📋 Table of Contents
- What Does "No Invoice for 90 Days" Actually Mean?
- Who Qualifies for MDeRCM's Zero-Risk 90-Day Offer?
- Bad Debt Recovery — Turning Written-Off Revenue Back Into Cash
- Old AR Clearance Project — Recovering What You Think Is Gone
- 120+ Days AR Project — Maximum Recovery on Aging Claims
- Appeal Clearance Project — Overturning Every Wrongful Denial
- Credentials Project — Fixing the #1 Silent Revenue Killer
- Write-Off Project — Auditing & Reversing Premature Write-Offs
- Credit Balance Project — Eliminating Compliance Risk & Recapturing Overpayments
- No Minimum or Maximum Commitment — How It Works
- No Contract Boundaries — Your Terms, Your Timeline
- What Happens After 90 Days?
- MDeRCM Services Included in the 90-Day Offer
- Start Your 90-Day Zero-Risk Trial Today
🎁 1. What Does "No Invoice for 90 Days" Actually Mean?
When MDeRCM says no invoice for 90 days, we mean exactly that — zero billing to your practice for the first 90 calendar days of engagement. No setup fee. No transition fee. No hidden onboarding charges. No consulting retainer. $0 from day one until day 90.
During those 90 days, our full team — certified medical billers, RCM specialists, denial management experts, credentialing coordinators, and AI-powered billing technology — goes to work on your most critical revenue recovery projects immediately. We identify your revenue leaks, clear your old AR, appeal your denied claims, fix your credentialing gaps, and start generating cash flow back into your practice — all before you pay us a single dollar.
This is not a "free trial" in the marketing sense. This is a performance-first commitment: we prove our value in real dollars recovered before we ever send you an invoice. Most of our new clients recover more in their first 90 days with MDeRCM than they would have paid in a full year of billing fees. Our AI-powered healthcare billing platform starts working from day one, and our clients see measurable results within the first two weeks.
⭐ The MDeRCM Guarantee: If we don't recover more revenue than our fee in your first billing cycle after the 90-day period, we extend the no-cost period — no questions asked.
🏥 2. Who Qualifies for MDeRCM's Zero-Risk 90-Day Offer?
MDeRCM's 90-day zero-cost offer is designed for healthcare providers across all specialties and practice sizes in the USA — from solo practitioners and small group practices to multispecialty clinics, behavioral health centers, hospitals, and large physician groups. You qualify if any of the following apply to your practice:
Whether you are a small practice, an independent physician, a multispecialty group, a mental health or behavioral health center, or a hospital — the 90-day zero-cost offer applies. All 50 states. All specialties. All payers.
💸 3. Bad Debt Recovery — Turning Written-Off Revenue Back Into Cash
Bad debt in medical billing refers to patient balances and insurance claims that have been deemed uncollectable and removed from your active AR — but have not actually been formally written off or appealed to exhaustion. For most practices, bad debt represents 3–8% of gross charges and is one of the most significant and most recoverable sources of lost revenue.
MDeRCM's Bad Debt Recovery Project is one of eight specialized recovery initiatives included in your 90-day zero-cost engagement. Our team performs a systematic audit of all accounts flagged as bad debt over the past 24–36 months, identifying which balances are genuinely uncollectable versus which ones were prematurely categorized and are still within appeal, resubmission, or patient collections windows.
What Our Bad Debt Recovery Project Covers
| Bad Debt Category | MDeRCM Recovery Action | Avg Recovery Rate |
|---|---|---|
| Insurance denials moved to bad debt without appeal | Full appeal workup — medical necessity, parity, technical | 62–78% |
| Timely filing denials not fully exhausted | Documentation audit + late filing exception requests | 35–55% |
| Patient balances never properly billed | Restatement of patient responsibility + collection workflow | 28–45% |
| Coordination of benefits errors | COB investigation + resubmission to correct primary | 70–85% |
| Credentialing-related zero-pays | Retroactive credentialing + resubmission | 55–72% |
| Duplicate denial — actually payable | Claim audit + corrected resubmission | 80–92% |
| Authorization denials — retro auth available | Retro auth request + appeal with clinical documentation | 40–60% |
Our AI-powered denial management system automatically classifies bad debt accounts by recovery probability, prioritizing high-value recoverable claims first. For related strategies, see our Underpaid Claims Recovery Guide and Hidden Revenue Opportunities in Medical Billing.
