Stop spending 15–25 minutes per patient on manual verification. MICRA-BEV automates the entire pipeline — from insurance card image to structured benefit report — via real-time dual-clearinghouse EDI 270/271. All in under 60 seconds.
Sample JSON response · Real-time via EDI 271
Press play to see each stage of the MICRA-BEV pipeline animate step by step — from card upload to structured benefit report.
Every practice that checks benefits by hand is losing staff time, making transcription errors, and exposing claims to denial. MICRA-BEV eliminates each of these failure points.
Staff call payer hotlines, log into 8+ payer portals, manually enter card data, and transcribe benefits — for every single patient. A 20-patient practice is burning a half-day of billing labor on verification alone.
Verbal or handwritten benefit notes can't integrate with your EHR, billing system, or RCM workflow. Manual transcription errors create downstream claim denials that cost far more to fix than prevent.
Behavioral health benefits are frequently managed by a separate administrator from the medical plan. Standard BEV tools query the primary payer and miss mental health coverage entirely — resulting in denied claims.
See how MICRA-BEV detects carve-out signals that standard tools miss — and auto-reroutes to the correct mental health administrator.
MICRA-BEV meets your workflow where it is — staff-driven batch processing, patient self-service via embedded widget, or fully automated via API integration.
Your billing team works directly in a dedicated secure portal. Two operational modes cover any volume:
One patient at a time. Upload front + back card image → AI extraction → confidence review if needed → EDI 270 submission → structured benefit report in under 60 seconds.
Batch upload multiple card images simultaneously. Real-time per-patient progress in the background queue. Bulk ZIP download of all PDF reports when complete. Checkbox multi-select for targeted downloads.
Staff uploads front + back of insurance card. Works from desktop file picker or mobile camera — any browser, no app required.
Payer-specific trained models extract all 20+ fields from both sides of the card. Confidence score calculated per field and color-coded green / yellow / red.
≥95% → AUTO_ACCEPT. 85–94% → STAFF_REVIEW (card image shown alongside pre-filled form). <85% → MANUAL_ENTRY (red flags, blank form). Staff approves from the review queue before EDI submission.
Routes via Availity + CLAIM.MD to the correct payer EDI endpoint. BH carve-out detection automatically reroutes queries to the correct mental health administrator.
271 response parsed into: deductible, copay, coinsurance, session limits, prior auth flag, COB status, telehealth parity, patient cost estimate. Three PDFs auto-generated for EHR upload.
Embed directly in your existing patient portal or intake system. Fully white-labeled with your practice logo and colors. Patients photograph their own card — staff never have to touch it.
The allow="camera" attribute activates the device camera directly in the browser. CropperJS provides a 1.6:1 aspect guide with blur/glare detection and a retake prompt if quality fails.
Widget appears embedded in your portal or intake form. Patient clicks to activate camera. No app, no download, no login required — works in any mobile or desktop browser.
Camera activates with a 1.6:1 card-shaped guide overlay. Blur and glare detection checks quality in real time. If quality fails, patient is prompted to retake before submission.
"Are you the primary policyholder?" — relationship, subscriber name, and DOB collected. "Do you have secondary insurance?" — COB data captured and flagged for dual-coverage processing.
If OCR confidence falls below threshold, the patient sees "Thank you! We'll verify your coverage shortly." The escalation routes to the staff review queue — completely invisible to the patient. No abandoned intake sessions.
Widget includes a card-not-present path. Patient enters name + DOB → Insurance Discovery sweep runs automatically. Staff sees results in dashboard when complete.
Branded URLs sent via SMS or email. Patient opens on their phone, camera activates immediately. No iframe integration, no login, no app. The simplest path to card capture at scale.
Upload a CSV of patient names + contact info → MICRA-BEV sends branded intake links to each patient via SMS or email → Results aggregate in the staff dashboard as patients respond. The bulk_campaign_completed webhook fires when all responses are collected or timed out.
