How medical A/R recovery works
Five steps. Your billing company, staff, and systems stay exactly as they are. We work the aged queue alongside them and get paid only when the payer pays you.
Audit
You send the aging report and relevant claims data through a secure link under a BAA.
Analyze
Claims are ranked by dollar value, age, payer, denial reason, filing deadline, and probability of recovery.
Recover
Specialists correct claims, contact payers, submit appeals, request documentation, and resubmit.
Collect
Payers remit to the practice through its normal channels. The money never passes through us.
Report
Monthly: claims worked, dollars recovered, denial causes, open opportunities, and our invoice.
The recovery process, step by step
- PracticePractice provides its aging report through a secure link under a BAA.
- MARRMARR analyzes every claim by age, payer, balance, denial reason, and filing deadline.
- MARRClaims are prioritized by recoverability and deadline; unrecoverable balances are documented for write-off.
- MARRThe recovery team works the payer: corrections, resubmissions, documentation, appeals, and underpayment disputes.
- PayerThe payer remits to the practice through its normal channels. Money never passes through MARR.
- MARRMARR invoices its contingency fee, calculated only on remittances actually received, with a monthly report.
Each step in detail
| Step | What happens | What you provide | What you receive | Timing |
|---|---|---|---|---|
| 1 Audit | You request an audit. We send a Business Associate Agreement, then a secure single-use upload link. We review the aging report offline and rank what is still recoverable. | A 90+ day aging report from your PM or EHR, by claim, with payer, date of service, billed amount, balance, last action, and denial code where present. CSV, XLSX, or PDF. | The Recovery opportunity report: aging buckets with actionable dollars, denial categories with the recovery path for each, payer concentration, deadline-exposed claims, and an estimated recovery range. | 5 business days from receipt of the report. |
| 2 Analyze | Every claim in scope is scored on dollar value, age, payer, denial reason, documentation on file, timely-filing and appeal deadlines, and the probability of payment. Deadline-exposed claims move to the top. | Read-only access to the practice-management system and clearinghouse, or claim-level exports for the identified claims. Payer contracts and fee schedules for underpayment review. | A prioritized work queue and a deadline list. Anything that cannot be recovered is marked and explained so it can be adjusted off with confidence. | First week of the engagement. |
| 3 Recover | Specialists work the queue: verify claim status with the payer, correct and resubmit, request and attach documentation, file appeals and reconsiderations, dispute underpayments against the contract, and escalate stalled claims. | Documentation on request (operative notes, authorization records, medical-necessity support) and a signature on appeal letters where the payer requires the provider to sign. | A weekly status note listing claims touched, appeals filed, payer responses, and anything waiting on the practice. | First remittances typically arrive in 30–60 days. Formal appeals run 45–120 days depending on the payer. |
| 4 Collect | Payers remit to the practice exactly as they do today, by ERA or paper check to your lockbox. We reconcile each remittance against the claims we worked. The money never passes through us. | Access to remittance data (835 files or EOBs) so recovered dollars can be matched to worked claims. | A reconciliation of every recovered dollar to a specific claim, ready for your billing team to post. | Continuous through the engagement. |
| 5 Report | Each month we deliver a report and an invoice. The invoice is calculated only on remittances actually received in that month, at the contingency rate in the agreement. | Nothing beyond the remittance access already in place. | Monthly: claims worked, dollars recovered by payer and denial category, root causes to fix upstream, open opportunities, and the invoice. | By the 10th of each month for the prior month. |
What we need to start
- A signed Business Associate Agreement.
- The 90+ day aging report, uploaded through the secure link.
- One point of contact at the practice for documentation requests.
- After the audit, if you engage us: read-only system access and remittance data.
What we don't need
- Any change to your billing company or staff.
- A software license, integration project, or new login for your team.
- Patient balances, statements, or anything outside insurance receivables.
- A long-term contract. Engagements are typically 6–12 months and end when the queue is worked down.