Preparing an IDR offer
from the claim record.

Before using a number, ask what it represents: a submitted charge, an insurer’s payment, an offer, a determination, or money collected. Those amounts answer different questions. A historical award does not tell you what another practice will receive.

Ask where the data came from, which dates it covers, and how many claims it includes. Find out which records were left out. Ten closely matched claims and a thousand claims from different settings can tell very different stories.

The certified IDR entity selects between the parties’ offers under the applicable rules. A benchmark does not replace that process. Read the CMS process overview.

Start with the payment route and the claim record. Confirm the service, plan, provider, dates, and reason for denial or underpayment. Resolve missing information before treating a comparison as relevant.

• Service match: compare the procedure, units, setting, and any material differences.
• Time and geography: identify whether the reference period and location fit the question.
• Data meaning: distinguish settled amounts from determinations and collected payments.
• Case differences: explain why a comparison helps and where it is weak.

A comparison cannot establish your claim’s eligibility. Read the eligibility and document guide before preparing a federal IDR submission.

A reviewer should be able to find the record behind each factual statement in your submission. If a date, amount, or case detail is still an assumption, flag it for review.

Check the current rules for what information the certified IDR entity may consider. Do not assume that billed charges or a historical comparison are permissible support simply because they are available. CMS’s disputing-party guidance explains the offer and supporting-information requirements. Check current CMS notices for later changes.

1. Match each factual statement to a source record.
2. Identify missing records, contradictory dates, and uncertain assumptions.
3. Explain relevant case-specific differences rather than copying a generic narrative.
4. Confirm the authorized reviewer, filing deadline, and final submission version.

• Can we see where a benchmark comes from and what it measures?
• What happens if there are too few comparable claims?
• Who checks the submission before it is sent?
• How are corrections and conflicting records documented?
• Does reporting distinguish a favorable determination from cash received?

Clearest’s IDR service scope explains the working relationship with your practice and biller. Confirm the data available for your case and the responsibilities agreed in writing.

Company-reported metrics, industry statistics, and illustrative examples describe different populations. None establishes the expected result for an individual claim.