Re-earn · Twelve-Month Denial Audit
Brightline Behavioral Health (Sample)
Claims from July 1, 2025 through June 28, 2026 · Prepared July 1, 2026
Money that died last year
$117,820
$117,820 in billed care was denied and never collected.
What we found
We examined 1,498 claims across 5 payers. 215 of them — 14.4% — were denied, representing $117,820 in care that was delivered, billed, and never paid.
The largest concentration is "Credentialing gaps" at $44,244. Concentration is good news: it means the losses have causes, and causes can be fixed.
The honest recoverable range
$33,461 – $62,840
Estimated with conservative, code-specific recovery rates — the reasoning for each figure is shown with its pile below. An estimate, not a promise.
The causes of death
Credentialing gaps
$44,24479 claims · 38% of denied dollars · The rendering provider wasn't enrolled, linked, or certified with the payer on the date of service.
- B7 — Provider not certified/eligible to be paid for this service on this date$44,244
Recoverable: $17,698 – $30,971 (40%–70% of the pile)
Credentialing denials cluster and reverse in bulk: once the enrollment or roster linkage is corrected, payers commonly reprocess the whole affected span on a single project claim. The main risk is enrollment effective-dating.
Authorization problems
$23,00839 claims · 20% of denied dollars · Missing, expired, or exceeded prior authorizations at the time of service.
- 197 — Precertification/authorization absent$16,152
- 198 — Precertification/authorization exceeded$6,856
Recoverable: $5,752 – $11,504 (25%–50% of the pile)
Many payers allow retro-authorization or reconsideration when the service was clinically justified and an auth existed for adjacent dates. Success depends on payer policy and how recently the denial posted.
Eligibility lapses
$17,13929 claims · 15% of denied dollars · Patients who fell off Medicaid at renewal or whose coverage lapsed mid-treatment.
- 177 — Patient has not met eligibility requirements$13,305
- 27 — Expenses incurred after coverage terminated$3,835
Recoverable: $3,428 – $7,713 (20%–45% of the pile)
A large share of eligibility denials are retro-reinstated: Medicaid renewals often backdate, and misidentified-patient denials resubmit cleanly with corrected IDs. Claims older than the retro window are excluded from the high estimate.
Missing paperwork
$11,35423 claims · 10% of denied dollars · Claims denied pending records, attachments, or information nobody sent.
- 16 — Claim lacks information or has submission/billing error$11,354
Recoverable: $3,974 – $6,812 (35%–60% of the pile)
These are administrative, not clinical, denials: the money is usually payable once the requested document is actually supplied. Recovery falls off sharply past each payer's reopening window, which caps the range.
Filed too late
$9,98918 claims · 8% of denied dollars · Claims that hit the payer's filing deadline before anyone submitted or resubmitted them.
- 29 — Time limit for filing has expired$9,989
Recoverable: $499 – $1,498 (5%–15% of the pile)
Timely-filing denials are the hardest to reverse — most payers only pay on proof of original timely submission (clearinghouse acceptance reports) or documented good cause. We count only claims where such proof plausibly exists.
Coordination of benefits
$4,1618 claims · 4% of denied dollars · Another payer was primary, or prior-payer information was missing.
- 22 — Care may be covered by another payer (COB)$4,161
Recoverable: $1,248 – $2,288 (30%–55% of the pile)
COB denials mostly pay once the claim is routed to the correct primary or the primary's EOB is attached — but each one is manual work, and some primaries will themselves deny for timely filing.
Coding mismatches
$3,0986 claims · 3% of denied dollars · Diagnosis/procedure conflicts, invalid codes for the date of service, bundling edits.
- 11 — Diagnosis inconsistent with procedure$3,098
Recoverable: $774 – $1,549 (25%–50% of the pile)
Corrected-claim resubmission fixes most of these where the underlying service was billable. Bundling and frequency edits are often correct as adjudicated, so we discount those heavily.
Duplicates
$3,0718 claims · 3% of denied dollars · Claims the payer says it already adjudicated.
