$9M
Your Payers Are Keeping Up to $9 Million a Year of Your Revenue. The Claims Were Processed, Accepted, and Paid — Just at the Wrong Rate.
AI Underpayment Recovery Agent
Underpayment recovery software that detects payer payment variances from 835 ERAs, validates contract rates, and automates disputes through to resolution.
Book Your Free Demo
See it working on your own workflows. We reply within 24 hours.
Trusted by startups and global leaders
Six Core Capabilities of the AI Underpayment Recovery Agent
From real-time 835 ERA payment variance detection and payer contract rate library management to automated dispute generation, COB shortfall recovery, prompt pay compliance enforcement, and contract renegotiation intelligence — the AI Underpayment Recovery Agent covers every mechanism through which commercial payers systematically underpay provider claims.
Real-Time 835 ERA Payment Variance Detection
Every 835 ERA is parsed at line-item level — extracting payment amount, CARC, RARC, procedure code, and payer plan identifier per service line for real-time contract-rate cross-reference.
Payer Contract Rate Library & Fee Schedule Management
Upload contracts once — AI extraction reads fee schedules, carve-out provisions, rate effective dates, and bundling rules into a queryable rate library.
Automated Dispute Generation & Recovery Workflow
At variance confirmation, a payer-specific dispute letter auto-generates — citing contract clause, payment received, contractual allowable, and recovery demand — ready for submission without manual drafting.
COB & Secondary Payer Variance Recovery
Every secondary payer remittance is validated against the primary EOB — confirming correct COB methodology and payer sequencing under Medicare Secondary Payer rules.
Prompt Pay Compliance & Interest Recovery
48 states mandate prompt payment of clean electronic claims. The agent flags every claim paid outside the statutory window and calculates interest due under each state's prompt pay statute.
Underpayment Analytics & Contract Renegotiation Intelligence
Live view of variance exposure by payer, open dispute volume, recovery rate by type, urgency queue, and year-over-year underpayment trends.
85%
Your Payers Are Keeping Up to $9 Million a Year of Your Revenue.
AI Underpayment Recovery Agent
Underpayments don't appear in your denial worklist because the claim was paid — just at the wrong rate.
Get Your Underpayment Assessment
Payers Underpay on 1 in 14 Claims. Most Health Systems Never Find Out.
Every number comes from production revenue-cycle deployments — measured live, not projected in a pitch deck.
7–10%
of paid claims contain a payment variance (Experian Health / Advisory Board benchmark) — the majority accepted silently because payment posting systems have…
100+
Enterprise customers trusting Bonami X AI for mission-critical healthcare and revenue cycle operations.
24/7
Autonomous monitoring with real-time alerts — continuous automated intervention across every workflow.
Our Process
Why Revenue Cycle and Managed Care Leaders Deploy Bonami's AI Underpayment Recovery Agent
Drag, click, or use the dots to walk through each reason.
Every Remittance Audited — Not Every Tenth One
Revenue integrity audit firms recover underpayments on contingency because manual detection only works at scale when the recovery fee offsets the labour cost of auditing every remittance. The AI agent audits every single ERA line at the…
Dispute Windows Closed Before They Expire
Underpayment disputes have time limits: most commercial payer contracts specify a dispute window of 90–180 days from payment, after which the provider's right to dispute is contractually waived. The AI agent detects variances within…
Underpayment Data as Contract Renegotiation Leverage
Managed care contracting negotiations have traditionally been conducted on payer-provided rate proposals and negotiating experience — rarely including systematic, claim-level evidence of the payer's actual payment accuracy under the…
Works With Your Clearinghouses, EHR, and Payer Network
The AI Underpayment Recovery Agent integrates with your existing ERA delivery infrastructure — clearinghouses, EHR payment modules, and practice management billing systems — reading remittance data from your current payment posting workflow and adding the contract-rate cross-reference layer that your payment posting system was never designed to include.
Epic
Oracle Health
Availity
athenahealth
eClaimLink
Daman
From the Desk of Our Esteemed Clients
Real results from enterprises that have deployed Bonami's AI solutions across industries.
Bonami's AI platform revolutionized our content creation process. Their natural language generation tools helped us scale our content production by 300% while maintaining exceptional quality and brand voice.
85%
Stop Accepting Remittances That Pay You Less Than Your Contract Requires
Every underpayment your payment posting system accepts as a contractual adjustment without a contract-rate cross-reference is revenue your payer contractually owes and your health system will never recover once the dispute window closes.
