Healthcare

A health insurance payer processes 180,000 claims per day. 62% can be auto-adjudicated if validated against member eligibility, provider contracts, and clinical rules in real time — but the legacy system batches claims overnight, delaying provider payments by 3-5 days.

Providers wait 4.2 days average for claim payment. 38% of calls to the contact center are 'where is my payment' — costing $8.40 per call. Providers increasingly threaten to drop the network.
LIVEclaims_submitted
claim_idmember_idprovider_npicpt_codediagnosis_icdbilled_amountservice_datets
CLM-20240315-88421MBR-440218NPI-1234567890CPT-99213ICD-J06.91852024-03-152024-03-15T14:22:08.000Z
CLM-20240315-88435MBR-551903NPI-9876543210CPT-99214ICD-E11.92452024-03-152024-03-15T14:23:41.000Z
CLM-20240315-88447MBR-330417NPI-5551234567CPT-99285ICD-S52.501A18752024-03-152024-03-15T14:25:03.000Z
CLM-20240315-88452MBR-220891NPI-1234567890CPT-99213ICD-J20.91852024-03-142024-03-15T14:26:17.000Z
CLM-20240315-88460MBR-668042NPI-7773456789CPT-27447ICD-M17.11425002024-03-152024-03-15T14:27:55.000Z
CLM-20240315-88471MBR-440218NPI-1234567890CPT-85025ICD-J06.9452024-03-152024-03-15T14:28:30.000Z
Streaming SQLRunning
Ingest claims and validate eligibility
CREATE SOURCE claims_submitted WITH (
  connector = 'kafka',
  topic = 'claims.submitted',
  properties.bootstrap.server = 'broker:9092'
) FORMAT PLAIN ENCODE JSON;

CREATE MATERIALIZED VIEW eligibility_check AS
SELECT
  c.claim_id,
  c.member_id,
  c.provider_npi,
  c.cpt_code,
  c.diagnosis_icd,
  c.billed_amount,
  c.service_date,
  c.ts,
  CASE
    WHEN e.member_id IS NULL THEN 'MEMBER_NOT_FOUND'
    WHEN c.service_date < e.coverage_start OR c.service_date > e.coverage_end THEN 'NOT_COVERED_DATE'
    WHEN pb.cpt_code IS NULL THEN 'PROCEDURE_NOT_COVERED'
    ELSE 'ELIGIBLE'
  END AS eligibility_status,
  e.plan_id,
  pb.requires_prior_auth
FROM claims_submitted c
LEFT JOIN member_enrollment e
  ON c.member_id = e.member_id
  AND c.service_date BETWEEN e.coverage_start AND e.coverage_end
LEFT JOIN plan_benefits pb
  ON e.plan_id = pb.plan_id
  AND c.cpt_code = pb.cpt_code;
Apply contracted rates and adjudicate
adjudication_resultsauto-updating
claim_idstatusallowed_amountmember_respplan_paysrule_appliedadjudicated_at
CLM-20240315-88421AUTO_APPROVED12725.4101.6FEE_SCHEDULE_APPLIED2024-03-15T14:22:08.340Z
CLM-20240315-88447PEND_REVIEW000BILLED_EXCEEDS_3X_FEE2024-03-15T14:25:03.290Z
CLM-20240315-88460PEND_REVIEW000PRIOR_AUTH_REQUIRED2024-03-15T14:27:55.310Z
CLM-20240315-88479AUTO_DENIED000NOT_COVERED_DATE2024-03-15T14:29:44.280Z
RisingWave auto-adjudicates claim CLM-20240315-88421 in 340ms: member eligible, procedure CPT-99213 covered under plan, provider in-network with contracted rate $127. Payment queued immediately. Provider payment time drops to same-day.
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