- 18 — Exact duplicate claim/service$3,071
Recoverable: $0 – $154 (0%–5% of the pile)
True duplicates are not money — they were paid or denied on the original. A small residue are false duplicates (same-day distinct services missing a modifier), which is all the high estimate counts.
Non-covered services
$1,7585 claims · 1% of denied dollars · Benefit exclusions, medical-necessity denials, exhausted maximums.
- 96 — Non-covered charge(s)$1,758
Recoverable: $88 – $352 (5%–20% of the pile)
Benefit exclusions rarely reverse. The recoverable slice is medical-necessity denials with strong clinical documentation, which win on appeal more often than offices expect — but we assume only the well-documented subset.
The patterns your biller can't see
Individual denials look random. Grouped by payer and month, they are not — the patterns below are where single fixes unlock many claims at once.
UnitedHealthcare Community Plan: 4 consecutive months of near-total denials
$42,478From November 2025 through February 2026, the majority of claims to UnitedHealthcare Community Plan denied — $42,478 in that window. Denials that cluster by payer and time almost always share one administrative cause (a lapsed credential, a broken enrollment linkage, an expired group authorization). One fix typically reopens the entire span.
UnitedHealthcare Community Plan: 68% of denied dollars share one reason code
$39,470$39,470 across 71 claims denied with code B7 — "Provider not certified/eligible to be paid for this service on this date." When one code carries a payer's denials, the cause is procedural, not clinical, and the claims tend to be recoverable as a batch rather than one at a time.
Where to start
- 1
Call the payer's provider-enrollment line, confirm the rendering provider's effective dates, fix the lapse or linkage, then ask the payer to reprocess the affected span as one project.
Credentialing gaps: $44,244 across 79 claims, with $17,698–$30,971 realistically recoverable.
- 2
For each denied span, pull the authorization numbers on file for adjacent dates and request retro-authorization or reconsideration where the service was clinically justified.
Authorization problems: $23,008 across 39 claims, with $5,752–$11,504 realistically recoverable.
- 3
Re-verify each patient's eligibility for the denied dates of service; where Medicaid retro-reinstated, resubmit — where an ID mismatch caused the denial, correct and resubmit.
Eligibility lapses: $17,139 across 29 claims, with $3,428–$7,713 realistically recoverable.
- 4
Find what each payer requested (records, attachments, forms), attach it, and resubmit before the payer's reopening window closes.
Missing paperwork: $11,354 across 23 claims, with $3,974–$6,812 realistically recoverable.
Denied dollars by month
By payer
| Payer | Claims | Denial rate | Denied dollars |
|---|---|---|---|
| UnitedHealthcare Community Plan | 316 | 32.9% | $58,378 |
| Horizon NJ Health | 403 | 11.2% | $23,708 |
| Fidelis Care | 261 | 10.7% | $15,742 |
| Aetna Better Health | 315 | 6.7% | $12,049 |
| Amerigroup | 203 | 8.4% | $7,943 |
Appendix — every denied claim
This report names the causes; the worklist names the claims. Hand it to whoever works your billing — each line is one denied claim with its codes, sorted so the biggest, most winnable dollars come first.
Credentialing gaps
79 claims · $44,244| Claim | Payer | Service date | Denied | Codes |
|---|---|---|---|---|
| SMP1795 | UnitedHealthcare Community Plan | 2026-01-18 | $1,018 | B7 |
| SMP1796 | UnitedHealthcare Community Plan | 2026-01-06 | $999 | B7 |
| SMP1551 | UnitedHealthcare Community Plan | 2025-11-28 | $968 | B7 |
| SMP1652 | Aetna Better Health | 2025-12-09 | $955 | B7 |
| SMP1564 | UnitedHealthcare Community Plan | 2025-11-14 | $935 | B7 |
| SMP2094 | Amerigroup | 2026-03-16 | $934 | B7 |
| SMP1790 | UnitedHealthcare Community Plan | 2026-01-12 | $932 | B7 |
| SMP1570 | UnitedHealthcare Community Plan | 2025-11-10 | $924 | B7 |
| SMP1787 | UnitedHealthcare Community Plan | 2026-01-04 | $921 | B7 |
| SMP1568 | UnitedHealthcare Community Plan | 2025-11-07 | $921 | B7 |
…and 69 more in the downloadable worklist.
