Payo (PAH-yo) is a Tagalog word. It means advice.
Not the kind of advice that comes from a report or a algorithm or a third-party vendor who has never stood at a bedside, reviewed a chart, or sat across from a payer and fought for a patient's right to care.
The kind that comes from experience. PAYO was founded by a physician executive who spent nearly two decades inside some of the most complex healthcare systems in the country — academic medical centers, integrated health systems, VA hospitals, community hospitals — learning how they work, where they break, and exactly what it takes to fix them. Along the way, one problem kept surfacing. Hospitals were losing revenue not because the care wasn't warranted — but because the right clinical voice wasn't in the room when it mattered most. Denials were going unfought. Appeals were being written without physician-grade authority. Utilization decisions were being made without the expertise to defend them.
The solution wasn't more software. It wasn't another billing vendor. It was the right physician. At the right moment. Saying the right thing.
That is PAYO. We are a team of senior physician executives and clinical advisors who embed directly into your organization — reviewing cases, authoring appeals, guiding utilization decisions, and building the documentation practices that protect your revenue long after we leave.
We bring the clinical credibility that payers respect, the administrative experience that health systems trust, and the cultural understanding that every patient deserves an advocate who truly knows their world. And in our experience, the right advice changes everything.
PAYO Health Advisory
Clinical Wisdom. On Demand.
PAYO is built on a foundation of real clinical leadership.
Dr. Rosita Alyssa Baua Chefetz, MD — Founder & Chief Medical Officer
Dr. Chefetz brings nearly two decades of physician executive experience across some of the nation's most respected health systems. Her career spans academic medicine, federal healthcare, community hospitals, and large integrated systems — giving her a rare, ground-level understanding of how hospitals operate, where revenue is lost, and exactly what it takes to recover it.
She has spent her career at the intersection of clinical excellence and operational performance — which is precisely where PAYO lives.