An estimated 20% of patients classified as "self-pay" actually have unidentified coverage. Every one of those accounts is revenue your facility earned and simply never billed.
Why coverage goes undisclosed
- Patients don't know about secondary or tertiary insurance
- Job changes leave patients genuinely confused about current coverage
- Patients don't realize they qualify for retroactive Medicaid
- High deductibles lead some patients to withhold insurance information
- Payer changes never get communicated to the provider
- Patients transition to Medicaid after receiving treatment
Every scenario leaves hundreds or thousands of dollars on the table — per account.
The safety net: retrospective discovery
CoverMe's Retrocheck works in three steps:
- Validate: real-time data assessment confirms self-pay status and demographic accuracy
- Screen: every account is checked for Medicaid and commercial payer coverage
- Recover: providers bill the found coverage; patients discover benefits they didn't know they had
Patients get covered. Hospitals get paid. Retrocheck has driven $70M+ in conversions on self-pay charges and uncovered $200M+ in hidden billing opportunities.
The window is closing
Under the 2025 Medicaid law, retroactive coverage windows shrink from 90 days to 60/30 days in 2027. The undisclosed coverage sitting in your bad debt today may literally not be billable next year — which makes proactive discovery time-sensitive in a way it has never been before.
Run your aged accounts before the retro window closes.
Send us a test batch — Retrocheck will show you exactly what's recoverable in your bad debt.
Schedule a Demo →