90+ day and aged A/R recovery
Aged A/R is insurance money owed to a practice for services already rendered that has gone unpaid past the normal payment cycle, usually tracked in 91–120, 121–180, and 180+ day buckets. The claims your billing team stopped touching are still owed to you. MARR Partners works them until the payer pays or gives a final answer, and charges only on what is recovered.
What we take on Insurance receivables only. We don't touch patient balances.
90–120 days
Usually still recoverable with a status check and a corrected resubmission. Most denials in this bucket have not been appealed yet and the appeal window is open.
120–180 days
A mix of unanswered appeals, claims waiting on documentation, and claims the payer has lost. Requires calls, reconsideration requests, and escalation to provider-relations.
180+ days
Timely-filing and appeal deadlines are the constraint. We sort by deadline first and work what can still be filed. Claims that are truly dead are marked so they can be adjusted off with a reason attached.
Unworked claims
Claims with no follow-up notes since submission. Common after staff turnover, a billing-company transition, or a work queue that was never assigned. Often the largest recoverable bucket.
Legacy A/R
Receivables left in an old PM system after a migration, or left behind by a prior billing company that stopped working them once the contract ended. We work them in the old system or from exports.
Post-acquisition A/R
Receivables of an acquired practice that no one on the new team knows. We take the whole legacy queue so the acquiring group can focus on current claims.
Why 90+ day claims go unworked
New claims pay faster
A billing team measured on days in A/R will always work this week's claims first. Old claims fall to the bottom of the queue and stay there.
Old claims are harder
They need a phone call, a records request, or an appeal letter instead of a resubmission. Each one takes longer than the ten new claims it displaces.
Ownership changes
When a biller leaves, a billing company changes, or a system migrates, the claims in flight lose their owner. Nobody is assigned to them, so nobody works them.
What happens to a claim we take on
1. Verify status
Every claim is confirmed with the payer through the portal, the clearinghouse, or a call. No work is done on a claim until we know why it is unpaid.
2. Classify
Denied, pending, underpaid, never received, or paid-and-not-posted. The reason determines the path and the deadline.
3. Correct, appeal, or dispute
Corrected claims are resubmitted. Denials are appealed with documentation. Underpayments are disputed against the contract. Lost claims are refiled with proof of timely filing.
4. Track to remittance
Each claim is followed until the payer remits or issues a final determination. Stalled claims are escalated on a schedule.
5. Close and report
Recovered dollars are reconciled to the claim. Unrecoverable claims are closed with a documented reason. Both appear in the monthly report.
Scope
Engagements typically cover every insurance claim over 90 days at the start date, plus claims that age past 90 days during the engagement if you want them included. Commercial, Medicare, Medicaid, and workers' compensation are all in scope. Patient balances are not.
We work in your practice-management system with read-only access, or from exports when the claims live in a system that is being retired.
Fee
Contingency only, tiered by claim age: 12% of recovered revenue on claims aged 91–120 days, 15% on 121–180 days, and 18% on claims older than 180 days. A typical 90+ day queue blends to about 15%. The rate is fixed in the agreement before work starts, and invoices are calculated on remittances actually received, monthly, in arrears.
No setup fee, no minimum, no software license, no long-term contract, and no charge for claims we close as unrecoverable. Volume pricing is available for billing companies and multi-practice groups.
Sources
- CMS, Medicare timely filing requirements
- CMS, Original Medicare appeals process and deadlines
- HFMA MAP Keys (aged A/R as a percentage of total A/R is a standard revenue-cycle metric)
- MGMA DataDive benchmarks
Figures attributed to a source are that source's; commonly used benchmarks are labeled as such. Verify deadlines against your own payer contracts.