📂 4. Old AR Clearance Project — Recovering What You Think Is Gone
Old AR — accounts receivable that has been sitting unpaid for 90–365+ days — is the single largest recoverable revenue pool for most healthcare practices. Industry data shows that the average practice has 18–24% of its total AR aged beyond 90 days, and a significant portion of that is recoverable with the right systematic approach.
MDeRCM's Old AR Clearance Project is a structured, time-bound initiative to work through your entire aging AR bucket — claim by claim — using a combination of AI-powered claim status monitoring, human billing specialists, and a proven escalation workflow. We do not just "touch" old claims; we close them — with payment, appeal resolution, or proper write-off documentation.
Old AR Clearance — Our 5-Step Process
AR Segmentation & Triage
Every old claim categorized by payer, age bucket, denial reason, and recovery probability. AI scores each claim 1–100 for collectability.
Payer Status Verification
Real-time status check on every claim — still in process, denied, pending info, or closed. Our AI Policy Status Verification runs 24/7.
Action Assignment
Each claim routed to correct workflow: resubmit, appeal, P2P request, patient billing, or write-off with documentation.
Follow-Up & Escalation
Dedicated follow-up cycles every 7–14 days per payer. Escalation to supervisors and peer-to-peer reviews when needed.
Close & Report
Every claim closed with outcome — paid, appealed, written off with reason. Full AR clearance report delivered monthly.
Our AI Accounts Receivable Management system reduces average days in AR from 54 days to 22 days — and brings old AR balances to near-zero within 90–120 days of engagement. See our claim denial reduction service for more on preventing new AR from aging.
⏰ 5. 120+ Days AR Project — Maximum Recovery on Aging Claims
Claims that have aged beyond 120 days are in the danger zone — most billing companies write them off or ignore them because they require more intensive work to collect. MDeRCM does the opposite. Our 120+ Days AR Project is a dedicated recovery initiative specifically for your most aged — and most urgently threatened — claims.
The reason 120+ day claims require special attention is straightforward: most commercial payers have timely filing deadlines of 12–18 months from date of service. Every day a 120+ day claim sits unworked is another day closer to permanent, unrecoverable write-off. Our team prioritizes these claims for immediate action — working them in parallel with your ongoing billing workflow, not in sequence.
| AR Age Bucket | Industry Avg Recovery | MDeRCM Recovery Rate | Primary Action |
|---|---|---|---|
| 0–30 days | 94–97% | 98.5% | Clean claim submission + eligibility |
| 31–60 days | 82–88% | 95% | Status check + resubmit if needed |
| 61–90 days | 68–75% | 88% | Denial review + first appeal |
| 91–120 days | 48–58% | 76% | P2P + escalated appeal |
| 121–180 days | 28–38% | 62% | Formal appeal + parity analysis |
| 181–365 days | 12–22% | 44% | Demand letter + state complaint if parity |
| 365+ days | 4–10% | 28% | Last resort appeal + legal escalation option |
Our 120+ Days AR recovery rates consistently outperform industry averages because we combine AI-driven AR prioritization with dedicated human specialists who know how to navigate payer escalation pathways, invoke MHPAEA parity rights, and prepare formal demand letters where appropriate. For more on maximizing AR recovery, see our Revenue Cycle Management Services guide.
⚖️ 6. Appeal Clearance Project — Overturning Every Wrongful Denial
The Appeal Clearance Project is MDeRCM's systematic initiative to work through your entire backlog of unresolved denied claims — building, submitting, tracking, and escalating every appeal that has a reasonable chance of overturn. Most practices have a significant backlog of denied claims that were never properly appealed: the average practice successfully appeals only 11% of denied claims, despite the fact that 63% of denials are potentially overturnable.
