$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.
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
The AI agent audits every ERA line at the moment of posting — not every tenth — so no underpayment escapes before the dispute window closes.
Dispute Windows Closed Before They Expire
With just 90–180 days to dispute underpayments, the agent detects variances at posting and generates the dispute documentation immediately.
Underpayment Data as Contract Renegotiation Leverage
The agent turns payments into claim-level evidence of payer accuracy — leverage for contract renegotiation and rate-increase requests.
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
Epic EHR payment posting AI underpayment recovery agent integration for ERA variance detection
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Oracle Health Cerner AI underpayment recovery integration for 835 ERA payer variance detection
Availity
Availity clearinghouse AI underpayment detection integration for 835 ERA commercial payer payment variance
athenahealth
athenahealth AI underpayment recovery agent integration for ambulatory payer contract rate compliance
eClaimLink
eClaimLink UAE AI underpayment recovery integration for DHA and HAAD payer payment variance detection
Daman
Daman UAE health insurance AI underpayment recovery agent for payer contract compliance and dispute management
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
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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 handles claims that were rejected and never paid; underpayment recovery handles claims that were paid below the contracted amount. Bonami's agent operates on paid remittances — every 835 ERA line is cross-referenced
[ 2 ]
What are the most common causes of commercial payer underpayments?
They cluster around six causes: fee schedule year error (prior-year rates on current claims); contract misapplication (standard fee schedule instead of a carve-out); bundling variance; modifier downcode or ignore; geographic adjustment
[ 3 ]
How does the payer contract rate library work, and what happens if the contract is not fully digitised?
It is built through AI-assisted contract ingestion: PDFs, Word docs, and spreadsheet fee schedules are uploaded, and document AI and NLP extract rate tables, carve-outs, effective dates, bundling rules, and modifier adjustments into a queryable database.
[ 4 ]
How does the agent handle paper EOBs and non-EDI payers?
The agent handles non-standard remittances two ways: AI-OCR digitises paper and image-format EOBs, extracting claim number, service lines, payment amounts, and adjustment reason codes into the same structured format as an 835 EDI transaction; and a configurable parser maps proprietary electronic formats from non-835 payers to the equivalent 835 data elements.
[ 5 ]
How does prompt pay interest recovery work, and is it worth pursuing?
It depends on your payer mix, state, and payers' actual payment timing. State statutes vary: California imposes 1.5% per month, while Texas and New York require payment within 45 days with late penalties.
[ 6 ]
How does the agent integrate with existing payment posting workflows?
The agent works as an enhancement layer within your existing payment posting workflow. When an 835 EDI transaction arrives at your clearinghouse (Availity, Waystar, or Change Healthcare/Optum) or payer portal, the agent receives a parallel copy, runs the contract-rate cross-reference, and posts variances to the recovery queue.
[ 7 ]
What ROI timeline and recovery amounts should we expect?
ROI materialises in two phases. Retroactive recovery (months 1–6): a baseline audit of paid claims from the prior 12–24 months finds historical underpayments still within dispute windows, with first-time programmes typically recovering $200K–$2M.
[ 8 ]
Does underpayment recovery create tension with payer relationships?
It's a legitimate concern, and managing the payer relationship is built into Bonami's programme. The agent generates professionally formatted, contractually grounded disputes citing the specific contract provision, fee schedule entry, payment received, and recovery due.
[ 9 ]
How does contract variance detection differ from generic claims underpayment software?
Generic underpayment software flags payments below an average or expected amount, producing high false positives and missing variances on normal-looking claims. Bonami's underpayment recovery software performs true contract variance detection: every 835 ERA line is matched to the exact contracted rate for that procedure, modifier, payer plan, facility, and effective date.
[ 10 ]
What does the payment variance recovery workflow look like once a variance is confirmed?
Once contract variance detection confirms an underpayment, the payment variance recovery workflow runs automatically. The agent classifies the variance by root cause, assigns a recovery priority based on dollar amount and remaining dispute window, and auto-generates the payer-specific dispute letter with the contract clause and recovery calculation.
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