Claims workbench/CLM-2026-009151

Institutional claim · UB-04 · EDI 837I

CLM-2026-009151

Desert Reference Lab, Clinical Laboratory. Service 2026-09-01 at outpatient hospital (POS 22). Received 2026-09-23.

DeniedOut of network

Billed

$2,380.00

1 line

Allowed

$1,071.00

if approved

Plan pays

—

Denied

Member owes

—

copay / deductible / 20% coinsurance

Rules engine

Deny

CO204

Decided by

Claims rules engine

2026-10-21 13:43

Member

Resolved through the identity graph

Member: Logan Bradley
Member ID: UHC-10378-53
Date of birth: 1991-02-14
Identity: Verified3 records, confidence 0.96
Claim record: CLMCLM-402925
Relationship: Spouse, Nashville, TN

Coverage and accumulators

Found by member ID

Plan: NAVIGATE-HMO HMO group GRP-8104
Coverage period: 2021-08-01 to present
Deductible: $273.39 of $1,500.0018%
Out-of-pocket maximum: $663.53 of $3,000.0022%
Copays: office $30.00, specialist $40.00, emergency $350.00
Physical therapy visits: 15 of 20 used

Provider

Billing and rendering

Billing provider: Desert Reference Lab
Clinical Laboratory · taxonomy 291U00000X
NPI: 5138952598
Network: Out of network
Rendering NPI: 5138952598
Location: Mesa, AZ · TIN 53-1049966
Authorisation / referral: PA2025999578 / REF728583

Service lines

UB-04: procedures, modifiers, units, charges and the pricing outcome per line

Line	Code	Description	Mod.	Units	Dx	Billed	Allowed	Member	Plan	Line status
1	70553 rev 0610	MRI brain with and without contrast	—	1	1	$2,380.00	$1,071.00	—	—	DeniedCO204
Totals						$2,380.00	$1,071.00	—	—

Diagnoses (ICD-10-CM)

1. Z00.00 Encounter for general adult medical examination without abnormal findingsprincipal
2. E78.5 Hyperlipidemia, unspecified

Claim header

Patient account: PA-953432
Frequency code: 1 (original)
Accident: No
DRG: —
Admit / discharge: —
Landed: 2026-10-21 13:43

Rules engine

CLAIMS-ADJ v1: 11 checks, 2 needing attention

Check	Result	Code	Detail
Member identity	Pass		Attached to MBR-035584 (verified, link confidence 0.96).
Eligibility	Pass		Active on 2026-09-01: NAVIGATE-HMO (HMO), effective 2021-08-01.
Timely filing	Pass		Received 22 days after service (limit 90).
Duplicate check	Pass		No matching prior claim in the duplicate window.
Prior authorisation	Pass		Authorisation PA2025999578 on file for 70553.
Provider network	Fail	CO204	Billing provider 5138952598 is out of network and the HMO plan has no out-of-network benefit. Service not covered under the member's plan
Medical necessity	Review	CO50	70553 billed with routine diagnosis Z00.00; clinical notes must support necessity. Not medically necessary per payer policy
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: Desert Reference Lab2026-09-01 14:13
Established patient presents with encounter for general adult medical examination without abnormal findings; symptoms reviewed and vitals within expected range.
SystemSystem: Claims system2026-09-23 05:07
Billing provider is out of network and the member's plan has no out-of-network benefit outside of emergencies.

Attachments

Documents received with the claim

Prior auth letterPA2025999578_approval.pdf2 pages
Utilisation management approval letter for 70553 (MRI brain with and without contrast), valid 2026-09-01 to 2026-11-30.
Itemized billitemized_PA-953432.pdf7 pages
Itemised statement totalling $2380.00 across 1 line.

Claim history

Every event on this claim, sealed in the audit chain

Rules engineDenied2026-10-21 13:43
Provider network: Billing provider 5138952598 is out of network and the HMO plan has no out-of-network benefit. Medical necessity: 70553 billed with routine diagnosis Z00.00; clinical notes must support necessity.

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

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