White-label medical billing services for billing companies, consultants and MSOs
White-label medical billing means we do the billing and revenue cycle work for your clients while you keep the client relationship and the brand. You own the contract with the practice. We work behind you, under a business associate agreement with you.
Written by Salman Saeed, CEO and Co-Founder · Reviewed by a Certified Medical Coder · Last reviewed October 2026
In short: white-label billing lets a consultancy, management company or MSO offer billing without building the team. Your clients deal with you. We work in their systems under your name, bound by a written subcontractor agreement that carries HIPAA obligations down to us.
What is white-label medical billing?
White-label medical billing is an arrangement where one company performs billing and RCM work and another company presents it to the end client as its own service. The partner holds the client relationship. We hold the work.
It is also called private-label billing. The practice or facility that sends the claims sees your name on reports, emails and portals. Behind that, our team does the charge entry, claim submission, payment posting and follow-up.
We do not describe this as a reseller deal. It is a delivery partnership: you sell and manage, we deliver the billing work under the structure you set.
Is white-label right for a consultancy, a management company or an MSO?
Yes, if you already hold the relationship with practices or facilities and want to add or expand billing without hiring a full billing floor. The fit depends on what you sell, not on what you are called.
| Partner type | How white-label usually works |
|---|---|
| Practice consultancy | You advise on operations and add billing as a service. We handle the claim work, you keep the advice and the client contact. |
| Management company | You run administration for several practices. We bill for them under your name so every location reports the same way. |
| MSO (management services organization) | You provide shared services to affiliated groups. We run billing across the groups. If your groups use different EHRs, we work in each one. |
| Billing company | You have clients and want more delivery capacity, or a service line you do not run yourself, such as hospital and facility billing or out-of-network disputes. |
If your clients are large groups or health systems, read how we support large groups and health systems, because many of those organisations contract through an MSO.
What do we do under your brand, and what stays with you?
Which services run under your name is agreed with you client by client, from front-end eligibility checks to back-end A/R. The core is medical billing; the wider scope is revenue cycle management.
Credentialing and payer contracting can sit inside the same arrangement. See credentialing and enrollment and payer contracting for what those cover.
Who is the billing partner's customer in a white-label deal?
The practice, facility or group is your customer, and it stays yours. Our role is the billing work set out in your agreement.
How we keep that clean in practice is set in the agreement before onboarding: who the client contacts, who speaks to the client's payers, and which name appears on correspondence. The exact terms are agreed with you on a call, not fixed on this page.
Will our clients ever see your company name?
That is set in your agreement. The point of white-label is that the client sees your brand. Where our name has to appear for a legal reason, such as on a signed agreement or in an access request to a system, we agree the wording with you first.
To protect your client relationships, the agreement can set rules on direct contact, confidentiality and who handles client questions. Our staff are covered by NDAs and HIPAA training, and we sign a Business Associate Agreement with every client, which includes white-label partners.
Is a Business Associate Agreement required between all parties?
A written contract is required at each hand-off where protected health information (PHI) is passed to someone acting for another party. In a white-label deal that means two agreements: one between the practice and you, and one between you and us.
Under 45 CFR 164.502(e)(1)(ii), a business associate may disclose PHI to a business associate that is a subcontractor. The business associate must have satisfactory assurances, and under 164.502(e)(2) those assurances must be documented through a written contract that meets 164.504(e).
In the same regulation, 164.502(e)(1)(i) says a covered entity is not required to obtain satisfactory assurances from a business associate that is a subcontractor. So the practice does not have to sign directly with us. The agreement between you and us has to do that work.
Under 45 CFR 160.103, a business associate includes a subcontractor that creates, receives, maintains or transmits PHI on behalf of the business associate. The same section defines a subcontractor as a person to whom a business associate delegates a function, activity or service, other than as a member of its own workforce.
Because of that, we are your subcontractor business associate. Under 45 CFR 164.504(e)(5), the contract requirements in 164.504(e)(2) through (e)(4) apply between a business associate and its subcontractor in the same manner as between a covered entity and a business associate.
| Contract | Between | What it must cover (45 CFR 164.504(e)(2)) |
|---|---|---|
| Business associate agreement | Practice or facility and you | The permitted and required uses and disclosures of PHI, and no other use or further disclosure than the contract allows or the law requires |
| Subcontractor business associate agreement | You and Nucleus Align | The same restrictions and conditions that apply to you for that PHI, and your right to end the contract if a material term is violated |
How do you protect client data and control access?
We sign a Business Associate Agreement with every client, train all staff on HIPAA, put all staff under NDAs, and require two-step login on every system. Backups are encrypted and automatic. A dedicated compliance officer oversees compliance.
We work in the client's EHR, clearinghouse and payer portals. How access is requested and approved is set out in the agreement with you and your client. Full details are on our security and HIPAA page.
Under the minimum necessary standard, a person should see only the PHI needed for the task. We apply that when we set up accounts for each client, so billing staff are given the access their work needs.
Which systems do you work in?
We work in your client's own systems. We align each EHR, clearinghouse and payer portal workflow with verified team experience, standard claim validation, reconciliation controls and performance monitoring.
That matters for an MSO with a mix of platforms. We do not ask you to move every client to one system before we start.
We do not publish a list of supported systems here. Tell us which EHRs and clearinghouses your clients use when you book a call, and we confirm what our team has worked in.
