For Raja Chandra, healthcare administration isn’t just about numbers and claims – it’s about people, families, and small practices doing their best for every patient. “What I’m building isn’t a product,” Chandra says. “It’s trust. When a
doctor hands over their billing to us, they’re trusting us to protect their practice and their people – and we do everything to honor that.” This belief is what shaped Apple Billing and Credentialing (ABC), the company Chandra founded in
2017. Today, ABC supports nearly 200 private practices across the United States, with a lean yet resilient workforce spread between Atlanta, Orlando, Houston, and his hometown of Thoothukudi in South India.
At its core, ABC handles revenue cycle management (RCM) – the back-end engine that keeps a clinic’s lights on. From check-ins to claim submissions, denials, appeals, credentialing, and compliance, ABC is designed so that no single point of
failure can stall a practice’s cash flow. “The process is almost like a cycle of eight or nine departments,” he explains. “If one person is out, seven parts still work. So we give the best customer service.”
This operational design didn’t appear overnight. Chandra, a biomedical engineer by training, came to the U.S. in 2001 and was laid off soon after 9/11. “I was about to go home,” he recalls. “Then suddenly one of my cousin’s husbands called
me and said, ‘Hey, I’m starting this new practice. Help me out.’ That’s how it started.”
After years moonlighting in IT while supporting a few clients on the side, he realised independent doctors needed better systems. What began as M.S. Solutions in India grew into multiple ventures covering software consulting, billing, and
analytics. By the time ABC launched, he had seen every inefficiency that slows down private practices, and knew how to fix it.
Today, ABC’s promise is clear:
claims are submitted and followed up without delay. “Denied claims are followed up within 24 hours,” Chandra says. “ERA postings happen in eight hours. We don’t wait 15 days for someone to come back from vacation to look at it.” New clients
often see a 10% revenue boost in their first month, thanks to faster collections and digital transitions that clear backlogs.
But Chandra’s vision goes beyond clean ledgers. ABC is also rooted in social purpose. In Thoothukudi, the port town in Tamil Nadu where he grew up, his company employs nearly 300 people, mostly young women who might otherwise be forced to
leave home for work or settle for jobs far below their potential. “My sister had some astrological issues and couldn’t get married,” he says candidly. “In my town I found many sisters like that. So I changed my vision and mission. We want
to create job opportunities in my hometown.” He’s proud that nearly 80% of ABC’s India workforce is female. “A lot of them are so happy. Some stick with me even after marriage and kids,” he says. It’s a local solution with global impact,
clinics in Florida, Georgia, and Texas can rely on skilled teams working seamlessly behind the scenes.
ABC’s work covers a wide range of specialities, neurology, cardiology, pulmonology, pain management, and more, but the model stays the same: tailored, efficient, and transparent. Custom reports show providers exactly where money gets stuck,
which claims get denied, and how to fix it. There are no cookie-cutter dashboards or generic fixes. Even with rapid growth, Chandra’s personal ethics remain the same ones his father, a government auditor, taught him. Though his father
suffered a stroke in 2017, he still visits the local office in his wheelchair. “He comes twice a day to the office, checks things. He cannot talk, but he’s there,” Chandra says. “He’s my inspiration. Without my father and mother, none of
this is possible.”
What started with just one client and a borrowed laptop is now hundreds of clinics running smoother, thousands of claims paid faster, and hundreds of families in a small South Indian town building a better future, without having to leave
their roots behind. For Raja Chandra, that’s the real bottom line. “Anyone can make money,” he says, “but if your work gives hope to people, whether it’s a doctor here or a young woman back home, then you’ve built something worth leaving
behind.”
In a healthcare system where paperwork too often slows down care, Chandra and ABC prove that good business is simple: help people do what they do best, and do right by them. That promise, clear, practical, and quietly
revolutionary, is what keeps Apple Billing and Credentialing running every day.
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