Book an Underpayment Recovery Demo
Six Core Capabilities of the AI Underpayment Recovery Agent
From real-time 835 ERA payment variance detection and payer contract rate library management to automated dispute generation, COB shortfall recovery, prompt pay compliance enforcement, and contract renegotiation…
01
Real-Time 835 ERA Payment Variance Detection
Every 835 ERA is parsed at line-item level — extracting payment amount, CARC, RARC, procedure code, and payer plan identifier per service line for real-time contract-rate cross-reference.
02
Payer Contract Rate Library
Upload contracts once — AI extraction reads fee schedules, carve-out provisions, rate effective dates, and bundling rules into a queryable rate library.
03
Automated Dispute Generation
At variance confirmation, a payer-specific dispute letter auto-generates — citing contract clause, payment received, contractual allowable, and recovery demand — ready for submission without manual drafting.
04
COB
Every secondary payer remittance is validated against the primary EOB — confirming correct COB methodology and payer sequencing under Medicare Secondary Payer rules.
05
Prompt Pay Compliance
48 states mandate prompt payment of clean electronic claims. The agent flags every claim paid outside the statutory window and calculates interest due under each state's prompt pay statute.
06
Underpayment Analytics
Live view of variance exposure by payer, open dispute volume, recovery rate by type, urgency queue, and year-over-year underpayment trends.
Get in touch
Ready to Recover the Revenue Your Payers Contractually Owe — Before the Dispute Windows Close?
Talk to a healthcare revenue integrity specialist — get a live demo of the Underpayment Recovery Agent running against your ERA data and an underpayment assessment identifying your current variance exposure by payer, fee schedule error category, and estimated annual recovery opportunity.
Response within 24 hours
Your data is protected & secure
Free consultation, no obligation
Frequently Asked Questions
[ 1 ]
What is an AI Underpayment Recovery Agent and how is it different from denial management?
Denial management addresses claims that are rejected or denied by the payer — claims that did not result in payment. Underpayment recovery addresses claims that were paid, but paid at a rate below the contractually agreed amount.
[ 2 ]
What are the most common causes of commercial payer underpayments?
Underpayments cluster around six primary cause categories: Fee schedule year error (the payer applies a prior contract year's rates to current-year claims — most common in January and February when fee schedule effective dates roll
[ 3 ]
How does the payer contract rate library work, and what happens if the contract is not fully digitised?
The payer contract rate library is built through AI-assisted contract document ingestion: contract PDFs, Word documents, and spreadsheet-based fee schedules are uploaded to the agent's contract management module, where document AI and NLP extract the fee schedule tables, carve-out provisions, rate effective dates, bundling rules, modifier adjustments, and applicable geographic or facility qualifiers into a structured, queryable rate database.
[ 4 ]
How does the agent handle paper EOBs and non-EDI payers?
The agent handles non-standard remittance formats through two mechanisms: AI-OCR for paper and image-format EOBs (paper EOBs are digitised through a document scanning workflow, and the AI-OCR layer extracts claim number, service lines, payment amounts, and adjustment reason codes from the printed remittance layout — converting the paper document into the same structured data format as an 835 EDI transaction); and non-standard electronic format parsing (proprietary electronic remittance formats from payers that do not support full 835 EDI are ingested through a configurable format parser that maps the payer's proprietary payment data fields to the equivalent 835 data elements).
[ 5 ]
How does prompt pay interest recovery work, and is it worth pursuing?
Whether prompt pay interest recovery is financially material depends on your payer mix, the state where services are delivered, and your payers' actual payment timing.
[ 6 ]
How does the agent integrate with existing payment posting workflows?
The agent integrates as an enhancement layer within your existing payment posting workflow. When a 835 EDI transaction arrives at your clearinghouse (Availity, Waystar, or Change Healthcare/Optum) or is downloaded from a payer portal, the agent receives a copy simultaneously with your payment posting system — reading the ERA data, running the contract-rate cross-reference, and posting identified variances to the recovery queue before or concurrently with payment posting staff applying the remittance to the patient account.
[ 7 ]
What ROI timeline and recovery amounts should we expect?
ROI from underpayment recovery automation materialises in two distinct phases. Retroactive recovery (months 1–6): the agent performs a baseline audit of paid claims from the preceding 12–24 months — identifying historical underpayments for which dispute submissions are still possible.
[ 8 ]
Does underpayment recovery create tension with payer relationships?
This is a legitimate operational concern, and managing the payer relationship dimension of underpayment recovery is part of how Bonami's programme is designed. The agent generates disputes that are professionally formatted, specifically documented, and contractually grounded — citing the specific contract provision, fee schedule entry, payment received, and calculation of the recovery due.
Global presence