Reckon
$2.4M in denied claims auto-appealed last month

Get paid what you billed.
Without chasing insurance for 90 days.

Reckon files clean claims the day of service, fights denials automatically with payer-specific appeal letters, and gets you paid in 28 days instead of 62. Built for independent doctors, dentists, and clinics tired of the 8% billing-service tax.

See your unpaid claims 4% of collected · no fee on denied
28d
avg time to payment
94%
first-pass acceptance
84%
denials recovered
Calderón Dental · 142 claims this month
Claims board · live
Mar 2026 · all payers
auto-appeal running Updated 12s ago
Submitted47
CL-4082
Cigna · D2740
$1,448
CL-4081
Aetna · D1110
$184
CL-4080
United · D2950
$842
+ 44 more
Under review28
CL-4068
BCBS · D7140
$1,212
CL-4062
Delta · D2740
$1,448
CL-4058
MetLife · D2391
$284
+ 25 more
Paid142
CL-4054 · 14d
Cigna · D2750
$1,212 ✓
CL-4042 · 22d
Aetna · D7220
$948 ✓
CL-4038 · 18d
Delta · D1351
$184 ✓
+ 139 more · $182,408 mtd
Denied · appealing8
CL-4028
Cigna · D2391
$284
Missing modifier — auto-corrected, resubmitted 12s ago.
CL-4019
United · D9230
$148
Appeal letter sent · day 3
CL-3998
Aetna · D2740
$1,448
Peer-to-peer scheduled
+ 5 more · 6 will pay
0–30d
$84,212
31–60d
$28,448
61–90d
$8,184
90+d
$2,148
Open AR
$122,992
Used by 1,408 independent practices · payers we battle daily
Aetna Cigna Blue Cross Blue Shield UNITEDHEALTHCARE Delta Dental MetLife Humana Anthem Guardian Medicare
The claim lifecycle

From visit to deposit. With time stamps.

Every claim moves through the same stages. We measure each one, in seconds. If a step takes too long, you see it before your CFO does.

1 Visit
Eligibility checked at scheduling. CDT/CPT pulled from chart.
1.18s
eligibility · 270/271
2 Coded
Modifiers checked, payer-specific rules applied, scrubber green.
8s
scrubber pass
3 Submitted
837P/D goes out via Availity, Change, or Waystar — fastest path.
<2 min
post-signature
4 Adjudicated
Payer accepts or denies. 94% first-pass acceptance, industry 78%.
14d avg
payer-side
If accepted
5 · Paid
ERA posts to your bank in 28 days avg. Auto-reconciled to claim.
28d
If denied
Auto-appeal
Letter sent
avg 3hr
Peer-to-peer
Scheduled
avg 6 days
Paid
84% recover
+18d added
Auto-appeals

We don't just resubmit. We argue.

Every denial is parsed by reason code (CARC/RARC), matched against payer-specific behavior, and answered with a letter that cites medical necessity, contract language, or state law. Real attorneys reviewed our templates. Real billing managers fight the edge cases on the phone.

  • Missing modifier · auto-corrected and resubmitted in 12 seconds
  • Medical necessity · letter drafted with chart excerpts, signed by provider
  • Bundling / NCCI · we cite the right CMS edit pair
  • Outright denial · scheduled peer-to-peer, prep packet attached
Read a sample appeal letter →
Denial · CL-4028
Cigna · D2391 · $284 · Patient: Hana S.
appealing
Payer response
CARC 16 · RARC N657 Claim/service lacks information or has submission/billing error(s) which is needed for adjudication. Missing modifier required for payment.
Reckon diagnosis
D2391 (resin composite, 1 surface, posterior) requires modifier U7 for Cigna PPO members under contract 9214. Modifier missed at submission.
Resolution path
AUTO-FIX · low effort 98% recovery rate
Re-submit with U7 modifier · expected payment 12–14 days.
Corrected claim · queued
PayerCigna PPO
CDTD2391
ModifierU7 ←added
DOS02/28/2026
Billed$284
Expected pay$226.40
Sent 12s ago · clearinghouse: Availity ★ no fee — denied claim
Outcomes

Four numbers your office manager will memorize.

Trailing 12 months, 1,408 practices, ≥ 6 months on Reckon.

28d
industry · 62 days
Time-to-payment. Median, all payers.
28d Industry 62d
94%
industry · 78%
First-pass acceptance. Cleaner claims, fewer rebills.
84%
via auto-appeal
Denial recovery rate. Money you'd have written off.
1,408
+18% YoY
Practices using Reckon today.
Recovered · 2025
$48,408
from previously-denied claims
Dr. Ines Calderón, DDS
3-chair dental practice · Miami, FL · on Reckon since Jan 2024
Practice story

"We recovered $48,408 we'd already written off."

I'd been with a billing service for nine years. They took 9% of collections and "we don't appeal denials under $500" — which, in dental, is most of them. By 2023 I had a literal filing cabinet of denied claims my office manager and I had given up on.

Reckon imported them on day one. Auto-flagged the ones still inside the appeal window. By month three we'd recovered $48k in claims I'd considered dead. Now my AR > 90 days is $2,148 — used to be over $40,000. Same patients, same procedures, four percent fee.