Authorization problems
39 claims · $23,008| Claim | Payer | Service date | Denied | Codes |
|---|---|---|---|---|
| SMP1335 | Fidelis Care | 2025-09-09 | $970 | 197 |
| SMP1393 | Horizon NJ Health | 2025-10-15 | $917 | 197 |
| SMP1773 | Aetna Better Health | 2026-01-10 | $907 | 197 |
| SMP1222 | Amerigroup | 2025-08-07 | $902 | 197 |
| SMP2494 | Amerigroup | 2026-06-09 | $881 | 198 |
| SMP2432 | UnitedHealthcare Community Plan | 2026-06-17 | $867 | 197 |
| SMP2072 | Fidelis Care | 2026-03-07 | $832 | 198 |
| SMP2138 | Horizon NJ Health | 2026-04-04 | $812 | 198 |
| SMP2204 | UnitedHealthcare Community Plan | 2026-04-19 | $764 | 198 |
| SMP2022 | Aetna Better Health | 2026-03-20 | $749 | 197 |
…and 29 more in the downloadable worklist.
Eligibility lapses
29 claims · $17,139| Claim | Payer | Service date | Denied | Codes |
|---|---|---|---|---|
| SMP1131 | Horizon NJ Health | 2025-08-25 | $1,011 | 177 |
| SMP1173 | UnitedHealthcare Community Plan | 2025-08-23 | $950 | 177 |
| SMP2438 | UnitedHealthcare Community Plan | 2026-06-15 | $940 | 177 |
| SMP1427 | UnitedHealthcare Community Plan | 2025-10-25 | $935 | 177 |
| SMP1563 | UnitedHealthcare Community Plan | 2025-11-28 | $893 | 177 |
| SMP1352 | Amerigroup | 2025-09-28 | $862 | 177 |
| SMP2119 | Horizon NJ Health | 2026-04-07 | $809 | 177 |
| SMP2374 | Horizon NJ Health | 2026-06-28 | $758 | 27 |
| SMP2062 | Fidelis Care | 2026-03-07 | $758 | 177 |
| SMP1254 | Horizon NJ Health | 2025-09-20 | $721 | 177 |
…and 19 more in the downloadable worklist.
Missing paperwork
23 claims · $11,354| Claim | Payer | Service date | Denied | Codes |
|---|---|---|---|---|
| SMP1509 | Horizon NJ Health | 2025-11-15 | $1,011 | 16 |
| SMP1086 | Fidelis Care | 2025-07-17 | $891 | 16 |
| SMP1270 | Aetna Better Health | 2025-09-08 | $759 | 16 |
| SMP2371 | Horizon NJ Health | 2026-06-03 | $739 | 16 |
| SMP2202 | UnitedHealthcare Community Plan | 2026-04-01 | $736 | 16 |
| SMP1156 | Aetna Better Health | 2025-08-17 | $703 | 16 |
| SMP1677 | UnitedHealthcare Community Plan | 2025-12-10 | $698 | 16 |
| SMP1561 | UnitedHealthcare Community Plan | 2025-11-17 | $655 | 16 |
| SMP1756 | Horizon NJ Health | 2026-01-17 | $652 | 16 |
| SMP1028 | Horizon NJ Health | 2025-07-01 | $650 | 16 |
…and 13 more in the downloadable worklist.
Filed too late
18 claims · $9,989| Claim | Payer | Service date | Denied | Codes |
|---|---|---|---|---|
| SMP1172 | UnitedHealthcare Community Plan | 2025-08-14 | $992 | 29 |
| SMP2123 | Horizon NJ Health | 2026-04-02 | $968 | 29 |
| SMP1186 | UnitedHealthcare Community Plan | 2025-08-22 | $945 | 29 |
| SMP1269 | Aetna Better Health | 2025-09-13 | $912 | 29 |
| SMP1482 | Horizon NJ Health | 2025-11-13 | $901 | 29 |
| SMP1060 | UnitedHealthcare Community Plan | 2025-07-03 | $734 | 29 |
| SMP1732 | Horizon NJ Health | 2026-01-21 | $689 | 29 |
| SMP2051 | UnitedHealthcare Community Plan | 2026-03-14 | $616 | 29 |
| SMP2456 | Fidelis Care | 2026-06-19 | $530 | 29 |
| SMP2334 | Fidelis Care | 2026-05-12 | $488 | 29 |
…and 8 more in the downloadable worklist.
