Your practice is owed money it already earned. We go get it.
Claimmender recovers denied and underpaid insurance claims for independent practices. Send the remittance files your billing software already produces — get a free scorecard of your recoverable dollars within one business day. We're paid a percentage only when money actually posts to your accounts.
Get your free denial audit See a sample scorecardThe money is real, and it's already yours
Sources: Experian Health State of Claims · Premier Inc. payer-denials analysis
Not because the claims are unappealable — because appealing them takes hours nobody at a small practice has. The result: money your team already earned quietly becomes a write-off, month after month.
The recovery firms serve hospitals. We built this for you.
Contingency-based denial recovery exists — for health systems, with enterprise contracts and months-long implementations. Independent practices get told to buy software, hire staff, or hand their whole billing operation to someone new. Claimmender skips all of that: your existing files, our work, a percentage of what actually comes back. Your billing company or biller stays exactly where they are — we work the pile nobody has time for.
How it works
Sign & send your files
One page: execute the HIPAA Business Associate Agreement electronically, then upload your 835/ERA remittance files — your billing software exports them in about three clicks (we send exact instructions for your system).
Get your scorecard — free
Total denied dollars, what portion is realistically recoverable and why — and what isn't worth chasing (we tell you that too). A specialist reviews every scorecard before it's sent; no raw machine output.
We recover, you verify
Approve the engagement and we correct, resubmit, and appeal in deadline order. Recoveries post on your own remittances — our monthly report reconciles to them, and our fee applies only to what actually posts.
From the founder — and exactly what happens, start to paid
- Sign up on one page — practice details, plus an e-signature on the Business Associate Agreement. That's a standard healthcare privacy agreement: it legally binds us to protect your data, and commits you to nothing paid.
- Upload your 835 files on the same page — the remittance files your billing software already produces (3-click export guide).
- Same business day: your free scorecard — denied dollars, what's recoverable, what isn't worth chasing. Yours to keep either way.
- You approve recovery — one click (or pre-authorize at signup and skip even that).
- Ten minutes of onboarding — your office manager adds us as a delegated user on your payer portals; after that your staff touches nothing.
- We file, follow up, and stay on every claim until the money is deposited to your account — payers pay you directly, always. Our fee applies only to what actually posts.
"What's an 835?" — the only file we need
Every time an insurance company responds to your claims, your billing system receives an electronic remittance file — the 835 (also called an ERA). It lists every claim, what was paid, what was denied, and the payer's reason code for each denial. You already have these files; insurers have been sending them all along.
That's why starting takes minutes, not a migration: your biller exports the last 6 months of 835s (exact 3-click instructions for Athena, Tebra, Office Ally, Kareo, and the rest), uploads them right on the signup page, and we do everything else. Nobody compiles anything by hand.
What it costs — exactly
Nothing upfront. Nothing monthly. Nothing if we recover nothing.
When we recover money, our fee is 25% of the dollars that actually post to your accounts — verified against your own remittance data, invoiced monthly, disputable line by line. Founder-led means I can only run twelve practices well — the first twelve pay 20% permanently in exchange for being reference-able. The free audit is genuinely free either way, and the scorecard is yours to keep even if you never engage us.
For every dollar Claimmender earns, we help erase roughly a dollar of patient medical debt.
Our pledge: 1% of every fee funds medical-debt forgiveness — where each $1 relieves about $100 of debt for patients who couldn't pay. Practices get their money back; patients get theirs forgiven.
Built to be trusted with billing data
- BAA before any byte moves. A HIPAA Business Associate Agreement is executed before any file transfer, and files live only in access-controlled, encrypted storage.
- Your money never touches us. Payers keep paying your practice directly, exactly as today. We bill only against recoveries visible on your own 835 postings — nothing is taken on our word.
- Human review before anything reaches you or a payer. Every scorecard is verified by a specialist before delivery. Once you approve recovery, we prepare and file everything under that standing authorization — no per-claim homework for your staff, and a complete activity log you can review any time.
- No guarantees, by policy. We quote industry statistics and your file's actual characteristics — never promised outcomes.
Questions practices actually ask
Why should I trust you with our remittance data?
Fair question — start with what we can prove: a signed BAA before anything moves, files in encrypted access-controlled storage, your money never flowing through us, and a founder you can email directly. Then judge us on the free scorecard before deciding anything further. Details: security & trust.
Will this interfere with our billing company or biller?
No. They keep doing exactly what they do. We work the denied-and-underpaid backlog that generally isn't being worked at all, and we coordinate resubmissions so nothing duplicates.
Do we have to install anything or change systems?
No software, no integration, no workflow change. You export files your system already produces; everything else happens on our side.
What exactly do you get paid?
25% of recovered dollars that actually post to your accounts — the first twelve practices pay 20% permanently in exchange for being reference-able. No recovery, no fee. No upfront, monthly, or minimum charges. The audit and scorecard are free regardless.
What happens if you find nothing worth recovering?
The scorecard says so plainly — it includes a "not worth chasing" line for exactly this reason — and you've spent nothing but a few minutes. The report is yours to keep.
What happens right after we upload?
We parse every claim and denial code, a specialist reviews the analysis, and your scorecard arrives within one business day. If you want the money recovered, you approve the engagement and we start on the fastest items first — corrected resubmissions typically pay in 2–4 weeks; appeals in 30–90 days.
Is our data used for anything else, or sold?
No. It's used solely to analyze and recover your practice's claims, under the BAA's minimum-necessary restrictions, and returned or destroyed when the engagement ends.
Will we get pressured into a sales call?
There's no required call anywhere in the process. Everything can happen over email at your pace. The scorecard sells or it doesn't; that's the whole pitch.
What access do you need from us if we engage you?
At engagement (never before), onboarding is about ten minutes: your office manager adds us as a delegated user on your payer portals (Availity and similar) so we can file appeals and track recoveries ourselves — from then on, your staff touches nothing. If you'd rather route work through your existing biller instead, that works too.
Are Medicare and Medicaid claims included?
We start with your commercial-payer claims. Government-program claims are excluded from the initial engagement scope.
Who is behind Claimmender?
It's founder-operated — Rahul Karan, reachable directly at rahul@claimmender.com. You'll know exactly who has your data and who's accountable for it.
Two ways to start
Ready now? The 3-minute path: sign the BAA and send your files →
Want to ask something first? Use the form — Rahul, the founder, will get back to you personally within one business day.
About Claimmender
Rahul Karan, Founder
I started Claimmender because the math offended me: practices deliver care, insurers deny one claim in nine up front,
more than half of worked appeals win — and yet the appealable pile mostly gets
written off, month after month, because nobody has the hours. We built the machine that makes those hours cheap,
and we only get paid out of what we actually bring back. Email me directly:
rahul@claimmender.com.