---
title: Your Community Needs You
description: Your Community Needs You
---
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# Your Community Needs You
Posted by [Jessica Toney](https://blog.epicriver.com/author/jessica-toney) | Nov 24, 2014, 9:24:59 AM
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I had a conversation with a local medical provider this morning, and after we talked I was more sure than ever that if you're a community bank or a regional bank, the community or communities you serve need your help. Please.
The cavalcade of changes to healthcare and insurance these days is just too much for the average person to keep up with and internalize. The result is so many people with high-deductible health insurance. Insurance plans that expire or terminate without providing the policy holder with enough time to let all of their doctors and hospitals know. Policies that significantly change coverages during renewal periods or even during the plan year. These people who are "covered" by insurance generally have NO IDEA what their deductible or co-pay or coverage amounts are.
This causes billing "surprises" as in, "Woah. I had no idea we were going to have to pay so much." Without an alternative patients in *your community* are turning to high interest credit cards, patient financing credit cards (with even higher penalties and interest rates after promotional periods end).
It's not up to a community bank to solve the healthcare and health insurance mess that we're in, but it is in all of our best interests for community banks to provide patient financing services to your communities so when someone has the "uh-oh" experience of an unexpected medical bill, there is an option that will be good for the patient, good for the medical provider and good for the bank. Full disclosure - and good for us on the MyLoans™ team. We don't hide the fact that we make money when the bank buys the software from us...but we are far more proud of the fact that EVERYONE in the value chain benefits. Patient. Doctor. Bank.
Your community needs you. Give us a call. This isn't too good to be true. It's just a good idea and a strong product that serves a market need.
**About MyLoans™**
By providing patients with fast access to medical loans at a fair and unchanging interest rate, the MyLoans™ software by Epic River enables financial institutions to ease the financial stress of health care through collaboration with medical providers. Not only can medical providers offer patient financing between banks and patients for medical care needs, but doctors and hospitals alike can finally get immediate funding of their patient’s outstanding balances. Additionally, financial institutions gain new customers and interest income with little administrative overhead in exchange for servicing the loan. For more information, visit [www.myloans.co](http://www.myloans.co/).
**About Epic River, LLC**
Since its inception in 2005, Epic River has been providing high quality software services aimed at solving process-intensive problems. With a focus on high quality and rapid delivery, Epic River’s methodology accelerates the process of innovation while keeping a firm grasp on the business case behind the application, enabling our partners to grow their market leadership. The company’s unique approach to the agile methodology and user experience ensures both parties work closely together every step of the way. Whether you’re looking to expand into new technologies or markets, need a custom internal tool, assistance with architecture, or simply need someone you can trust to make technology decisions, Epic River is at your service. For more information, visit [www.epicriver.com](http://www.epicriver.com/).
Topics: [News](https://blog.epicriver.com/topic/news)
#### Written by [Jessica Toney](https://blog.epicriver.com/author/jessica-toney)
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