BILLING · CREDENTIALING · LICENSING · OPERATIONS
Your medical health back office — from first patient to last claim.
IOU Billing helps behavioral health, substance use disorder (SUD), and mental health providers launch, credential, bill, and run their practice — so you can stay focused on patients, not paperwork. US-based, EHR-flexible solutions, and built on 30+ years of payer relationships.
CMRS Certified
Carelon MD Medicaid Expertise
All Clearinghouses & EHR
WHAT WE DO
One partner for the entire practice — launch to daily operations
From the first license application to credentialing to the last claim of the month, IOU Billing covers the full behind-the-scenes operation — and you get one team that actually answers the phone.
Practice Setup & Consulting
NPI, Tax ID, business formation, and the consulting to get your practice off the ground or grow an existing practice and expand already established facilities.
Licensing & Credentialing
New state licensing, replacing an expired license, contracting with Medicare, Medicaid, or commercial insurances, reviewing CAQH for accuracy, or recredentialing and ongoing maintenance.
Practice Accreditation
Joining JCAHO or CARF can be overwhelming and intensive. Reaccreditation can be time consuming.
Verification of Benefits & Eligibility
Fast, accurate VOB and Eligibility so you know coverage before the first session — no surprises for you or your clients.
Medical Billing & Revenue Cycle Management
Billing and scrubbing claims, denial management, monthly reporting and reviews.
Utilization Management
Authorizations and concurrent reviews for Medicaid, TMS, or Spravato, handled by experts who actually know the payers.
Payroll & Back Office Support
Full back-office support so your team can focus on care. Includes all major payroll processing software (ADP, Paychex, Quickbooks, etc.)
Auditing & Reporting
IOU Billing pairs deep expertise in EHRs and insurance with a real person and monthly service and provider reviews to cut your practice’s outstanding balances, unprocessed notes, and denied claims.
Operational Support
User training, workflows, and ongoing compliance infrastructure that keep your practice running clean.
state by state knowledge
We know billing — state by state, plan by plan.
Behavioral health billing changes at every state line — and again at every level of care. IOU Billing works across all 50 states, with hands-on expertise in the program types where practices lose the most revenue. Our team includes former Carelon and Maryland Medicaid staff.
CA · CO · FL · LA · MD · MA · MS · NJ · NM · NV · TX · VA
why providers choose us
Not a platform. Not offshore. A partner.
We answer the phone
Responsive, US-based, and genuinely invested in you — you get people, not a ticket queue.
One team for everything
Licensing, credentialing, billing, and operations under one roof means nothing falls through the cracks between vendors.
State-specific expertise
We know your payers and your state’s rules. Offshore agencies don’t.
Clients stay for decades
When providers start with us, they don’t leave. Some are 30 years and counting. We treat your business like our own.
Works with your system
We bill in whatever EHR you already use
No need to switch software. We have hands-on experience across the platforms you’re running today.
+iCANotes
AdvancedMD
TherapyNotes
TheraNest
SimplePractice
MEDENT
Valant
Alleva
DrChrono
Therapist Helper
Practice Fusion
+ more
why providers choose us
Rated for responsiveness & results
“They answer the phone, they care, and they know how to get things paid. We’ve never looked back.”
— Behavioral Health Group
We know your payers and your state’s rules — offshore agencies don’t.
When providers start with us, they never leave. Some 25 years and counting.
meet the founder
Carolyn Reidy, CMRS — President & CEO
In behavioral health since 1994, Carolyn Reidy built IOU Billing on relationships, expertise, and a refusal to let claims slip through the cracks. What started as billing grew into the full back office behavioral health providers need — licensing, credentialing, billing, and operations. Today her team brings that same care to providers nationwide.
Read Carolyn’s StoryCommon questions
Straight answers, before you call
The questions behavioral health providers ask us most — answered plainly.
IOU Billing is a full-service back office for behavioral health, substance use, and mental health providers. Services include medical billing and revenue cycle management, provider credentialing, licensing and accreditation, verification of benefits, utilization management, practice setup and consulting, and back-office support. The firm is CMRS-certified, woman-owned, and has served providers nationally for over 25 years.
Yes. IOU Billing specializes in Maryland Medicaid billing for SUD, residential, PRP, and mental health programs. The team includes specialists who previously worked at Carelon, Maryland’s behavioral health Medicaid administrator.
IOU Billing serves behavioral health providers nationally, with active client experience in 19 states including Maryland, New York, California, Texas, Florida, and Virginia.
IOU Billing works with 12+ EHR and practice management systems, including iCANotes, TherapyNotes, TheraNest, SimplePractice, AdvancedMD, Valant, Alleva, and DrChrono, among others.
Outsourced medical billing is typically priced as a percentage of monthly collections, so cost scales with revenue. IOU Billing provides a free billing review to give providers a specific quote based on their claim volume and specialty.
From the blog
Answers from people who do this every day
Practical guidance on behavioral health billing, credentialing, licensing, consulting, and Maryland Medicaid — written by the IOU Billing team.
How a Chart Audit Can Uncover Lost Revenue and Coding Problems
September 1, 2026
Many medical practice managers and physician owners assume their revenue cycle is operating at peak efficiency if daily claims are going out and payer payments are coming in. However, behind steady daily operational volume, silent
Read more
7 Warning Signs Your Medical Practice Has an A/R Problem
August 25, 2026
In healthcare management, cash flow crises rarely happen overnight. They build behind the scenes, disguised as pending claims, delayed patient statements, and unworked rejections. Revenue leakage through aging Accounts Receivable (A/R) can silently bleed a
Read more
In-House vs. Outsourced Billing: A Realistic Cost Comparison
July 15, 2026
The honest math behind one of the biggest financial decisions a behavioral health practice makes — including the costs that never show up on the spreadsheet. Ask most practice owners what their in-house billing costs,
Read moreCurious what better billing — and a calmer back office — looks like?
Get a free, no-obligation review of your current billing and AR. We’ll show you what’s leaking revenue and where a full-service partner can take work off your plate.
Request Your Free Review