The California Medical Association (CMA) has received numerous calls from physicians who are concerned about the financial solvency of their payors. Symptoms of insolvent health plans, independent practice associations, or other payors include the failure to pay claims or release checks in a timely manner. When experiencing repeated payment delays, the first step to take is to investigate the financial health of the payor. The CMA has compiled instructions on how to research the financial solvency of health plans and risk-bearing organizations (RBOs) that is free to ACCMA members at The CMA document also discusses the options available to physicians when a payor stops paying claims. For further help, contact the CMA’s reimbursement help line at (888) 401-5911 or