Patient started the widget but didn't complete it. Send an intake link as a follow-up nudge.
"24 hours before your session, please scan your insurance card so we can verify your coverage."
Direct intake link for practices without a patient portal. No integration required.
Capture card remotely before the video session starts. No in-office visit needed.
"We received notice your insurance changed — please rescan your card at your earliest convenience."
Collect subscriber relationship and secondary card data for a dependent patient on a parent's plan.
Import a full patient panel CSV, send intake links simultaneously to all patients.
Triggered automatically by the reverification_lapse_detected webhook when coverage expires.
Click each tier to see the step-by-step workflow — from staff-driven browser upload to fully automated REST API integration.
Custom-trained payer-specific computer vision models extract 20+ fields from both sides of any insurance card — including pharmacy routing codes and electronic payer IDs for direct EDI routing.
All fields confirmed. EDI 270 submitted immediately. Zero review time. Results in the staff dashboard within 60 seconds.
Uncertain fields highlighted yellow. Staff sees card image side-by-side with pre-filled form and confirms or corrects. In the patient-facing widget, escalation is completely silent — patients never see a failure state.
Red-flagged fields presented blank. Staff enters data from card image displayed alongside. EDI 270 does not auto-submit until staff approves from the review queue.
Insurance Discovery is a card-not-present payer sweep built on the same dual-clearinghouse infrastructure. Enter a patient's name and date of birth — MICRA-BEV sweeps up to 25 payers in parallel and returns all active coverage hits within 90 seconds.
tenant_only · tenant_then_regional (default) · full_sweep
EDI 270 queries submitted in parallel to every payer in your tenant configuration. Checked first because hit rates are highest for payers the practice has already enrolled with.
If Layer 1 produces no active coverage hits, the sweep expands to the top regional payers for the patient's state and ZIP code — excluding those already checked in Layer 1.
Final sweep catches patients on national plans not covered in Layers 1–2. Multiple active hits are flagged as potential COB — primacy determination surfaced in the benefit report.
POST /discover API. Card-not-present verifications are billed separately from card-present scans.
Run a simulated discovery sweep and watch payers get queried across all three layers — with COB detection when dual coverage is found.
Standard 271 parsers miss the nuances of behavioral health billing. MICRA-BEV is purpose-built for BH — extracting session limits, telehealth parity status, prior auth indicators, and carve-out detection that generic RCM tools overlook entirely.
Annual deductible, amount met, and remaining — parsed separately for Individual and Family buckets.
Per-session copay and coinsurance percentage. Patient cost estimate auto-calculated against your contracted rate.
Coverage type broken out for both delivery modes. Telehealth parity flag surfaced explicitly — critical for CPT 90837 billing accuracy.
BH-specialized parsing catches session-limit data in 271 responses — a field most standard parsers skip. Mental health parity benefits flagged when session limits are unlimited.
PA-required indicator surfaces as a warning banner with the payer's auth phone number and portal URL. Prevents claim submission without required authorization.
OI segments parsed for coordination of benefits. Multiple Discovery hits flagged as potential COB with primacy determination.
Behavioral health benefits are frequently managed by a completely separate entity from the medical plan — Optum, Beacon Health Options, Magellan. Standard BEV tools query the primary payer and miss the mental health coverage entirely. MICRA-BEV's BH-specialized 271 parsing detects carve-out arrangements and automatically reroutes the EDI 270 query to the correct mental health administrator.
Front + back card images, auto-enhanced for legibility. Tenant-branded filename template.
Formatted benefit summary — deductible, copay, coinsurance, patient estimate. Fully tenant-branded for patient communication.
Benefit summary + card images in one document. Single upload to patient's EHR chart.
Step through each BH-specialized field — deductible, copay, telehealth parity, session limits, prior auth, and COB detection.
