THE USRAD INVESTMENT THESIS

Built Before. AnciCare Reached 1,200+ Centers by 2002. Building Again.

A co-founder of AnciCare PPO — acquired by CorVel Corporation (NASDAQ: CRVL) in May 2002 — is building the infrastructure layer for diagnostic imaging, applying that experience to a new model for self-funded employers and the patients they cover.

Founder-led conversations about USRad's strategy and growth.

Self-Funded Employers
Primary demand channel
Uninsured & Underinsured
Direct access to imaging
Transparent Pricing
Contracted rates, published upfront
Provider Network
Recruitment and contracting underway

Founder & Track Record

Built by the Founder Who Already Solved This Once

Michael Cabrera is a co-founder of AnciCare PPO — a managed-care imaging carve-out for workers' compensation. USRad is being built for self-funded group health plans and people paying directly for their own imaging.

He built the network to over 1,200 imaging centers by 2002 and more than $16 million in annual revenue by 2001, and it was acquired by CorVel Corporation (NASDAQ: CRVL) in May 2002.

USRad is not a new idea.

It is the evolution of that model — rebuilt with modern infrastructure to scale nationally and serve a significantly larger market.

USRad is designed to transform a traditional network into an infrastructure layer — one that directs patient demand based on performance, not relationships.

"I've seen firsthand how broken the imaging market is — and how powerful it becomes when you fix it.

USRad is the next version of that system, built to scale nationally."

— Michael Cabrera, Founder & CEO
Built AnciCare PPO's National Imaging Network · Acquired by CorVel Corporation, May 2002

AnciCare Track Record

$16M+
Annual Revenue by 2001
1,200+
AnciCare Centers by 2002
1,020
Radiologists Across 23 States, 1999
May 2002
Acquired by CorVel (NASDAQ: CRVL)

Why This Matters

  • · A national imaging network built and scaled from zero
  • · Deep provider relationships built across major markets at AnciCare
  • · Built, scaled and exited a national imaging network
  • · Rebuilding the model with modern infrastructure
app.usrad.com
USRad provider portal appointments view, demonstration data

USRad provider portal · demonstration data

BUILT FOR THE NEXT STAGE

Much of the Infrastructure Is Already Built.

USRad is beyond the concept stage. Core infrastructure has already been developed across the member, provider and internal operating sides of the platform.

MEMBER

Booking & Portal

Imaging search and booking infrastructure, payment collection and authenticated member access have been developed.

PROVIDER

Onboarding & Portal

Provider onboarding and portal infrastructure have been developed to support contracting and network participation.

INTERNAL

Administration

An internal administration and operations portal has been developed for USRad staff.

FOUNDATION

Reference Pricing & Provider Ranking

Reference-pricing and provider-ranking infrastructure has been developed to support provider selection as contracted network supply comes online.

DEVELOPED

Platform Infrastructure

Member booking and portal, provider onboarding and portal, internal administration, reference pricing and provider ranking.

UNDERWAY

Commercialization

Provider recruitment and contracting, alongside development of the self-funded employer channel.

PLANNED

Employer Infrastructure

A dedicated employer portal has not been built. It is planned as a future development layer for self-funded employer clients.

The next stage is commercialization and scale against infrastructure that has already been developed, rather than building the business from concept stage.

The Market Is Massive. And Overlooked.

Employers and patients still face a fragmented imaging market with wide price variation and limited transparency. USRad is being built to address that gap.

Self-Funded Employers

Employers paying directly for imaging face wide price variation with limited visibility into what they are buying

Underserved Patients

Uninsured and underinsured patients delay or skip necessary imaging on cost

Transparent Contracted Pricing

Designed to reduce imaging costs relative to hospital-based care.

How USRad Is Designed to Create Value

Four structural advantages that compound with scale

Supply Aggregation at Scale

Independent imaging centers are being recruited and contracted into a dedicated network, building a differentiated supply base.

Price Compression Engine

Flat-rate upfront pricing is designed to create a consistent pricing benchmark across markets

Quality Standardization Layer

Subspecialized board-certified radiologists across all network centers establish a quality floor that protects the platform's reliability signal

Demand Matching

Designed to match patient demand with contracted providers as network supply comes online.

Capital-Efficient Revenue Model

Under the Provider Service Agreement, USRad is structured to collect payment upfront and to pay providers within 10 business days of Fulfillment Complete.

Employer Programs

Imaging benefits designed for self-insured employer groups — built for volume and capital-light expansion

Transaction Margin

Designed to earn margin on imaging orders placed through the platform.

Data Intelligence

The platform is designed to accumulate pricing and performance data across procedures and markets as transaction volume develops.

USRad is designed to earn margin on efficiency — not denial or volume. Payment is structured to be collected upfront; the provider is paid within 10 business days of Fulfillment Complete.

Strategic Growth Roadmap

Deliberate sequencing: Build network density in imaging, then expand from a position of structural advantage.

Each phase builds on the previous — increasing efficiency, strengthening network effects, and expanding the platform's economic advantage.

1

Phase 1: Network Density

Current Phase

National Supply Density

Build high-density coverage across major metropolitan markets — creating a network advantage that improves matching efficiency and pricing power.

Demand Aggregation Engine

Consolidate patient demand through a unified platform — increasing volume concentration and strengthening routing precision across the network.

Market Standardization

Establish USRad pricing and fulfillment as the benchmark for employer-funded and self-pay imaging — shifting market expectations toward transparent, fixed-rate care.

2

Phase 2: Strategic Expansion

2027+

Adjacency Expansion

Extend the platform into adjacent diagnostic categories using the platform's provider network and demand infrastructure — entering new markets with built-in advantage.

Care Continuum Integration

Expand from diagnostic access into coordinated care pathways — positioning USRad as the entry point into downstream healthcare services.

Additional Payor Channels

Extend beyond the initial payor mix into additional payor models — increasing volume, retention, and lifetime value per patient.

Core Philosophy: USRad does not expand to grow. It expands after establishing network density — leveraging existing supply, demand, and pricing infrastructure to enter adjacent markets with compounding advantage.

Risk-Aware Business Model

AnciCare experience applied to a new model, with modern technology built for scale

AnciCare Success Blueprint

Built to more than $16 million in annual revenue by 2001

Direct operating experience in this market

Acquired by CorVel Corporation (NASDAQ: CRVL), May 2002

Value realised for investors

Deep industry relationships

Built across AnciCare's operating history, 1994–2002

USRad Enhancements

Modern tech stack built for scale

Cloud-native platform built for nationwide expansion

Capital-efficient operations

Providers paid within 10 business days of Fulfillment Complete

Larger addressable market

Employer-funded and self-pay imaging, against AnciCare's workers' comp market

Payment Sequencing

Payment is collected at booking. Providers are paid under the Provider Service Agreement.

At Booking

Patient pays upfront

Fulfillment Complete

Scan performed, final report uploaded

10 Business Days

Provider paid after Fulfillment Complete

Why Now?

Market forces have created the perfect timing for USRad's model

Post-COVID Healthcare

Consumers now expect digital-first, transparent healthcare experiences

Price Transparency Laws

New regulations require hospitals to publish prices, exposing massive markups

Consumer-Driven Care

High-deductible plans push patients to shop for value

Tech Ready

Cloud platforms enable rapid scaling at fraction of historical costs

The window is open now. Price transparency laws, the underinsured gap, and independent center displacement have created conditions that didn't exist five years ago.

Built Before. Building Again.

A direct conversation about USRad's model, strategy and next stage.