Find the coverage that is already there.

Send a batch file or call the API with a name and a date of birth. The response returns active coverage across commercial, government and Blue plans, with the policy detail and the funding type attached.

No member ID. No historical patient database. One request covers every payer.

Insurance discovery is the search for active coverage on an account that shows none. A patient arrives without a card, registration records a name and a date of birth, and the account is labelled self-pay. Discovery asks the payers whether they cover that person on that date of service. When one says yes, the bill goes to the plan instead of to the patient or to write-off.

The Blue plans are the hardest part of all-payer discovery, not a separate product. Every search runs across commercial, government and Blue plans in the same request.

Blue Cross Blue Shield is not one company. It is 61 separately run state plans plus the Federal Employee Program, all sharing a name, and each one knows only its own members.

The member ID carries a prefix that tells the system which plan to ask. Without it, most plans cannot answer a coverage question, and a self-pay account by definition has no ID to give. Integrex Health locates active coverage across all 61 without a member ID and without a stored history of the patient, including out-of-state plans.

One mark per plan. Several states have more than one.

Every coverage result comes back with funding type identified: Self-Funded, Fully Insured or Unknown. Funding type is the first half of employer sponsored plan intelligence: it says who pays. Situs, the state where a fully insured plan was issued, is the second half: it says which state's rules apply. Nothing about the request changes. Check one flag in the request header and the response carries one more line.

Accounts that were headed for write-off come back as billable claims, before they reach bad debt.

If you already have a discovery vendor, keep it. Send us the accounts it could not resolve, or the coverage results it returns, and they come back with funding type added.

In the Orchestration Layer, this is where Verify begins.

The range reflects client populations to date and varies with date of service, specialty and geography.