Claimsadjudication, explained
All claims

Claim CLM-500

Priya Sharma · Policy POL-100 · Submitted June 8, 2026

Under reviewAwaiting a manual decision before payment.

Awaiting a manual decision before payment.

Billed Total charged across all line items.
$3200.00
Insurer pays The plan’s total share for this claim.
$400.00
Member owes The member's share: deductible + cost-share + anything not covered.
$1050.00

Line items

Each line is adjudicated on its own. Click a row to see where the money goes and how the decision was made.

ServiceBilledAllowedInsurer paysMember owesStatus

Benefits used

Running totals for Priya Sharma. These drive when the deductible is met and when a benefit limit is exhausted.

Deductible The member pays toward this each year before the plan starts paying for deductible-eligible services.$1000.00 / $1000.00

Fully used — further charges to this benefit aren’t covered.

Out-of-pocket max The most the member pays per year for covered services (deductible + copays + coinsurance). Once reached, the plan pays 100% of further covered costs.$250.00 / $5000.00
Physical therapy — annual limit The plan covers this benefit up to a yearly cap; amounts above the cap are the member’s responsibility.$2000.00 / $2000.00

Fully used — further charges to this benefit aren’t covered.

Lifecycle

Every state change is recorded — submission, adjudication, review, disputes, and payment.

  1. ClaimSubmittedUnder reviewSUBMIT
  2. Line itemSubmittedApprovedADJUDICATE
  3. Line itemSubmittedApprovedADJUDICATE
  4. Line itemSubmittedPartially approvedADJUDICATE
  5. Line itemSubmittedDeniedADJUDICATE
  6. Line itemSubmittedUnder reviewADJUDICATE