Claims Adjudication

Coverage & Benefit Validation

Reduce cycle time and administrative burden while preserving accuracy, auditability, and control over adjudication decisions.

The Industry Problem

Manual Interpretation at Scale

Specialty insurance claims require careful interpretation of rules, schedules, and history. The manual process is fraught with friction:

  • Reviewing itemized bills manually
  • Verifying active coverage & benefits
  • Applying historical lookbacks
  • Reconciling across multiple systems
High "Not In Good Order" (NIGO) rates due to missing documentation create rework and delay processing.

The Solution

An end-to-end, automated intake workflow that runs continuously in the background.

Step 1

Data Reconciliation

Cross-references intake metadata, submitted documents, and policy records to validate consistency automatically.

Step 2

Coverage Verification

Confirms active coverage and identifies applicable benefits, riders, and exclusions for the specific claim.

Step 3

Claim History Analysis

Applies benefit period rules and historical lookbacks to determine if a submission is a new occurrence or continuation.

Step 4

Benefit Calculation

Normalizes units/charges, applies benefit schedules, and separates covered facility charges from non-covered fees.

Pilot Results

01

70%+

Success Rate

Claims completed successfully without human intervention.

02

>80%

Refined Success

Success rate when excluding claims pending external info.

03

2 min

Processing Time

Average end-to-end processing measured in minutes, not days.

Fail-Safe Design

Claims with discrepancies or ambiguous policy interpretation are flagged with structured exception notes and routed for human review. The system is designed to fail safe—escalating rather than processing incorrectly.

Ready to deploy this solution?

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