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-2026-015203
CMS-1500 · 2026-04-11
Margaret Stone
UHC-82032-35
2026-02-26
Independent laboratory
Mesa Reference Lab
Clinical Laboratory · in network
83036, 87086$108.00$0.00Clean approval—Approved
CLM-2026-015099
CMS-1500 · 2026-04-03
Margaret Stone
UHC-82032-35
2026-03-25
Office
Sunrise Internal Medicine Associates
Internal Medicine · in network
93000, 80053$148.00$71.76Clean approval—Approved
CLM-2026-009247
CMS-1500 · 2026-02-04
Margaret Stone
UHC-82032-35
2026-01-07
Office
Valley Primary Care Associates
Family Medicine · in network
99213$191.00$98.42Clean 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.