OHIPay vs CabMD.
OHIPay caps at $29.99/month + HST. CabMD's Self-Service plan is a flat $40/month, and its scheduler is a separate $29.99/month add-on. CabMD is a well-established Ontario product with real strengths. This is the full, sourced comparison, including where CabMD is the better choice.
A cap versus a flat fee
The two tools price OHIP billing differently. OHIPay charges 0.25% of your monthly remittance, capped at $29.99 plus HST. At low volume it runs below $29.99; it never runs above. CabMD's Self-Service plan is a flat $40 per physician per month, whatever your volume. CabMD also offers a Full-Service option at 1.95% of paid claims, where an agent does the billing for you, and its built-in scheduler is a separate $29.99/month add-on.
OHIPay's ceiling ($29.99) sits below CabMD's flat Self-Service fee ($40), so the software cost is lower at every billing volume when you compare like for like. The two products are not identical in scope, though. CabMD includes things OHIPay deliberately leaves out, and that is where the honest part of this comparison begins.
OHIPay vs CabMD
| Feature | OHIPay | CabMD |
|---|---|---|
| Price model | 0.25% of each monthly remittance, software-only | Self-Service $40/mo flat per physician; Full-Service 1.95% (via JCL) |
| Monthly cap | $29.99/mo + HST (hard cap) | Flat $40 (no cap); Full-Service 1.95% uncapped |
| Human-agent / full-service tier | None (software-only) | Yes — Full-Service 1.95% (JCL) |
| Per-claim fee | None | None (unlimited OHIP + non-OHIP) |
| Free trial | 2 months free | 60 days (Self-Service) |
| Provinces | Ontario only | Ontario only |
| Advisory / rejection prevention | Advisory, non-blocking; each warning tagged with the OHIP rejection code | Pre-submission missing-info check; error highlighting on rejects |
| Health-card validation | MOH conformance-tested HCV | Card scanning + demographic lookup; real-time HCV eligibility not publicly documented |
| Premium automation | Named per-code: MRP E082/E083/E084, after-hours E409/E410, IPTMA | “Identifies billing opportunities”; per-premium auto-calc not publicly documented |
| Remittance (RA) reconciliation | Yes — ingest, reconcile, report | Yes — auto RA retrieval + RAI dispute flow |
| Inpatient / rounding | Yes — Billing Sheet + IPTMA | Yes — Roster + Inpatient Claim Wizard |
| Out-of-province (RMB) | Yes (all provinces except Quebec) | Yes |
| Mobile app | Yes | Yes (iOS / Android, GPS) |
| Scheduling | No | Yes — add-on $29.99/mo |
| Scale / # physicians (self-reported) | Newer / Ontario-only | Self-reported 8,500+, ~$105M billed/month |
Verified 2026-07-23. Competitor figures are from their own public pages (see Sources); vendor-reported counts are labelled as such. Cells marked “not publicly listed/documented” were not stated on the vendor’s public site.
Where CabMD is genuinely strong
CabMD is one of Ontario's longest-standing OHIP billing tools, and it earns real credit. It describes itself as one of the first internet-based OHIP billing services in the province, and it reports a large installed base: 8,500+ physicians (self-reported) and roughly $105M in claims billed per month. It offers a generous 60-day free trial, unlimited OHIP and non-OHIP claims with no per-claim fee, a mobile app with GPS, an integrated scheduler, and an automated remittance workflow with an RAI dispute flow for challenging rejected or adjusted claims. It also runs a Full-Service (JCL) option where an agent handles billing end to end. Those are substantive features, and for many practices they are exactly the right fit.
An honest counterpoint. CabMD's flat $40/month is genuinely simple to reason about: one number, no volume math, no crossover point to calculate. CabMD also bundles scheduling and offers a full-service option that OHIPay, as software-only, deliberately does not. If you value a single all-in tool, or want someone else to do the billing, that is a real advantage in CabMD's column.
What OHIPay does differently
A cap below the flat fee. OHIPay's fee is capped at $29.99/month plus HST, which sits below CabMD's $40/month flat Self-Service fee at every billing volume. At low volume OHIPay's 0.25% can be lower still. If CabMD's scheduler add-on ($29.99/month) matters to you, factor it in; OHIPay does not offer scheduling at all.
Rejection advisories tagged to the code. OHIPay's engine is advisory and non-blocking. It flags likely rejections without ever stopping a claim, and tags each warning with the specific OHIP rejection code it is trying to prevent, so you know exactly why a claim may bounce. CabMD's public pages describe a pre-submission missing-information check and error highlighting on rejected claims; how it maps warnings to individual OHIP rejection codes is not publicly documented.
Named-premium automation. OHIPay documents per-code premium automation by name: MRP E082/E083/E084, after-hours E409/E410, and the IPTMA inpatient-rounding macro. CabMD markets that it "identifies billing opportunities," but its per-premium auto-calculation is not publicly documented at the code level, so we compare what each vendor actually states rather than assume parity. OHIPay also starts with 2 months free, comparable to CabMD's 60-day trial.
When to choose CabMD
Choose CabMD if you want a single tool that also handles scheduling, if you prefer a flat, predictable $40/month with no volume math, if you want the option to hand billing to a full-service agent (the 1.95% JCL option), or if a long Ontario track record and a large installed base give you confidence. Its 60-day trial, GPS mobile app, and RAI dispute workflow are genuine reasons to pick it. OHIPay is the better fit for the opposite priorities: the lowest capped software cost ($29.99 vs $40), rejection warnings tagged to the exact OHIP code, and named Ontario premium automation, with no need for built-in scheduling or a full-service tier.
Related comparisons
OHIPay vs CabMD, answered
How much does CabMD cost?
CabMD's Self-Service plan is $40/month per physician. Its Full-Service (agent) option is 1.95% of paid claims, and the built-in scheduler is a $29.99/month add-on. (Verified July 2026; see Sources.)
Is OHIPay cheaper than CabMD?
OHIPay's fee is capped at $29.99/month, which is below CabMD's $40/month flat Self-Service fee at every billing volume. CabMD's scheduler is a separate $29.99/month on top.
What is a CabMD alternative?
OHIPay is an Ontario OHIP billing alternative with a $29.99/month cap, rejection-code-tagged advisories, and named-premium automation; CabMD adds scheduling and a full-service option OHIPay doesn't.
Where these facts come from
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