For MCOs and Insurers

Adjudicate once. Defend forever.

Decision-time evidence bundles. Court-admissible without re-papering. Recovery on the same rail. The proof layer for plans facing OIG audit risk, member litigation, and improper-payment recovery at federal scale.

Audience · MCOs and Insurers

Sixty-day Retroactive scan. Pre-Settlement integration in parallel. Court Ready Evidence Bundle in production.

Most plans begin with Retroactive because it produces measurable recovery findings in the first sixty days. Pre-Settlement integration runs in parallel and goes live once the pipeline is proven.

Tier 1 Scan
$250K Flat
Proof Audit
$750K Flat
Pre-Settle
Up to $5M
Output
CREB™
Section 01 · Your World Three pressures on the plan

What plans actually face. Today.

Healthcare payment integrity is the most adversarial vertical in the platform's footprint. The pressures compound across three categories, and the existing audit-shop tooling produces finding letters where federal recovery actions need admissible evidence.

Pressure 01

OIG audit and recovery risk.

The HHS Office of Inspector General's audit cadence has tightened. Federal program integrity offices are reaching deeper into managed care. State Medicaid program integrity is fielding aggressive recovery actions. Your finding letters need to stand up.

Pressure 02

Adversarial litigation environment.

Algorithmic prior authorization decisions face challenge in court. Class actions name carriers, plans, and individual medical directors. Member litigation around denial decisions is now a category, not an exception. What was on file at the moment of the decision needs to be provable.

Pressure 03

Recovery on the same rail.

Improper payments recovered through legacy SIU workflows take months. Cross-payer fraud rings move faster than any single plan can react. The patterns visible at one MCO are usually invisible at every other MCO until the damage is done.

Section 02 · How JIL Fits Three product lines for the plan

The proof layer underneath the medical decision.

JIL does not approve or deny care. Your medical team makes those calls. JIL proves what your medical team had on file when they made them, and surfaces patterns the data alone cannot see. The lead products for plans:

Lead Product 01

Retroactive

Forensic recovery on settled claims with court-ready evidence.
Pricing $250K to $750K Flat Scaling by MCO size. Tier 2 a la carte.

Forensic sweeps run on already-settled claims. Output is not a finding letter. It is a Court Ready Evidence Bundle, admissible under FRE 902(14), that your general counsel can take directly to recovery action or referral. Every Bundle hashed and anchored to CourtChain™ at generation time.

  • Batch sweeps on millions of historical claims
  • Pattern, anomaly, and network analytics across the full forensic catalog
  • Bad Actor Registry cross-reference for every flagged entity
  • Court Ready Evidence Bundle output for every flagged claim, entity, or scheme
  • Findings sealed and anchored to CourtChain™ at generation time
Lead Product 02

Pre-Settlement

Block improper payments before they finalize.
Pricing Up to $5M annual flat fee Tiered by claim volume.

Every claim, prior authorization request, or settlement event runs the Verdict Engine in real time. Sub-eight-hundred-millisecond verdicts mean adjudication does not slow down. Cleared payments receive a Proof of Compliance State receipt. Bad payments are stopped at the gate.

  • Inline with your claims processing system
  • Native deployment on Snowflake or Databricks where your data lives
  • Detection without contingency fees
  • PoCS receipts hash-anchored at issuance
Lead Product 03

Utilization Management

Proof beneath the plan's medical team. Never above it.
Pricing Annual flat fee Tiered by membership size. Bundled with Pre-Settlement.

The proof layer for prior authorization and medical-necessity decisions. Validates that the medical evidence on file is internally consistent, that documentation patterns match peer norms, and that flagged outliers are surfaced for the human reviewer with a sealed audit trail. The plan's clinicians make the call. JIL proves what they had in front of them.

  • Evidence consistency check on PA documentation
  • Peer-norm pattern flagging without making medical-necessity decisions
  • Sealed audit trail anchored to CourtChain™
  • Designed explicitly for the litigation environment around algorithmic care decisions
Section 03 · Engagement Sixty-day pilot

The pilot. Recovery findings in sixty days.

A sixty-day Retroactive scan against a defined historical claims window, run in parallel with Pre-Settlement integration design. Both run against your existing Snowflake or Databricks footprint where present, or on JIL Cloud where not. The output is a Court Ready Evidence Bundle per flagged claim and a production rollout plan.

Engagement Profile · MCOs and Insurers

Sixty days to CREB™. Ninety days to Pre-Settlement go-live.

LeadRetroactive + Pre-Settlement + Utilization Management
PilotSixty-day Retroactive scan, Pre-Settlement integration design in parallel
SubstrateSnowflake or Databricks (your existing footprint), or JIL Cloud
DeliverablesCourt Ready Evidence Bundle per flagged claim, integration runbook, NIST CSF 2.0 self-assessment under your BAA
Tier 1$250K flat Retroactive scan, scaling by MCO size
Tier 1B$750K flat Retroactive scan plus full proof audit plus standard integration
Compliance Posture · Healthcare
HITRUST-grade. HIPAA-engineered. Audit-ready.
HITRUST r2 SOC 2 Type 2 HIPAA + BAA CMS Aware NIST CSF 2.0 FRE 902(14)
Section 04 · Engagement

Brief us on your obligation. We will model the proof.

Plan compliance, payment integrity, and SIU leadership receive a confidential network brief: architecture, deployment posture, governance model, and a fit assessment for your specific obligation set. Typical first conversation is 45 minutes. We respond inside one business day.

Adjudicate once. Defend forever. The proof layer for healthcare payment integrity.