MICRA-BEV exposes a clean REST API with structured JSON responses, HMAC-SHA256 signed webhooks, and exponential backoff retry. Integrate with any EHR, billing system, or practice management platform.
HMAC-SHA256. Retry policy: exponential backoff 30s → 2m → 10m → 1h → 4h. Auto-disabled after configurable consecutive failures (default: 10).
A separate nightly/weekly cron layer runs on the same BEV infrastructure. Configure re-verification frequency per tenant. When coverage changes or lapses are detected, the reverification_lapse_detected webhook fires — triggering intake link outreach or staff alerts before the patient's next appointment.
| Capability | MICRA-BEV™ | Payer Hotline | Availity Portal | Standard Clearinghouse BEV |
|---|---|---|---|---|
| Insurance Card OCR | ✓ Custom payer models | ✗ | ✗ | ✗ |
| Real-Time EDI 270/271 | ✓ Dual clearinghouse | ✗ Voice only | ✓ Single | ✓ Single |
| Dual Clearinghouse Failover | ✓ Availity + CLAIM.MD | ✗ | ✗ | ✗ |
| Patient Self-Service Intake | ✓ Widget + intake links | ✗ | ✗ | ✗ |
| Bulk Batch Processing | ✓ Multi-MICRA | ✗ | ✗ | Limited |
| BH-Specialized 271 Parsing | ✓ Session limits, carve-out | ✗ | ✗ | ✗ |
| BH Carve-Out Detection | ✓ Auto-reroute | Manual | ✗ | ✗ |
| Insurance Discovery (No Card) | ✓ 25-payer sweep | ✗ | ✗ | ✗ |
| Confidence-Gated Review Queue | ✓ 3-tier system | ✗ | ✗ | ✗ |
| Scheduled Re-Verification | ✓ Lapse alerts + webhooks | ✗ | ✗ | ✗ |
| REST API + Webhooks | ✓ 9 events, HMAC-signed | ✗ | Limited | EDI only |
| Patient Cost Estimate | ✓ Per session, CPT-specific | ✗ | ✗ | ✗ |
| White-Label Widget | ✓ Full tenant branding | ✗ | ✗ | ✗ |
| Staff Time Per Patient | < 2 minutes | 15–25 minutes | 10–15 minutes | 5–10 minutes |
Solo to 20-provider practices using TherapyNotes, SimplePractice, Valant, or TheraNest. Spending 15–25 min per patient on manual BEV today.
High-volume admissions with complex payer mixes, frequent re-verification needs, and H-code billing. Every new admission requires verified coverage before services begin.
Multi-tenant architecture maps directly to billing companies managing multiple practices. One MICRA-BEV account with isolated tenant workspaces and audit trails per client.
Remote-first practices have no front desk. The embedded widget and intake links were specifically designed for card capture without an in-person visit.
Card-present verifications (from card scan) and card-not-present Discovery sweeps are metered separately. No seat fees. No per-provider charges. Pay for what you use.
$0.50/sweep$1.50/verification$0.35/sweep$1.00/verification$0.20/sweep$0.75/verification$2.00/verification$0.50/sweep| Plan | Card-Present (OCR + BEV) | Card-Not-Present (Discovery) | Overage Rate |
|---|---|---|---|
| Starter | $99/mo — 100 included | $0.50/sweep | $1.50/verification |
| Professional | $299/mo — 500 included | $0.35/sweep | $1.00/verification |
| Enterprise | $799/mo — 2,000 included | $0.20/sweep | $0.75/verification |
| Pay-Per-Use | $2.00/verification, no minimum | $0.50/sweep | — |
All plans include BAA · HIPAA-compliant infrastructure · AES-256 at rest · TLS 1.3 in transit · Self-hosted inference — no cloud OCR fees. Meridian Billing RCM clients receive MICRA-BEV at no additional charge on their plan's verification allotment.
Request a live demo and we'll walk you through the full pipeline using your actual payer mix. No generic slides — real data from your clearinghouse enrollment.