Our denial management specialists and AI Denial Management platform work together to maximize overturn rates across every denial category — from medical necessity and prior authorization to coding errors, credentialing issues, and MHPAEA parity violations.
Appeal Types Handled in the Appeal Clearance Project
Medical Necessity Appeals
Clinical documentation packages, physician letters, InterQual/MCG criteria alignment, and peer-to-peer review coordination.
Prior Authorization Denials
Retro-auth requests, expedited appeals, clinical peer support, and same-level-of-care comparisons.
MHPAEA Parity Violations
Formal parity analysis, NQTL challenge letters, state insurance department complaints, and DOL filings.
Coding & Billing Errors
Corrected claims, modifier corrections, diagnosis sequencing fixes, and resubmission with documentation.
Credentialing Denials
Retroactive credentialing, participation agreements, and gap-in-credentialing appeal letters.
Timely Filing Appeals
Proof of timely submission documentation, clearing house reports, and late-filing exception requests.
🎓 7. Credentials Project — Fixing the #1 Silent Revenue Killer
Credentialing errors and gaps are the single most underestimated revenue killer in medical billing. A provider who is not credentialed with a payer — or who is credentialed but with the wrong NPI, wrong group affiliation, or expired CAQH profile — generates claims that are either denied outright or paid at out-of-network rates, sometimes losing 40–70% of the expected reimbursement on every single claim.
MDeRCM's Credentials Project is a comprehensive credentialing audit and remediation initiative covering every provider in your group across every payer in your portfolio. During your 90-day zero-cost period, we audit your entire credentialing status, identify every gap and error, initiate remediation with payers, and retroactively correct billing for claims that were underpaid or denied due to credentialing issues.
| Credentialing Issue | Revenue Impact | MDeRCM Fix | Timeframe |
|---|---|---|---|
| Provider not credentialed with payer | 100% denial on all claims | Expedited credentialing application + retro billing | 45–90 days |
| Wrong NPI on file with payer | Denials or OON payment | NPI correction + resubmission of affected claims | 2–4 weeks |
| Expired CAQH attestation | Credentialing lapse + potential payment clawback | CAQH update + payer notification | 1–2 weeks |
| Group vs individual NPI mismatch | Incorrect payment routing | Corrected claim resubmission | 1–3 weeks |
| Specialty mismatch with payer file | Wrong fee schedule applied | Payer file correction + rate reconciliation | 2–6 weeks |
| Supervising physician not linked | Mid-level provider denials | Supervision agreement + billing correction | 2–4 weeks |
| Telehealth credentials not on file | GT/95 modifier denials | Telehealth credentialing + retro appeal | 3–6 weeks |
🗑️ 8. Write-Off Project — Auditing & Reversing Premature Write-Offs
One of the most damaging billing habits in healthcare is the premature write-off — writing off a claim as contractual, bad debt, or uncollectable before all recovery avenues have been exhausted. Studies show that between 25–40% of all medical billing write-offs are premature — meaning the money was actually recoverable with proper follow-through.
MDeRCM's Write-Off Project audits your last 24–36 months of write-off transactions to identify premature write-offs that can still be reversed and recovered. We analyze every write-off category — contractual adjustments, small balance write-offs, charity care, bad debt — and distinguish between write-offs that were correct versus those that represent recoverable revenue incorrectly categorized.
🚨 Write-Off Audit Red Flags We Look For:
Our RCM consulting team conducts write-off audits as a standard component of every new client onboarding — and most practices recover between $45,000 and $180,000 in write-off reversals within their first 90-day engagement. See our Hidden Revenue Opportunities guide for more details on write-off recovery strategies.
💳 9. Credit Balance Project — Eliminating Compliance Risk & Recapturing Overpayments
Credit balances — patient or insurance overpayments sitting as negative balances on accounts — are both a compliance liability and a hidden revenue opportunity. Under federal law, identified overpayments must be refunded within 60 days of identification. Practices that let credit balances accumulate risk OIG audits, False Claims Act exposure, and significant financial penalties.
