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-2026-017449
CMS-1500 · 2026-07-26
Kathy Morgan
UHC-44662-69
2026-07-24
Office
Lakeside Physical Therapy
Physical Therapy · in network
97110$296.00$143.52Clean approval—Approved
CLM-2026-032803
CMS-1500 · 2026-05-11
Kathy Morgan
UHC-44662-69
2026-04-11
Office
Northgate Dermatology Clinic
Dermatology · in network
99213$175.00—Denied by rule
CO18
—Denied
CLM-2026-032802
CMS-1500 · 2026-04-21
Kathy Morgan
UHC-44662-69
2026-04-11
Office
Northgate Dermatology Clinic
Dermatology · in network
99213$175.00$58.50Clean approval—Approved
CLM-2026-003430
UB-04 · 2026-01-26
Kathy Morgan
UHC-44662-69
2026-01-09
Emergency room
Pinecrest Regional Medical Center
Emergency Medicine · in network
71046$165.00$0.00Clean approval—Approved
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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.