Coordination of benefits
8 claims · $4,161| Claim | Payer | Service date | Denied | Codes |
|---|---|---|---|---|
| SMP1067 | UnitedHealthcare Community Plan | 2025-07-27 | $802 | 22 |
| SMP1130 | Horizon NJ Health | 2025-08-21 | $748 | 22 |
| SMP2421 | Aetna Better Health | 2026-06-15 | $638 | 22 |
| SMP1205 | Fidelis Care | 2025-08-11 | $598 | 22 |
| SMP2121 | Horizon NJ Health | 2026-04-20 | $578 | 22 |
| SMP1862 | Horizon NJ Health | 2026-02-04 | $322 | 22 |
| SMP1727 | Amerigroup | 2025-12-27 | $314 | 22 |
| SMP2237 | Amerigroup | 2026-04-26 | $161 | 22 |
Coding mismatches
6 claims · $3,098| Claim | Payer | Service date | Denied | Codes |
|---|---|---|---|---|
| SMP2341 | Fidelis Care | 2026-05-26 | $1,000 | 11 |
| SMP1582 | Fidelis Care | 2025-11-27 | $862 | 11 |
| SMP2470 | Fidelis Care | 2026-06-11 | $695 | 11 |
| SMP1363 | Horizon NJ Health | 2025-10-28 | $247 | 11 |
| SMP2084 | Fidelis Care | 2026-03-02 | $171 | 11 |
| SMP1188 | UnitedHealthcare Community Plan | 2025-08-05 | $124 | 11 |
Duplicates
8 claims · $3,071| Claim | Payer | Service date | Denied | Codes |
|---|---|---|---|---|
| SMP1133 | Horizon NJ Health | 2025-08-24 | $630 | 18 |
| SMP1203 | Fidelis Care | 2025-08-23 | $558 | 18 |
| SMP2184 | UnitedHealthcare Community Plan | 2026-04-16 | $520 | 18 |
| SMP2247 | Horizon NJ Health | 2026-05-15 | $366 | 18 |
| SMP1379 | Horizon NJ Health | 2025-10-10 | $341 | 18 |
| SMP1778 | Aetna Better Health | 2026-01-02 | $310 | 18 |
| SMP1855 | Horizon NJ Health | 2026-02-10 | $177 | 18 |
| SMP1033 | Aetna Better Health | 2025-07-06 | $170 | 18 |
Non-covered services
5 claims · $1,758| Claim | Payer | Service date | Denied | Codes |
|---|---|---|---|---|
| SMP1646 | Aetna Better Health | 2025-12-11 | $553 | 96 |
| SMP1725 | Amerigroup | 2025-12-02 | $392 | 96 |
| SMP2010 | Aetna Better Health | 2026-03-04 | $337 | 96 |
| SMP1189 | UnitedHealthcare Community Plan | 2025-08-03 | $239 | 96 |
| SMP2437 | UnitedHealthcare Community Plan | 2026-06-05 | $238 | 96 |
Where this leaves you
Applying conservative, code-specific recovery rates, we estimate $33,461 to $62,840 of this money is realistically recoverable. That range is an estimate, not a promise — the reasoning behind each figure is shown with its pile. Whatever you decide to do next, you now know your number, and this document is the audit-ready record of it.
Methodology: every uploaded remittance file was parsed claim by claim; denial reason codes (CARC) were sorted into the categories above, and each category's recoverable range applies published, code-specific recovery rates held deliberately conservative. Patient identifiers never appear in this report. Figures describe the files provided and are estimates, not guarantees of recovery. Report 12 files · 5 payers · generated by Re-earn.