+$48,408
recovered '25
−$38k
AR > 90 days cut
4%
fee · was 9%
Pricing

Two options. Both honest.

Percentage of what we actually collect, or a flat fee if you're bigger. Never a fee on a denied claim.

Most practices

Percentage

4% of collected revenue
no monthly minimum · no setup fee

For practices collecting under $200k/month. Industry typical is 8–10%.

  • Eligibility · claims · ERA reconciliation
  • Auto-appeals + peer-to-peer scheduling
  • No fee on denied claims
  • Patient statements + payment plans
  • Credentialing add-on · $250/payer
Start this month

Flat

$1,499 /month
for practices > $200k/mo collected

Predictable cost when volume gets bigger. Often a 60%+ savings vs percentage.

  • Everything in Percentage
  • Dedicated billing manager (named)
  • Quarterly payer contract review
  • Custom reporting + RVU dashboards
  • Credentialing included · all payers
Talk to a billing lead
Same work, half the fee. See a side-by-side cost comparison vs your current billing company — paste a recent statement →
Payer coverage

1,408 payers.
Three clearinghouses behind us.

See the full list →
Major commercial
  • Aetna96%
  • Cigna95%
  • BCBS (all states)94%
  • UnitedHealthcare93%
  • Humana95%
first-pass acceptance
Dental
  • Delta Dental96%
  • MetLife94%
  • Guardian95%
  • Cigna Dental94%
  • Principal93%
Government
  • Medicare (all MACs)97%
  • Medicare Advantage94%
  • Medicaid · 48 states91%
  • TRICARE93%
  • VA · CHAMPVA94%
Clearinghouses
  • Availityprimary
  • Change Healthcareprimary
  • Waystarfallback
  • Trizettodental
  • DentalXChangedental
multi-path routing — if one's down, we route to another.
FAQ

What an office manager actually wants to know.

Email a real billing lead: [email protected]

How does your pricing compare to our current billing company? +

Most billing services charge 8–10% of collections plus per-claim fees plus charges on denials. We charge 4% of what we collect — and zero on denied claims. For a typical 3-provider practice doing $128k/month in collections: a 9% billing service costs ~$11,520/month. Reckon costs $5,120. Same workflow, often better recovery. We'll do a free side-by-side based on your last three months of remits.

Do you actually call payers on appeals — or just resubmit and hope? +

Yes, real phone calls. ~62% of denials we recover through corrected resubmits (modifier fixes, missing data) — those are automated. The remaining ~38% are denial reasons that need a human: medical-necessity defenses, contract-rate disputes, NCCI bundling fights, peer-to-peers. We have 42 billing specialists in US offices (Charleston, Denver, San Antonio) whose job is exactly this. Avg recovery on phoned appeals: 84%.

Which payers and clearinghouses do you connect to? +

1,408 payers including all major commercial, all Medicare MACs, Medicare Advantage, Medicaid in 48 states (we're working on the last 2), TRICARE, CHAMPVA, plus 280+ dental plans. Routing is multi-path through Availity (primary), Change Healthcare (primary), and Waystar (fallback). For dental specifically: Trizetto and DentalXChange. If a payer is down or a clearinghouse is having a bad day, claims route to a working path automatically — your office never knows.

Do you handle credentialing — or is that always our headache? +

Yes. $250 per payer for new credentialing (CAQH setup, applications, follow-up). Re-credentialing is bundled into your monthly fee — we track expiration dates and start the renewal 90 days out, so you never get dropped mid-quarter. For the Flat tier, all credentialing is included. Median time-to-effective-date: 42 days for commercial, 74 days for Medicare (which is on CMS, not us).

What about denials for "not medically necessary" — do you actually fight those? +

Yes, and these are where we earn our fee. We pull the relevant chart excerpts, draft an appeal letter that cites the payer's own medical policy (with policy number), attach supporting documentation, and route it to the provider for signature. If first-level appeal fails, we schedule a peer-to-peer with their medical director — we prep the provider with the policy language, the specific denial reasoning, and a 1-page packet. Recovery rate on medical-necessity peer-to-peers: 68%.

Privacy & compliance

Patient data handled like it's our own.

Reckon is a Business Associate under HIPAA. The BAA is one page, in plain English, signed before any PHI moves. We don't sell, share, or train on patient data, ever.

HIPAA · SOC 2 Type II
Annual external audit. Latest report Feb 2026, available under NDA.
US-only operations
42 billing specialists in Charleston, Denver, San Antonio. No offshore PHI access.
BAA in 24 hours
Standard BAA, no procurement runaround. Custom redlines reviewed within 3 business days.
No data sold, no model training
Contractually committed. PHI never leaves your dedicated tenant.
$2.4M auto-appealed last month · 84% recovered

See what we'd collect from your aging report.

Paste your last 90 days of remits. We'll show you, claim-by-claim, what we'd have collected — what's appeal-able, what's a write-off, and what's been sitting too long. 24-hour turnaround.

1,408 practices · 42 US billing specialists · 28-day median time-to-payment