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Pre-Encounter Revenue Protection

Insurance Verification That Stops Denials at the Source

The majority of claim denials are preventable. They originate not in the clinical documentation but in unverified coverage, lapsed plans, and missed prior authorization requirements. MBC confirms every coverage detail before the encounter happens.

MBC Verification Performance
98.4%
First-Pass Claim Approval Rate
24 hrs
Standard Verification Turnaround
32+
Specialties Verified Nationwide
97%+
Net Collection Rate Achieved
$2.7B+
Annual Claims Processed Across All States

What Happens When Insurance Is Not Verified Before the Encounter

Skipping or shortcutting pre-encounter verification does not save time. It converts preventable administrative errors into real revenue loss that takes weeks to identify and months to recover, if it is recovered at all.

Lapsed Coverage Generates Immediate Claim Rejection

A patient whose plan terminated, changed carriers, or aged off a dependent policy will generate an automatic payer rejection. Without pre-encounter verification, the practice learns about lapsed coverage only after the claim is returned, days or weeks after service was rendered.

Missing Prior Authorization Voids Reimbursement

Procedures requiring prior authorization that are rendered without it are denied and often cannot be appealed. The clinical work is done, the cost is incurred, and the revenue is gone. Authorization requirements are payer-specific and change without notice.

Out-of-Network Billing Creates Patient Disputes

When network status is not confirmed at verification, practices may unknowingly bill out-of-network rates. Patients dispute unexpected balances, payment slows, and the practice absorbs collection friction that verification would have eliminated entirely.

Coordination of Benefits Errors Delay Dual-Coverage Claims

Patients with Medicare plus a secondary, or employer coverage plus Medicaid, require accurate sequencing of payer responsibilities. When COB order is wrong at verification, primary claims pay incorrectly and secondary claims stall or deny outright.

How It Works

Verification Process and Coverage Points Confirmed

MBC runs a structured verification protocol against every patient encounter, confirming plan status, benefit levels, authorization requirements, and coordination rules before a single charge is entered.

01

Active Coverage and Plan Status Confirmation

MBC contacts payers directly to confirm the patient's health plan is active on the date of service. Terminated, suspended, or grace-period plans are flagged before the encounter so your team can address coverage gaps with the patient in advance.

02

Benefits, Deductibles, and Out-of-Pocket Review

Deductible balances, out-of-pocket maximums, copay amounts, and coinsurance rates are confirmed for each patient. Accurate benefit data is passed to your billing team before the encounter so patient responsibility estimates are correct from the start.

03

Prior Authorization and Referral Requirements

Procedures are checked against payer-specific authorization requirements. When prior authorization is required, MBC identifies the authorization department, initiates the request process, and confirms referral submission requirements before the service date.

04

Network Status and Coordination of Benefits

Provider network participation is confirmed with the patient's specific plan. For patients with multiple coverage layers, payer sequencing is established so primary and secondary claims are filed in the correct order with accurate coordination-of-benefits data.

Every Verification Covers These Points

MBC's verification protocol answers each of these questions for every patient encounter before the appointment occurs.

Is the patient's health plan active with the carrier on the date of service?
What is the effective coverage start date and any termination date on file?
What is the patient's deductible and how much has been applied year-to-date?
What are the copay and coinsurance amounts for the planned services?
Does the intended treatment or procedure require prior authorization?
Is a referral from the primary care physician required before the visit?
Is the treating provider participating in-network under this specific plan?
Does the patient carry secondary or tertiary coverage, and what is the COB order?
Are there any service-specific exclusions or limitations that apply?
Plan Types Verified
HMO PPO POS Medicare Medicaid Managed Care Self-Pay
Provider Group Results

What Provider Groups Report After MBC Takes Over Verification

"Our front desk was doing verbal eligibility checks over the phone and missing authorization requirements regularly. MBC took over verification and our prior auth denials dropped by over 80% in the first quarter. That was revenue we were simply not collecting before."

TN
T. Nguyen
Practice Administrator, Orthopedic Group, California

"We have a high volume of dual-eligible patients with Medicare and Medicaid. The COB sequencing errors were constant. MBC restructured our verification workflow and we have not had a COB-related denial in eight months. The time savings for our billing staff alone justified the decision."

JR
J. Rivera
CFO, Family Practice Group, Texas

"Our dermatology practice sees patients across four locations and three payer mixes. MBC verifies every patient before the appointment and flags any coverage issues the day before, giving us time to address them without disrupting the schedule. Our DAR dropped from 47 days to 29 days in five months."

AP
A. Patel
Director of Operations, Dermatology Practice, Florida
Common Questions

Insurance Verification: Frequently Asked Questions

What does insurance verification cover and why does it reduce claim denials?
Insurance verification confirms that a patient's coverage is active, identifies benefit levels and cost-sharing amounts, determines prior authorization requirements, establishes provider network status, and sequences coordination-of-benefits for patients with multiple plans. When these elements are confirmed before the encounter, the claim is assembled on accurate data from the start, eliminating the most common categories of denial that originate from coverage or eligibility errors.
How far in advance does MBC complete insurance verification before an appointment?
MBC completes standard insurance verification within 24 hours of receiving the appointment schedule, with results available to your billing team before the patient arrives. For procedures requiring prior authorization, the process begins earlier to ensure authorization is secured in advance of the service date. Any coverage issues identified during verification are communicated to your office immediately so they can be addressed before the encounter rather than discovered after a claim denial.
Which insurance plan types does MBC verify?
MBC verifies all major plan types including HMO, PPO, POS, Medicare, Medicaid, Medicare Advantage, managed care plans, and self-pay arrangements. For patients with dual coverage, MBC determines and documents the correct coordination-of-benefits sequence so primary and secondary claims are filed in the correct order. Verification is performed across 32+ specialty types and all states.
What happens when MBC identifies a coverage problem during verification?
When verification reveals a coverage problem, including lapsed coverage, incorrect member data, missing authorization, or an out-of-network conflict, MBC communicates the issue to your office immediately with a specific description of the problem and recommended resolution steps. This gives your team time to contact the patient, obtain correct insurance information, or adjust the appointment before any clinical work is performed on an uncovered basis.
Is insurance verification available as a standalone service or only as part of full RCM?
MBC offers insurance verification both as a standalone service for practices that handle other billing functions in-house, and as an integrated component of MBC's full revenue cycle management suite. When verification is part of the complete RCM engagement, data flows directly into charge entry and billing without manual handoffs, reducing the risk of transcription errors between verification and claim submission.
Related RCM Services

Insurance Verification is One Part of a Complete Revenue Cycle

Ready to Eliminate Verification Gaps?

MBC confirms active coverage, benefits, authorization requirements, and network status before every encounter. Speak with a revenue cycle specialist about your practice's verification requirements.

Serving Provider Groups in Your State
Insurance verification services available across all states.
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