Claims workbench/CLM-2026-029763

Professional claim · CMS-1500 · EDI 837P

CLM-2026-029763

Meadow Physical Therapy, Physical Therapy. Service 2026-08-06 at office (POS 11). Received 2026-09-14.

DeniedOut of network

Billed

$179.00

2 lines

Allowed

$80.55

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: Jose Richardson
Member ID: UHC-61622-11
Date of birth: 1960-08-27
Identity: Verified6 records, confidence 0.93
Claim record: CLMCLM-403133
Relationship: Spouse, Nashville, TN

Coverage and accumulators

Found by member ID

Plan: NAVIGATE-HMO HMO group GRP-3840
Coverage period: 2021-12-01 to present
Deductible: $794.40 of $1,000.0079%
Out-of-pocket maximum: $755.43 of $2,000.0038%
Copays: office $40.00, specialist $40.00, emergency $250.00
Physical therapy visits: 7 of 20 used

Provider

Billing and rendering

Billing provider: Meadow Physical Therapy
Physical Therapy · taxonomy 225100000X
NPI: 9574290588
Network: Out of network
Rendering NPI: 3385016225
Location: Denver, CO · TIN 57-2119772
Authorisation / referral: none / REF294995

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	97110	Therapeutic exercise, 15 minutes	59	2	1	$130.00	$58.50	—	—	DeniedCO204
2	97014	Electrical stimulation, unattended	59	1	1	$49.00	$22.05	—	—	DeniedCO204
Totals						$179.00	$80.55	—	—

Diagnoses (ICD-10-CM)

1. M25.561 Pain in right kneeprincipal

Claim header

Patient account: PA-522335
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-004869 (verified, link confidence 0.93).
Eligibility	Pass		Active on 2026-08-06: NAVIGATE-HMO (HMO), effective 2021-12-01.
Timely filing	Pass		Received 39 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 9574290588 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)	Review	CO97	Modifier 59 used on a normally bundled code pair; the operative note must document a distinct procedural service. Benefit included in another service already adjudicated
Benefit limits	Pass		Physical therapy visits used 7 of 20.
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: Meadow Physical Therapy2026-08-06 12:19
Patient seen for pain in right knee.
SystemSystem: Claims system2026-09-14 02:24
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)2026-09-14 16:24
Called the provider office; awaiting documentation.

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 9574290588 is out of network and the HMO plan has no out-of-network benefit. Bundling (NCCI): Modifier 59 used on a normally bundled code pair; the operative note must document a distinct procedural service.

Other claims for this member

Same resolved identity

Claim	Service	Provider	Billed	Status
CLM-2026-025610	2026-08-19	Valley Primary Care Associates	$283.00	Approved
CLM-2026-014219	2026-07-29	Mesa Family Practice	$259.00	Needs review
CLM-2026-014218	2026-07-29	Desert Medical Group	$259.00	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