providers will usually provide funding within a few days, once the paperwork has been properly completed and submitted.

A patient should inform their attorney of their interest in obtaining medical funding as soon as it’s being considered. Doing this will enable a patient to get quicker attorney support for this critical step in their care.

Sometimes even the best cases are lost, although thankfully this does not happen very often. But, even the cases that are won do not always secure enough funding to cover the costs of care. What happens to you as a provider and to your patient when the medical funding provided isn’t covered by the settlement award? Do you or your patent have to refund any of your medical funding payments?

Where state law allows it, medical funding providers offer funding on a non-recourse basis. Non-recourse means that the funding being provided is not a loan, which is also why there should not be any interest associated with this type of funding for patients.

Each state has its own set of rules regarding medical funding, with the idea being that non-recourse medical funding covers the cost of healthcare providers for medical treatments and the funder gets paid back when and if a patient’s case settles. If the case is lost, no repayment is required by the doctor or the patient.