The Missing Claims Clearing Layer in U.S. Healthcare

Healthcare processes billions of transactions every year, but it has never
built the neutral clearing infrastructure that every other major industry relies on.

Finance built DTCC

Payments built Visa and ACH

Healthcare never built its clearing system

The Medical Clearing Corporation (MCC) acts as an impartial, non-governmental
transactional platform that standardizes the processing and settlement of
medical claims, while leaving care delivery, benefit structures, and insurer
authorizations untouched. MCC can integrate smoothly into the healthcare
ecosystem, ensuring operational continuity without disruption.

MCC is infrastructure

The Problem

Today:

• Providers submit claims differently to each insurer

• Insurers interpret rules independently

• Denials and appeals multiply

• Administrative waste consumes 25–30% of spending

• Providers wait weeks or months for payment

 • Fraud across this type of fragmented system is inevitable

Healthcare does not lack funding. It lacks standardized transaction rails.

The Solution

MCC:

• Accepts claims in any format

• Normalizes into a unified internal standard

• Applies payer rules through a Universal Rule Engine

• Returns standardized, explainable decisions

• Enables rapid settlement

One claim submission

One rule interpretation

One standardized decision

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