Claims workbench/CLM-2026-015839

Institutional claim · UB-04 · EDI 837I

CLM-2026-015839

Cornerstone Bone and Joint Center, Orthopedic Surgery. Service 2025-12-13 at outpatient hospital (POS 22). Received 2026-01-04.

Denied

Billed

$1,562.00

1 line

Allowed

$859.10

if approved

Plan pays

—

Denied

Member owes

—

copay / deductible / 10% coinsurance

Rules engine

Deny

CO197

Decided by

Claims rules engine

2026-10-21 13:43

Member

Resolved through the identity graph

Member: Terry Arnold
Member ID: UHC-57242-43
Date of birth: 1952-02-27
Identity: Verified5 records, confidence 0.97
Claim record: CLMCLM-411456
Relationship: Self, Sacramento, CA

Coverage and accumulators

Found by member ID

Plan: NAVIGATE-HMO HMO group GRP-0210
Coverage period: 2021-02-01 to present
Deductible: $272.54 of $1,000.0027%
Out-of-pocket maximum: $714.72 of $3,000.0024%
Copays: office $40.00, specialist $50.00, emergency $250.00
Physical therapy visits: 0 of 20 used

Provider

Billing and rendering

Billing provider: Cornerstone Bone and Joint Center
Orthopedic Surgery · taxonomy 207X00000X
NPI: 7661667833
Network: In network
Rendering NPI: 3176495166
Location: Tempe, AZ · TIN 28-0381608
Authorisation / referral: none / REF425175

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	73721 rev 0610	MRI lower extremity joint without contrast	—	1	1	$1,562.00	$859.10	—	—	DeniedCO197
Totals						$1,562.00	$859.10	—	—

Diagnoses (ICD-10-CM)

1. M54.50 Low back pain, unspecifiedprincipal
2. M25.561 Pain in right knee
3. M17.11 Unilateral primary osteoarthritis, right knee

Claim header

Patient account: PA-435788
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-001266 (verified, link confidence 0.97).
Eligibility	Pass		Active on 2025-12-13: NAVIGATE-HMO (HMO), effective 2021-02-01.
Timely filing	Pass		Received 22 days after service (limit 90).
Duplicate check	Pass		No matching prior claim in the duplicate window.
Prior authorisation	Fail	CO197	73721 require precertification; no authorisation number on the claim. Precertification or authorization absent
Provider network	Pass		In-network provider Cornerstone Bone and Joint Center (7661667833).
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 Bone and Joint Center2025-12-13 15:35
Established patient presents with low back pain, unspecified; symptoms reviewed and vitals within expected range.
SystemSystem: Claims system2026-01-04 00:57
Procedure requires precertification; no authorisation number on the claim and none found in the UM system.
AdministrativeExaminer: T. Nguyen (Senior Claims Examiner)2026-01-04 15:19
Member services inquiry logged on this claim; member asked about the status of payment.

Attachments

Documents received with the claim

Itemized billitemized_PA-435788.pdf3 pages
Itemised statement totalling $1562.00 across 1 line.

Claim history

Every event on this claim, sealed in the audit chain

Rules engineDenied2026-10-21 13:43
Prior authorisation: 73721 require precertification; no authorisation number on the claim.

Other claims for this member

Same resolved identity

Claim	Service	Provider	Billed	Status
CLM-2026-024654	2026-04-13	Harbor Cardiovascular Associates	$363.00	Approved
CLM-2026-022675	2026-01-21	Lakeside Reference Lab	$112.00	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

DeniedCO197scenario: No auth

Precertification required and absent.

Review queue Member identity