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Improving transparency: Real-time payer-provider connections

Explore how real-time connections can enable more accurate claim submission to create a more efficient healthcare payment system.

By Laika Kayani, Vice President, Payment Integrity Product Management | September 15, 2025 | 2-minute read

Improving transparency with real-time payer-provider connections

In traditional claim processing, the lack of interoperability between health plan and provider systems often leads to challenges and inefficiencies, like manual data exchange and a lack of transparency. This results in claim denials that drive unnecessary administrative work and costs, as well as abrasion for members and providers. But these problems are avoidable. 

With real-time, automated exchange of eligibility, claim and payment data, health plans can give providers the information they need, when they need it — before a claim is submitted. This enables providers to identify and correct errors upfront, helping reduce denials and the associated administrative rework and costs required to fix them. 

Learn how creating real-time connections in the provider workflow can help enable more accurate claim submission, prevent denials and create a more efficient healthcare payment system.

Shifting editing into the provider workflow 

Without visibility into health plan-specific requirements and policies at the point of coding and billing, providers often don’t have all the information they need to submit accurate claims. This often leads to inaccurate payments, denials and unnecessary rework for both health plans and providers.

Optum is integrating our claim editor to provider practice management systems to give providers real-time insight into health plan-specific editing rules prior to submission. We evaluate provider billing entries against editing rule sets and alert providers to potential errors in near real time, allowing them to take corrective action before submitting claims.

Shifting edits into existing provider workflows helps providers submit claims accurately the first time, reducing preventable denials and administrative waste while minimizing provider abrasion.

 

\0:03 0 minutes 3 seconds I think we're at an inflection point within the healthcare system. 0:06 0 minutes 6 seconds With modern advancements in technology connectivity, we're going to be able to make the next big leap, which is going to take costs out of the healthcare system by getting rid of administrative waste and errors. 0:19 0 minutes 19 seconds My name's Paul Root and I lead the payer administration product team within Optum Insight. 0:24 0 minutes 24 seconds The problem with claim denials is it creates friction in the claim process as claims are submitted from hysicians, health systems to health plans. 0:33 0 minutes 33 seconds Every health plan has a process where they evaluate those claims to make sure they're coded correctly, that they are billed in accordance with the payer's payment policy. 0:41 0 minutes 41 seconds Oftentimes that results in a denial, which is a claim that then is sent back to the provider that they have to do something with. 0:47 0 minutes 47 seconds Now they have to recheck it, they have to research what was wrong. 0:51 0 minutes 51 seconds They have to try to fix the claim and resubmit. 0:54 0 minutes 54 seconds So we get into this sort of back and forth and we're trying to avoid the back and forth and Optin. 1:00 1 minute We're creating connections between the payer and the provider. 1:03 1 minute 3 seconds We're integrating into the providers EHR and into the payers adjudication system and we're able to share information that's required for an accurate claim upfront in the providers workflow as they're quoting that claim to avoid denials. 1:18 1 minute 18 seconds In the long run, if we can just connect the dots, if we can create connectivity using AI and and analytics, we can remove waste from the healthcare system, and that's really what we're trying to do.

Coordinating benefits pre-submission

Today, millions of patients have coverage from multiple plans, but providers lack a full, point-in-time view of patient coverage. This results in providers inadvertently submitting claims to the wrong plan, driving billions of dollars in overpayments and administrative waste due to minimally effective recovery and reclamation processes.1,2

Optum is giving providers real-time access to our extensive set of eligibility data to help identify and validate primary coverage pre-claim submission. This enables providers to correct COB errors earlier and submit claims to the right plan the first time, avoiding denials and improper payments.

 

0:03 0 minutes 3 seconds I love that I could make an impact in this industry. 0:08 0 minutes 8 seconds I want to leave healthcare better for my children and better than I found it. 0:16 0 minutes 16 seconds I'm like a Kayani and I lead product for Payment Integrity services at Optum. 0:22 0 minutes 22 seconds There are 10s of millions of people across the US who have multiple sources of coverage. 0:27 0 minutes 27 seconds However, when a patient shows up to the provider office, they present one form of coverage, but the provider does not have a holistic view of their coverage end to end. 0:39 0 minutes 39 seconds This leads to incorrect payments of roughly 150 million claims a year. 0:43 0 minutes 43 seconds It also leads to delays in payments by about 270 days. 0:48 0 minutes 48 seconds What's great about what Optim's doing is they're providing a solution, it's called Real Time Coordination and Benefits solution that sits squarely in the providers workload. 0:57 0 minutes 57 seconds So when a patient shows up with one health plan card or a policy card, the provider can quickly check or a secondary form of coverage so that downstream when the providers getting ready to submit a claim, they're submitting that claim to the correct health plan. 1:13 1 minute 13 seconds It will fix the problem right at its source. 1:16 1 minute 16 seconds And often we really think about the payer provider relationship. 1:20 1 minute 20 seconds The opportunity that we have here is to really transform that experience for everybody involved.

By creating real-time connections with provider systems, health plans can give providers more transparency into up-to-date health plan information. This will help create a more streamlined and efficient healthcare payment system, reducing waste, lowering costs and improving the provider and patient experience.

1. 2024 Optum Revenue Cycle Denials Index
2. 2024 internal Optum data

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