Claims

Claims workbench

Every claim is attached to a resolved member identity, checked by the rules engine under CLAIMS-ADJ v1 (version 1), priced, and either finalised, pended, or handed to the AI adjudicator and an examiner.

ClaimMemberServiceProviderProceduresBilledPlan paysRulesAIStatus
CLM-2026-013768
CMS-1500 · 2026-07-05
Larry Black
UHC-35995-09
2026-06-05
Office
Heritage Family Practice
Family Medicine · in network
99214$232.00$123.84Clean approval—Approved
CLM-2026-018890
CMS-1500 · 2026-05-23
Larry Black
UHC-35995-09
2026-04-24
Office
Lakeside Bone and Joint Center
Orthopedic Surgery · in network
99213$178.00$60.36Clean approval—Approved
CLM-2026-012934
CMS-1500 · 2026-01-07
Larry Black
UHC-35995-09
2025-12-26
Office
Heritage Physical Therapy
Physical Therapy · in network
97110, 97140$244.00—Left for review
CO97
Denied
confidence 0.95
Needs review
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Top reason codes

Across rules and final decisions

How a claim is adjudicated

Deterministic first, AI second, people last

  1. Attach. The claim's member record is resolved through the identity graph; coverage is found by member ID or, failing that, by name and date of birth.
  2. Rules. Identity hold, eligibility, timely filing, duplicates, prior authorisation, network, medical-necessity edits, bundling, benefit limits, completeness and the high-dollar ceiling.
  3. Price. Contract or out-of-network allowance, then copay, deductible and coinsurance from the member's accumulators.
  4. AI review. Only claims the rules left for review go to the model, with every piece of evidence labelled. Its answer is validated before anyone sees it.
  5. Examiner. A person records the final decision with reason codes and a rationale; everything is hash-chained in the audit log.