American Horizon Financial's (AHF) Medical Lien funding program provides specialty financing solutions to medical providers , such as hospitals, surgical centers, MRI centers and pain management clinics (that offer procedures) nationwide, through the purchase of their personal injury medical liens (Letters Of Protection).
AHF purchases a Letter of Protection (LOP) on a portion of potential proceeds from Personal Injury cases and takes an equitable lien on that specific portion of the proceeds. If the case is dropped or dismissed, AHF typically does not get paid.
AHF Purchases Existing Lien Portfolios
AHF will underwrite cases after surgeries or procedures have taken place. AHF will purchase some or all of a medical provider's current portfolio.
Pre Authorization Program
AHF will analyze a case prior to the performance of a procedure as part of our underwriting process. Pre-authorization helps reduce the probability that medical providers will incur expenses where the likelihood of recovering funds through settlement is unlikely. 100% of the cost of the underwriting process is paid for by AHF regardless of the conclusions. Pre‐authorization saves money and reduces risk for Medical Providers.
Attorney & Medical Provider Relationships
AHF understands that the relationship between attorneys and health care providers involves a great deal of trust. We work to preserve and maintain these integral relationships.
Medical Providers use AHF to create cash flow in order to grow their practice and stay competitive. Our funding programs enable practices to purchasing the most cutting‐edge medical equipment and hire new staff instead of tying up funds in receivables. They use AHF to eliminate risk, save the expense of underwriting cases and provide the time and peace of mind to concentrate on medical procedures not collections.
Which Cases Qualify
How Attorneys Benefit from Medical Lien Funding:
Finding doctors and surgery centers willing to perform medical procedures on a Letter of Protection basis is a challenge. AHF will finance the LOPs and even pre-approve a case so attorneys can select the doctors they really want and provide them with advance funding.