Claims workbench/CLM-2026-000788

Professional claim · CMS-1500 · EDI 837P

CLM-2026-000788

Cornerstone Reference Lab, Clinical Laboratory. Service 2026-02-22 at independent laboratory (POS 81). Received 2026-04-08.

DeniedOut of network

Billed

$155.00

3 lines

Allowed

$69.75

if approved

Plan pays

—

Denied

Member owes

—

copay / deductible / 30% coinsurance

Rules engine

Deny

CO204

Decided by

Claims rules engine

2026-10-21 13:43

Member

Resolved through the identity graph

Member: Andrea Carroll
Member ID: UHC-45950-02
Date of birth: 1988-07-02
Identity: Verified4 records, confidence 0.99
Claim record: CLMCLM-408956
Relationship: Spouse, Sacramento, CA

Coverage and accumulators

Found by member ID

Plan: CORE-HMO HMO group GRP-8898
Coverage period: 2023-02-01 to present
Deductible: $199.58 of $1,500.0013%
Out-of-pocket maximum: $2,515.63 of $6,000.0042%
Copays: office $25.00, specialist $75.00, emergency $150.00
Physical therapy visits: 5 of 20 used

Provider

Billing and rendering

Billing provider: Cornerstone Reference Lab
Clinical Laboratory · taxonomy 291U00000X
NPI: 5966486339
Network: Out of network
Rendering NPI: 5966486339
Location: San Diego, CA · TIN 79-8835639
Authorisation / referral: none / REF903587

Service lines

CMS-1500: procedures, modifiers, units, charges and the pricing outcome per line

Line	Code	Description	Mod.	Units	Dx	Billed	Allowed	Member	Plan	Line status
1	87086	Urine culture	—	1	1	$32.00	$14.40	—	—	DeniedCO204
2	80061	Lipid panel	—	1	2	$63.00	$28.35	—	—	DeniedCO204
3	85025	Complete blood count with differential	—	1	1	$60.00	$27.00	—	—	DeniedCO204
Totals						$155.00	$69.75	—	—

Diagnoses (ICD-10-CM)

1. N39.0 Urinary tract infection, site not specifiedprincipal

Claim header

Patient account: PA-996100
Frequency code: 1 (original)
Accident: No
DRG: —
Admit / discharge: —
Landed: 2026-10-21 13:43

Rules engine

CLAIMS-ADJ v1: 11 checks, 1 needing attention

Check	Result	Code	Detail
Member identity	Pass		Attached to MBR-024646 (verified, link confidence 0.99).
Eligibility	Pass		Active on 2026-02-22: CORE-HMO (HMO), effective 2023-02-01.
Timely filing	Pass		Received 45 days after service (limit 90).
Duplicate check	Pass		No matching prior claim in the duplicate window.
Prior authorisation	Pass		No line requires precertification.
Provider network	Fail	CO204	Billing provider 5966486339 is out of network and the HMO plan has no out-of-network benefit. Service not covered under the member's plan
Medical necessity	Pass		Diagnosis supports the procedures billed.
Bundling (NCCI)	Pass		No bundling conflicts.
Benefit limits	Pass		No limited benefit on this claim.
Completeness	Pass		Required documentation present.
High-dollar review	Pass		Within the auto-adjudication ceiling.

Evaluated 2026-10-21 13:43 under policy version 1. Hard rule fired: Denied.

Notes

Provider, system and examiner notes on this claim

ClinicalProvider: Cornerstone Reference Lab2026-02-22 16:08
Established patient presents with urinary tract infection, site not specified; symptoms reviewed and vitals within expected range.
SystemSystem: Claims system2026-04-08 06:41
Billing provider is out of network and the member's plan has no out-of-network benefit outside of emergencies.
AdministrativeExaminer: M. Alvarez (Claims Examiner I)2026-04-08 11:45
Reviewed with the member's history on file. Holding for the items listed above.

Attachments

Documents received with the claim

No attachments.

Claim history

Every event on this claim, sealed in the audit chain

Rules engineDenied2026-10-21 13:43
Provider network: Billing provider 5966486339 is out of network and the HMO plan has no out-of-network benefit.

Other claims for this member

Same resolved identity

Claim	Service	Provider	Billed	Status
CLM-2026-020898	2026-10-02	Pinecrest Behavioral Health	$557.00	Approved
CLM-2026-011655	2026-07-16	Northgate Heart Institute	$6,431.00	Needs review
CLM-2026-011654	2026-07-16	Northgate Heart Institute	$6,431.00	Approved

AI recommendation

assist mode · apac.amazon.nova-pro-v1:0

A hard rule decided this claim; the AI is advisory here.

Examiner decision

Denied by Claims rules engine; an examiner may still override

Outcome

Approve and pay as pricedAllowed amount, member responsibility and plan payment are applied to every line.DenyNo payment. Reason codes go on the remittance advice and the member's explanation of benefits.Pend for informationHold the claim; a development letter or confirmation is needed before it can be finalised.Refer to special investigationsRoute to the SIU for a fraud, waste and abuse review. No payment until cleared.

Examiner rationale *

At least 8 characters (0/8)

ExaminerR. Patel (Claims Examiner II)

Choose an outcome

Evaluation truth

Hidden label from the synthetic generator; never shown to the model

DeniedCO204scenario: Oon hmo

No out-of-network benefit on this plan.

Review queue Member identity