Healthcare collection agency for hospitals and healthcare providers.
Helping Healthcare Providers Collect More.


Helpful. Honest. Persistent.

History & Purpose

Healthcare collections through exceptional customer service is why CAF is the premier collection agency partner for medical providers who want to thrive in a value-based healthcare industry.

Founded in 2008, in the midst of the "Great Recession," CAF was built on overcoming adversity through perseverance. While we have grown significantly, and the economy has greatly improved since that time, we at CAF still focus on the core beliefs that brought us this far - be helpful, be honest, and be persistent. It is these beliefs that enable us to build strong, productive relationships and always collect more for our healthcare provider clients.

Our purpose is to improve our healthcare provider clients' cash flow and financial stability, through strong service and collection, so they may continue to provide critical healthcare services to their patients for many years to come.  To this end, no collection agency will work harder to collect on your behalf.


Get in touch

We at CAF know that finding the right collection agency partner to represent you is a choice not to be taken lightly. That’s why we offer free consultations to discuss your specific needs, the scope of your goals, and our custom solutions for your healthcare collection needs.

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Our Executive Team

Gary Dwight, Managing Partner, CAF

managing Partner

Gary W. Dwight

Gary's background includes over 25 years of risk and cash flow management for some of the largest financial institutions in the world. In 2008, Gary founded Cross America Financial, LLC to assist hospitals with issues affecting their revenue cycle.  Currently, Gary serves as Managing Partner of CAF, and is an active leader in the community.



B.S., Finance, 1984


Activities & Affiliations

• President, Cabrillo Beach Boosters
• Past Treasurer, Port Tech Los Angeles


Bret O'Connor, Partner, CAF


Bret O'Connor

Bret has focused on building and leading innovative small businesses for almost 20 years.  His experiences have spanned numerous industries, from tech to steel, to toys to healthcare.  For the past 6 years, Bret has led operations for CAF during its significant expansion. In addition to his active role within healthcare organizations, such as the HFMA, Bret enjoys advising tech startups, mentoring first generation college students, and spending time with family and friends.



M.B.A., 2003

B.S., Marketing, 1994

Activities & Affiliations

• Board Member, Healthcare Financial Management Association (SoCal Chapter)
• Board Member, Del Rey Neighborhood Council
• Mentor to 1st Generation College Students, Tiger Woods Foundation
• Adviser to technology startups

Awards & Certifications

• Certified Healthcare Financial Professional (CHFP), HFMA




Bonnie Kemp

Bonnie serves as Director of Patient Services for CAF.  She leverages her 30 years of customer service and collection experience to provide the highest quality patient services, from early outs to bad debt, to CAF's clients.  Bonnie trains her team to be an extension of yours, providing the highest level of customer service to patients, while still emphasizing their financial commitment to you.  Bonnie has proven that kindness and reason are more effective tools in collection, and result in greater patient satisfaction and higher collection rates.



Adriana Musick

Adriana serves as Director of Insurance Recovery for CAF.  With almost 20 years of experience in reimbursement analysis, insurance follow up and denial management, Adriana helps CAF leverage the people and processes necessary to close underpaid and denied claims in an effective and efficient manner. Her highly trained team is able to rebuke payer arguments, confront stalling tactics, and write concise, reasoned appeals that get paid.