Claims workbench/CLM-2026-006036
Professional claim · CMS-1500 · Paper

CLM-2026-006036

Harbor Medical Group, Internal Medicine. Service 2026-02-25 at office (POS 11). Received 2026-04-04.

DeniedOut of network
Billed
$533.00
3 lines
Allowed
$239.85
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 ID
UHC-80524-88
Date of birth
1972-08-16
Identity
Verified5 records, confidence 1.00
Claim record
CLMCLM-419417
Relationship
Self, Nashville, TN

Coverage and accumulators

Found by member ID

Plan
NAVIGATE-HMO HMO group GRP-4845
Coverage period
2023-08-01 to present
Deductible
$154.91 of $2,500.006%
Out-of-pocket maximum
$375.34 of $10,000.004%
Copays
office $30.00, specialist $75.00, emergency $350.00
Physical therapy visits
9 of 20 used

Provider

Billing and rendering

Billing provider
Harbor Medical Group
Internal Medicine · taxonomy 207R00000X
NPI
9527891607
Network
Out of network
Rendering NPI
4577934852
Location
Charlotte, NC · TIN 28-8078153
Authorisation / referral
none / REF489655

Service lines

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

LineCodeDescriptionMod.UnitsDxBilledAllowedMemberPlanLine status
199215Office visit, established patient, high complexity—11$367.00$165.15——DeniedCO204
293000Electrocardiogram with interpretation—12$108.00$48.60——DeniedCO204
380053Comprehensive metabolic panel—11$58.00$26.10——DeniedCO204
Totals$533.00$239.85——
Diagnoses (ICD-10-CM)
  • 1. J44.9 COPD, unspecifiedprincipal
  • 2. I48.91 Unspecified atrial fibrillation
Claim header
Patient account
PA-392698
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

CheckResultCodeDetail
Member identityPassAttached to MBR-002098 (verified, link confidence 1.00).
EligibilityPassActive on 2026-02-25: NAVIGATE-HMO (HMO), effective 2023-08-01.
Timely filingPassReceived 38 days after service (limit 90).
Duplicate checkPassNo matching prior claim in the duplicate window.
Prior authorisationPassNo line requires precertification.
Provider networkFailCO204Billing provider 9527891607 is out of network and the HMO plan has no out-of-network benefit.
Service not covered under the member's plan
Medical necessityPassDiagnosis supports the procedures billed.
Bundling (NCCI)PassNo bundling conflicts.
Benefit limitsPassNo limited benefit on this claim.
CompletenessPassRequired documentation present.
High-dollar reviewPassWithin 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: Harbor Medical Group2026-02-25 09:35

    Established patient presents with copd, unspecified; symptoms reviewed and vitals within expected range.

  • SystemSystem: Claims system2026-04-04 00:40

    Billing provider is out of network and the member's plan has no out-of-network benefit outside of emergencies.

  • AdministrativeExaminer: L. Brooks (Nurse Reviewer, RN)2026-04-04 15:47

    Escalated to nurse reviewer for clinical opinion.

Attachments

Documents received with the claim

No attachments.

Claim history

Every event on this claim, sealed in the audit chain

  1. Rules engineDenied2026-10-21 13:43
    Provider network: Billing provider 9527891607 is out of network and the HMO plan has no out-of-network benefit.

Other claims for this member

Same resolved identity

No other claims.

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
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.