READ-ONLY · NO EHR INTEGRATION · FREE TO START

A claim can reconcile perfectly
and still be wrong.

Your system, your clearinghouse and your payer can all agree — and you can still be underpaid. CuraPay Health's job is to find the difference: every claim checked against what you were owed, every dollar traced to a claim line, an expected rate, and the payer's own payment record.

●Expected vs. paid, per claim ●Provider authority preserved ●No projected savings
a claim that "worked" — knee replacement · CPT 27447 Illustrative example
✓ Claim sent
837 · right code, right provider
Accepted
Clean claim, no rejections
✓ Payer paid
835 · payer remittance
$1,850
Allowed amount, no denial
✓ Posted & closed
your PM system
$0
Balance — everyone agrees
⚑ CuraPay Health check
contract rate: $2,315
$465
Still owed — on every claim like it
✓ every system agrees ⚑ agreement proves consistency — not correctness
The Problem

Your payers are counting on
nobody checking the math.

They have every rate, every rule, every adjudication. You have reports that don't agree with each other. Practices hold the evidence — but nobody has the time, the tooling, or the join to check it. So money leaves quietly, three ways.

01 · Underpaid

Paid less than you were owed

The claim gets paid, so it looks finished. But the payment came in under your contracted or published rate — and the same short-pay repeats on every claim like it, month after month.

expected rate ≠ allowed amount
02 · Denied & written off

Recoverable money, adjusted to zero

Some write-offs are correct. Many aren't — missing information, authorization, duplicates, and timely-filing deadlines that quietly pass. Nobody separates the two, so it all gets written off together.

CARC by CARC, recoverable vs. correct
03 · Never came back

Claims that vanish in transit

A claim leaves your system and is rejected upstream, or simply never returns a payment record. If nothing is matching what you sent to what came back, nobody notices it's gone.

sent (837) with no remit (835)
"Gross charges are billing theater. The only number that matters is what you were owed versus what you were paid."
Why your reports can't see it

Three questions.
Most software stops at the second.

Your PM system and clearinghouse are built to make sure events happened and agree. Neither one checks whether the payer's decision was right — the payer's own output can't prove the payer's output.

1
Completeness

Did we capture every event?

Every charge, claim, acknowledgment, payment and posting — nothing lost in transit.

Your systems try
2
Consistency

Do the records agree?

The claim, the remittance and the posting tie out to each other. Balance: $0.

Most software stops here
3
Correctness

Was the payment right?

Checked against evidence from outside the payer: your contract, published rates, payer policy, Medicare rules.

This is where we work

"Expected" never means "this payer usually pays about that." It means a rate we can cite.

No EHR integration project

Your claims already travel on a rail.
We read it — read-only.

Every claim you send and every payment you receive passes through your clearinghouse as standard electronic files. That's where we connect — so we don't need your EHR vendor's permission, and we never touch your live workflows.

Your system

EHR / Practice Management

Stays exactly as it is. Your clinical and billing system of record.

→
◉ We read here

Clearinghouse

The 837 claims you send and the 835 remittances payers return.

→
The payer

Adjudication

Applies its rules and rates — and decides what you get paid.

→
Benchmarks

What you're owed

Your contracts and fee schedules, payer-published price files, and Medicare as an anchor.

These files are an industry standard — so it doesn't matter which EHR you run.

How It Works

Observe. Prove. Execute.
In that order — and never skipping a step.

We prove before we act. Nothing changes in your practice until you've seen the evidence and said yes.

Observe.
Read-only · Shadow Mode

We connect to your clearinghouse files and the rates you're owed. Nothing is changed, submitted, or re-keyed.

  • Claims (837) and remittances (835)
  • Fee schedules and contracts, when you have them
  • Payer-published price files and Medicare rates
Prove.
Claim-level reconciliation

Every claim is matched to its payment and to an expected rate. Same data in, same answer out — deterministic math, not a guess.

  • Underpayments against contract or benchmark
  • Denials sorted recoverable vs. correct
  • Claims that never came back
Execute.
With your approval

You get a ranked worklist, not a dashboard. We prepare the evidence for each recovery — your team stays in control of every action.

  • Ranked by dollars and deadline
  • Evidence packet for each appeal
  • Ongoing monitoring once it's working
Proven

Matched to the claim, the rate, and the payment. Ready to act on.

Indicated

Strong signal, one source short. We say so, and say what would prove it.

Data missing

We can't see it yet. We show you exactly which file closes the gap.

Start Here · No Cost

The Initial Financial MRI.
See the money before you sign anything.

A no-cost read of your own data. You keep the findings whether or not you become a customer.

What you send

Three things. That's it.

  1. A signed BAA — so your data is protected before a single file moves.
  2. 90+ days of claim and remittance files from your clearinghouse. We'll walk your team through pulling them.
  3. Any fee schedules or payer contracts you have. No contracts? We benchmark against published rates.
Don't have clearinghouse access handy? Start with your own PM reports — the MRI still runs, and tells you what the files would add.
What you get

Where money is leaving — and the proof.

  1. Potential revenue, by category — underpaid, recoverable denials, timely-filing exposure, claims that never came back.
  2. Every figure labeled proven, indicated, or data missing — no blended guesses.
  3. Exactly what data is missing to prove the rest, and how to get it.
Findings are indications until matched to the payment record. We tell you which is which.
Our Standard

What we will not claim.

No projected savings

If a dollar can't drill to a claim line, an expected rate, and a payment record, we don't print it.

No "we found you a million dollars"

Nobody can tell you what you're losing before they've seen your claims. We'll show you — then you decide.

No black box

Reconciliation is deterministic math. Every finding carries its source, its date, and its confidence label.

No workflow disruption

We start read-only. Clinical decisions, coding judgment, and charge entry stay with your providers and your team.

Who We Serve

Built for the practices
payers assume won't check.

Large health systems have contract-management departments. Independent practices have a billing team that's already at capacity.

Independent specialty practices

High-volume, high-value claims

Specialty groups bill complex procedures to a handful of large payers — so a small short-pay per claim compounds into real money, and a single missed deadline is expensive.

Our reps work East and West with practice owners, administrators, and billing leads.

OrthopedicsENTNephrologyImaging & MRIPT / OTMulti-specialty groups
Tribal health programs

Third-party revenue you can count on

For tribal and urban Indian health programs, every dollar a third-party payer should cover — and doesn't — lands on a finite budget or on the patient. Getting third-party claims paid correctly is a care-access issue.

Tribally-operated programsUrban Indian organizations
LA
A note from the founder

Practice owners have been told for decades to trust the number their system reports. Most of those numbers have never been checked against what the payer actually owed.

We built CuraPay Health on 20+ years of revenue-cycle work, so a practice doesn't need a consultant's retainer to get a straight answer.

Our rule is simple: before we automate anything, we prove everything.

Lance Allen · Founder & CEO, CuraPay Health
Your Data. Your Answer.

Find out what your practice is owed.

Send us 90 days of files. We'll show you where money is leaving, what we can prove, and what it would take to prove the rest. No cost, no obligation.

Get Your Free Financial MRI →
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