Who handles payer calls, appeals and portals?
We do. Payer follow-up, denial work and portal work are part of the delivery side. Denials are worked within 48 hours.
If a payer needs to hear from the practice itself, for example to confirm who is authorised to act for it, we tell you what is needed and you coordinate with your client.
What reporting do we get to pass on to our clients?
Reporting you can pass to each client is agreed with you at onboarding. The measures billing leads watch, and that a report can cover, in them are clean claim rate, denial rate, days in A/R and net collection rate.
The exact report layout, frequency and branding are set with you at onboarding. We do not state a fixed report schedule on this page.
These numbers are made up to show the layout, not real results.
How are revenue and fees split in a white-label arrangement?
The split is agreed per partner, because it depends on which services we deliver and how many clients you bring. We do not publish a split on this page. Send us your client mix through our contact page and we set out terms in writing.
Our standard billing rates for direct clients are on the pricing page.
How fast can a new client be onboarded, and can you scale as we add clients?
Onboarding time depends on the client's system access, the state of their open A/R and the speed of the paperwork. We do not promise a fixed number of days on this page.
Delivery is run by our team rather than your staff, so adding a client is a capacity conversation. Tell us the volume you expect and we plan it with you.
What happens if we end the partnership?
The exit terms are set in your agreement with us, and we agree them with you before work starts.
Under 45 CFR 164.504(e)(2)(iii), a business associate contract must authorize termination by the other party if the business associate has violated a material term. Your agreement with us reflects that right.
How we handle white-label billing
We start with the structure, then the people, then the systems. Agreements come first, access second, billing third. We have billed for US practices since 2018, with a 95% clean claim rate and 97% client retention.
Our results include a 25% average revenue lift and 15 to 20% of revenue recovered from denials and old A/R. Your clients' results will depend on their payer mix and starting position.
To talk through your client mix and how it would run under your name, book a call.
- 45 CFR 164.502, Uses and disclosures of PHI: general rules · eCFR
- 45 CFR 164.504, Uses and disclosures: organizational requirements · eCFR
- 45 CFR 160.103, Definitions · eCFR
We check every rule, code and deadline against the official source. See our editorial policy.
Who we do this for
Common questions
Straight answers from the team that does the work.
Ask a billing lead directly. A 20-minute call, Monday to Friday, 9am to 5pm Eastern.
01What is white-label medical billing?
It is an arrangement where we do the billing and revenue cycle work and you present it to your clients as your own service. You hold the client relationship and the brand. We deliver the work behind you under a written subcontractor agreement.
02How are revenue and fees split in a white-label arrangement?
The split is set per partner based on services delivered and client volume. We do not publish a split. Contact us with your client mix and we set the terms out in writing. The split depends on the services we deliver and the client volume you bring. Contact us with your client mix and we set the terms out in writing before work starts.
03Will our clients ever see your company name?
That is set in your agreement. The model is that the client sees your brand. If our name must appear for legal or access reasons, we agree the wording with you first. Where a signed agreement or system access request needs our name, we agree that wording with you first, so nothing reaches your client without your knowing.
04Who handles payer calls, appeals and portals?
We do, as part of the delivery work. Denials are worked within 48 hours. If a payer needs something only the practice can give, we tell you what is needed and you coordinate with your client. That covers payer calls, appeals and portal work on every account in scope.
05Which systems do you work in?
We work in each client's own EHR, clearinghouse and payer portals, aligned with verified team experience and reconciliation controls. Tell us your clients' systems when you book a call and we confirm what our team has worked in. We do not publish a fixed list of supported systems on this page.
06How do you protect our client relationships?
Staff are under NDAs and HIPAA training, and the agreement can set rules on direct contact and who handles client questions. We sign a Business Associate Agreement with every client. Two-step login is on every system we use, and we have a dedicated compliance officer.
07Is a Business Associate Agreement required between all parties?
Not directly between the practice and us. Under 45 CFR 164.502(e), a written contract is required between the covered entity and its business associate, and between that business associate and its subcontractor. A covered entity need not get assurances from a subcontractor itself.
08Can you scale as we add new clients?
Delivery is handled by our team, not your staff, so adding a client is a capacity conversation. Tell us the volume you expect and we plan it with you before you sign the new client. We confirm capacity with you before onboarding.
09What reporting do we get to pass on to our clients?
Reporting you can pass on is agreed with you at onboarding. Measures a billing report can cover include clean claim rate, denial rate and days in A/R. Layout, frequency and branding are set with you. We do not fix a report schedule on this page.
10Is white-label right for a consultancy, a management company or an MSO?
Yes, if you hold the client relationship and want billing delivered without building the team. A consultancy adds a service, a management company standardises reporting, and an MSO covers groups on different EHRs. We confirm fit on a call once we know your client mix.
11How fast can a new client be onboarded?
It depends on system access, open A/R and paperwork. We do not promise a fixed number of days. We sign agreements first, then set up access, review open items and go live. Timing is confirmed on a call once we know the client's systems.
12What happens if we end the partnership?
Exit terms are set in your agreement with us before work starts. Under 45 CFR 164.504(e)(2)(iii), a business associate contract must allow termination if a material term is violated. We agree the wind-down and handover steps with you before work starts.
Talk to a billing lead.
A 20-minute call about your payers, volume and setup. Monday to Friday, 9am to 5pm Eastern.