Claims workbench/CLM-2026-031655

Professional claim · CMS-1500 · Paper

CLM-2026-031655

Desert Reference Lab, Clinical Laboratory. Service 2026-01-24 at independent laboratory (POS 81). Received 2026-02-13.

ApprovedOut of network

Billed

$49.00

1 line

Allowed

$22.05

contract rate applied

Plan pays

$0.00

approved

Member owes

$22.05

copay / deductible / 30% coinsurance

Rules engine

Clean

no reason codes

Decided by

Claims rules engine

2026-10-21 13:43

Member

Resolved through the identity graph

Member: Ralph Andrews
Member ID: UHC-03242-36
Date of birth: 1985-06-10
Identity: Verified6 records, confidence 1.00
Claim record: CLMCLM-431960
Relationship: Self, Fresno, CA

Coverage and accumulators

Found by member ID

Plan: OPTIONS-PPO PPO group GRP-4598
Coverage period: 2025-09-01 to present
Deductible: $834.94 of $1,000.0083%
Out-of-pocket maximum: $1,037.25 of $4,000.0026%
Copays: office $25.00, specialist $75.00, emergency $350.00
Physical therapy visits: 22 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: none / none

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	80053	Comprehensive metabolic panel	—	1	1	$49.00	$22.05	$22.05	$0.00	Paid
Totals						$49.00	$22.05	$22.05	$0.00

Diagnoses (ICD-10-CM)

1. N39.0 Urinary tract infection, site not specifiedprincipal
2. E11.9 Type 2 diabetes mellitus without complications

Claim header

Patient account: PA-871286
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	Detail
Member identity	Pass	Attached to MBR-007960 (verified, link confidence 1.00).
Eligibility	Pass	Active on 2026-01-24: OPTIONS-PPO (PPO), effective 2025-09-01.
Timely filing	Pass	Received 20 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	Note	Out-of-network provider; priced at the out-of-network allowance, balance billing may apply.
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. Clean claim: approved and priced automatically.

Notes

Provider, system and examiner notes on this claim

ClinicalProvider: Desert Reference Lab2026-01-24 14:02
Follow-up for urinary tract infection, site not specified. Plan discussed, medications reconciled. Authorisation was obtained by phone from the plan on the day before service; reference number recorded on the face sheet.
SystemSystem: Claims system2026-02-13 02:04
Authorisation number on the claim does not match the UM system format. Provider states it was issued by phone.
AdministrativeExaminer: R. Patel (Claims Examiner II)2026-02-13 09:53
Member services inquiry logged on this claim; member asked about the status of payment.

Attachments

Documents received with the claim

Prior auth letterface_sheet_PA-871286.pdf1 page
Provider face sheet with a handwritten authorisation reference; no plan letterhead.

Explanation of benefits

What the member will see

Amount billed

$49.00

Plan discount

$26.95

out-of-network allowance

Plan paid

$0.00

You may owe

$22.05

copay, deductible and coinsurance

Claim history

Every event on this claim, sealed in the audit chain

Rules engineApproved2026-10-21 13:43
Provider network: Out-of-network provider; priced at the out-of-network allowance, balance billing may apply.

Other claims for this member

Same resolved identity

Claim	Service	Provider	Billed	Status
CLM-2026-019738	2026-07-05	Sunrise Internal Medicine Associates	$330.00	Approved
CLM-2026-022093	2026-04-01	Cornerstone Reference Lab	$221.00	Approved
CLM-2026-005128	2025-12-13	Mesa Primary Care Associates	$216.00	Approved

AI recommendation

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

Clean claim: the rules engine approved it, so no AI review was needed.

Examiner decision

Approved 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

PendedCO197scenario: Auth unverifiable

Authorisation must be confirmed with UM before payment.

Review queue Member identity