Can I afford a second full-time clinician?
Weighing itStarts Nov 2Updated Today
What it does to your runway
Without it52+ weeks
If you say yes15 weeks
Your cash dips under your floor the week of Feb 1, down to $11,154.
If you say yesWithout itLowest week
Try instead
Start her on January 4 instead
Runway 25 weeksWhat changes
- Salary and payroll taxes$3,300 every payrollFrom Nov 2
- Laptop, EHR seat, onboarding$2,500 onceNov 2
- Her sessions, while credentialing$0Nov to Feb
- Her sessions, once insurance paysabout $4,800 a weekFrom late Feb, ramping up
In your words
“Every time I think about it I open the bank app and close it again. I just need to know if I can carry her until insurance starts paying.”
Your note, Today
What Stellium sees
Insurance usually takes about four months to start paying for a new clinician. So for November through February you'd be carrying her salary on your own, right through the slow December weeks and the January tax payment.
Your cash dips under your floor the first week of February, right after the January tax payment and February rent. Once her sessions start paying, she more than covers herself.
Starting her in January gives you about ten more weeks of runway. Tap "Show me" to see it.