Workers' comp and auto no-fault billing for providers

Your comp and no-fault bills are being cut. Most of the cuts are wrong.

We bill to the state fee schedule, challenge every improper reduction inside the window, and collect the award. You pay only on what we recover.

Send us 12 months of EORs See how it works

No contract change. No software to install. Your biller keeps everything else.

Explanation of review
Orthopedic visit, California
Billed to the fee schedule
$1,850
Carrier bill review paid
$740
Reduction
$1,110
Second review filed day 3 of 90 — injection was authorized
Independent Bill Review filed day 12 of 30 — $195 fee, refundable
Overturned. Carrier owes $1,110 plus penalty and interest.
Recovered for the practice
$1,110
93%
of California bill disputes overturned in the provider's favor
DWC Independent Bill Review, 2023–24
10%
of bills ever get a second review, even at practices that try
California e-billing data, 2023
58,311
New Jersey no-fault arbitrations in 2025, average award $5,941
NJ Department of Banking and Insurance
90 days
to challenge a reduction in California before the bill is deemed paid
8 CCR 9792.5.5
The problem

The carrier runs a rules engine on every bill. Your biller runs a spreadsheet.

Workers' comp and no-fault claims don't go to a health plan. They go to a property-casualty carrier whose bill-review vendor prices every line to the state schedule, applies a network discount, and reduces whatever it can. The only way to fight it is a state process with its own forms, fees and deadlines.

Reduced by design

One public bill-review vendor runs more than 100 million rules. Vendors are paid partly on the savings they find, so every line is a candidate.

Written off on a clock

California gives you 90 days, then 30. New York no-fault gives the carrier 30 days to pay or deny and gives you the arbitration. Miss the window and the money is gone.

Too small to fight, one at a time

The average second review recovers about $96. Nobody pays a biller to chase that. Across a year of bills it is the difference between taking comp patients and turning them away.

How it works

Every bill priced to the schedule. Every reduction read. Every improper one challenged.

1
Audit

Send us twelve months of explanations of review. We price every line to your state's schedule and return one number: what was improperly reduced, and how much is still inside the window.

2
Bill to the schedule

We price, attach the required reports and route each bill to the carrier's designated clearinghouse. Authorization requests go out with the guideline citation and get tracked.

3
Challenge inside the window

Every EOR is read and every reduction classified. Second reviews go out within days, not weeks. Disputes that survive go to IBR, MFDR, HP-1, Forthright or AAA, drafted to the forum's limits and signed by licensed staff.

4
Collect the award

We bill the penalty and interest the statute allows, track the award to payment, post it, and show you the recovered dollars by carrier every month.

The free audit

Find out what you wrote off last year. It costs nothing.

You send us the explanations of review. We send back a one-page report within ten business days.

Total reductions, split into correct and improper
Dollars still inside the dispute window, recoverable this quarter
Which carriers and bill-review vendors are reducing you most, and on what
A HIPAA business associate agreement before you send anything

We reply within one business day with the BAA and a secure upload link. Nothing is billed, ever, unless we recover money for you.

States

Each state is its own rule book. We know the ones that matter.

California
Workers' comp
Official Medical Fee Schedule. Second review within 90 days of the EOR; Independent Bill Review within 30 days after. 93% of IBR decisions went to the provider in 2023–24. Second bill review guide · IBR guide
New Jersey
No-fault
PIP fee schedule under N.J.A.C. 11:3-29. Disputes go to Forthright arbitration, with attorney fees awarded. 58,311 cases in 2025; average award $5,941.
New York
No-fault and WC
Carrier must pay or deny within 30 days. AAA arbitration with a statutory attorney fee and 2% monthly interest on overdue claims. Workers' comp disputes by HP-1 after 45 days.
Florida
Workers' comp and PIP
Carrier has 45 days to pay or deny WC bills and waives objections if it misses. Physicians were found underpaid in 75% of reimbursement petitions. PIP demand letters carry a 30-day clock.
Texas
Workers' comp
DWC fee guideline on Medicare RVUs. Bills due within 95 days of service; Medical Fee Dispute Resolution within one year. E-billing required.
Michigan
No-fault
Fee schedule at 190–200% of Medicare since the 2019 reform. 30-day payment with 12% interest. Pre-2019 injuries are exempt from the schedule and can be reprocessed.
Who it's for

Anyone who treats injured workers or crash patients and gets paid by a carrier.

Orthopedic, spine and pain groups

Comp and auto are 8 to 35% of revenue and the slowest receivable on the books. We take it whole.

Hospitals and trauma centers

A separate queue nobody wants, outsourced by RFP at 3 to 8% with no filing guarantee. We bid lower and guarantee the window.

Occupational medicine chains

Millions of visits a year to carriers, where the fee schedule is the margin. We find the systematic underpayments and file in batches.

PT, chiropractic and imaging in no-fault states

Verification requests, arbitration and billing under one roof. Your lawyer keeps the hearings and the fee.

Pricing

You pay on what comes back. Nothing up front.

Disputes only
20–25%
of dollars recovered through second review, IBR or arbitration
  • Start with the in-window reductions from your audit
  • Your biller keeps billing
  • No contract change
Start with the audit
Full receivable
Most practices
4–6%
of workers' comp and auto collections, plus contingency on disputed dollars
  • We bill, authorize, challenge and collect
  • Filing-window guarantee with a credit if we miss
  • Recovered dollars by carrier, monthly
Get your free EOR audit
Enterprise
Per bill
for hospitals and occupational medicine chains at volume
  • Cross-carrier pattern analysis
  • Batch disputes against systematic underpayment
  • RFP-ready terms and in-house arbitration
Talk to us
Questions practices ask

The short answers.

Do we have to change billing software?

No. We take an 837 export or work inside your system. Your health-plan billing does not move.

Who signs the filings?

Licensed billing staff on second reviews and state bill disputes. In New York and New Jersey no-fault arbitration, an attorney of record from our affiliated firm, or yours if you prefer.

What if the carrier never responds?

Then the statute does the work. A carrier that misses its deadline owes penalty and interest in most states, and in Florida waives its objections. We bill for all of it.

We already have a no-fault lawyer.

Keep them. We screen every bill, file the ones that belong in arbitration, and hand your lawyer the hearings and the fee. Most firms see more cases, not fewer.

How is patient data handled?

A business associate agreement before any file moves, and a secure upload.

Twelve months of EORs. One number. Then you decide.

Everything inside the window is still recoverable. Every day you wait, some of it isn't.

Get your free EOR audit