$9M
Your Payers Are Keeping Up to $9 Million a Year of Your Revenue.
Award-Winning Underpayment Recovery Software
Six Core Capabilities of the AI Underpayment Recovery Agent
Six capabilities that catch every way commercial payers underpay claims.
835 ERA Payment Variance Detection
Every 835 ERA is parsed at line-item level for real-time contract-rate checks.
Contract Rate Library & Fee Schedules
Upload contracts once — AI builds a queryable fee-schedule and rate library.
Dispute Generation & Recovery
On confirmed variance, a payer-specific dispute letter auto-generates.
COB & Secondary Payer Recovery
Validates every secondary remittance against the primary EOB for correct COB.
Prompt Pay & Interest Recovery
Flags late-paid claims and calculates prompt-pay interest due by state.
Underpayment Analytics & Renegotiation
Live view of variance exposure, dispute volume, and recovery rate by payer.
Your Payers Are Keeping Up to $9 Million a Year of Your Revenue.
Underpayments don't appear in your denial worklist because the claim was paid — just at the wrong rate.
Get Underpayment Assessment
Payers Underpay 1 in 14 Claims
Measured live in production deployments, not projected in a pitch deck.
7–10%
Of paid claims contain a payment variance (Experian Health / Advisory Board benchmark)
100+
Enterprises running Bonami X AI in mission-critical healthcare operations.
24/7
Autonomous monitoring with real-time alerts across every workflow.
Our Process
Why Choose the AI Underpayment Agent
Drag or tap the dots to explore.
Every Remittance Audited — Not Every Tenth One
Every ERA line audited at posting, not sampled.
Dispute Windows Closed Before They Expire
Variances caught and disputed inside the 90-day window.
Underpayment Data as Contract Renegotiation Leverage
Claim-level payer accuracy evidence for rate renegotiation.
Works With Your Clearinghouses, EHR, and Payer Network
The agent plugs into your existing ERA infrastructure — clearinghouses, EHR payment modules, and billing systems.
Epic
Epic EHR payment posting integration for ERA variance detection
Oracle Health
Oracle Health Cerner integration for 835 ERA payer variance detection
Availity
Availity clearinghouse integration for commercial payer variance
athenahealth
athenahealth integration for ambulatory payer contract-rate compliance
eClaimLink
eClaimLink UAE integration for DHA and HAAD payer variance detection
Daman
Daman UAE integration for payer contract compliance and disputes
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.
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 Recovery Demo
Six Core Capabilities of the AI Underpayment Recovery Agent
Six capabilities that catch every way commercial payers underpay claims.
01
835 ERA Payment Variance Detection
Every 835 ERA is parsed at line-item level for real-time contract-rate checks.
02
Contract Rate Library
Upload contracts once — AI builds a queryable fee-schedule and rate library.
03
Dispute Generation
On confirmed variance, a payer-specific dispute letter auto-generates.
04
COB
Validates every secondary remittance against the primary EOB for correct COB.
05
Prompt Pay
Flags late-paid claims and calculates prompt-pay interest due by state.
06
Underpayment Analytics
Live view of variance exposure, dispute volume, and recovery rate by payer.
Get in touch
Recover What Your Payers Owe
Get a live demo on your ERA data plus a variance exposure assessment.
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 handles unpaid claims; underpayment recovery handles claims paid below contract. The agent audits every 835 ERA line against the contracted rate and disputes each variance.
[ 2 ]
What are the most common causes of commercial payer underpayments?
Six causes: fee schedule year errors, contract misapplication, bundling variance, modifier downcoding, wrong GPCI or facility rate, and COB errors.
[ 3 ]
How does the payer contract rate library work, and what happens if the contract is not fully digitised?
Document AI parses contract PDFs and fee schedules into queryable rate tables, carve-outs, and effective dates. Unresolved language is flagged for your contracting team.
[ 4 ]
How does the agent handle paper EOBs and non-EDI payers?
AI-OCR digitises paper and image EOBs, and a configurable parser maps proprietary formats to 835 elements. Both feed the same variance and dispute workflow.
[ 5 ]
How does prompt pay interest recovery work, and is it worth pursuing?
The agent calculates statutory interest on late-paid claims (California 1.5% monthly, Texas and New York 45-day rules) and issues demand notices above your threshold.
[ 6 ]
How does the agent integrate with existing payment posting workflows?
It runs as a layer on your existing posting flow: a parallel ERA copy from Availity, Waystar, or Optum is cross-referenced, with variances flagged inside Epic, Cerner, or athenahealth.
[ 7 ]
What ROI timeline and recovery amounts should we expect?
A baseline audit of 12–24 months of paid claims typically recovers $200K–$2M; ongoing detection captures 0.5–1.5% of net patient revenue per HFMA benchmarks.
[ 8 ]
Does underpayment recovery create tension with payer relationships?
Disputes are professionally formatted and cite the exact contract provision and rate, and your contracting team sets the escalation threshold per payer.
[ 9 ]
How does contract variance detection differ from generic claims underpayment software?
Generic tools flag payments below an expected average and produce false positives. Bonami matches each ERA line to the exact contracted rate, so every dispute is defensible.
[ 10 ]
What does the payment variance recovery workflow look like once a variance is confirmed?
The agent classifies the variance, prioritises it by value and dispute window, generates the payer-specific letter, then tracks and escalates it to second-level appeal.
[ 11 ]
Who builds and runs this agent?
This agent is one of 32 built and maintained by Bonami X AI, our production AI agent division. If you want an agent like this scoped for your own workflow, our AI agent development company team handles discovery, build, integration, and support end to end.
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