At the same time, not all credit balances represent true overpayments — many result from billing errors, unapplied payments, or incorrect contractual adjustments that can be corrected in your favor. MDeRCM's Credit Balance Project resolves every credit balance on your books: correctly refunding genuine overpayments to stay compliant, and correctly reversing erroneous credits that should be reclassified as revenue.
| Credit Balance Type | Compliance Risk | MDeRCM Resolution |
|---|---|---|
| Insurance overpayment (true) | HIGH — 60-day refund requirement | Identify, document, refund with remittance advice |
| Patient overpayment (true) | MEDIUM — state escheatment laws apply | Refund or apply to future balance per patient preference |
| Unapplied payment sitting as credit | LOW — internal accounting issue | Apply to correct claim; resolve balance |
| Duplicate payment from payer | HIGH — must refund within 60 days | Identify duplicate, issue refund with documentation |
| Erroneous contractual adjustment | LOW — billing error | Reverse adjustment; repost correct contractual amount |
| Credit from denied claim incorrectly reversed | MEDIUM | Reopen claim; correct posting; appeal denial if valid |
| Coordination of benefits overpayment | HIGH | COB investigation + refund to correct payer |
Our AI Compliance Agent monitors your accounts continuously for credit balance accumulation and flags any balance approaching the 60-day federal refund threshold — keeping you compliant and audit-ready at all times. See our compliance services page for full details.
🔓 10 & 11. No Minimum/Maximum Commitment + No Contract Boundaries
MDeRCM operates on a fundamentally different model than traditional medical billing companies. We do not require long-term contracts. We do not impose minimum monthly volumes. We do not charge exit fees. We do not lock you in. Here is exactly what "no contract boundaries" means in practice:
No Long-Term Contract
Month-to-month engagement after your 90-day period. Cancel any time with 30 days notice. No penalty. No questions asked.
No Minimum Commitment
Whether you have 10 claims per month or 10,000 — our pricing scales with your volume. No minimum monthly billing thresholds.
No Maximum Commitment
Scale up anytime. Add providers, add specialties, add locations — your RCM team scales instantly with no renegotiation required.
No Transition Fee — Ever
Coming from another billing company or in-house team? We handle the full data migration, system setup, and payer credentialing transfer at zero cost.
No Invoice for 90 Days
The first 90 calendar days are completely free. All services, all projects, all recovery work — zero invoice until day 91.
No Data Lock-In
Your patient data, claim data, and financial records are always yours. We provide complete data export at any time, for any reason.
This model is possible because of our confidence in results. When your billing is performing at a 98.5% clean claim rate with 22-day AR cycles and systematic denial management, you do not need a contract to keep clients — you keep them because the results speak for themselves. See our transparent pricing page and our medical billing outsourcing benefits guide for the full picture.
📅 12. What Happens After 90 Days?
After your 90-day zero-cost period, MDeRCM moves to a standard performance-based billing arrangement — typically a percentage of net collections. Our fee is calculated only on payments actually collected, never on billed charges, so we are 100% aligned with your financial success: if we do not collect, we do not get paid.
| Phase | Timeline | What MDeRCM Does | Your Cost |
|---|---|---|---|
| Onboarding & Audit | Week 1–2 | Full AR audit, credentialing review, payer setup, system integration | $0 |
| Recovery Projects Launch | Week 2–6 | Bad debt, old AR, 120+ AR, write-off, credit balance, appeal, credentialing projects | $0 |
| Full RCM Operations | Week 6–12 | All ongoing billing, denials, payment posting, patient billing, reporting | $0 |
| Post-90 Day Standard Billing | Day 91+ | Full RCM service continuation at agreed performance fee | % of collections only |
🏥 13. MDeRCM Services Included in the 90-Day Offer
Every MDeRCM service is available from day one of your 90-day zero-cost engagement. There is no tiered access, no premium add-ons, and no features locked behind a paywall. Here is the full scope of what you receive:
AI Eligibility Verification
Real-time eligibility + benefit verification for every patient before every visit. Identifies carve-outs, deductibles, and authorization requirements instantly.
Learn More →AI Prior Authorization
Automated PA submission, status tracking, and expiration alerts. Reduces auth turnaround by 68% and prevents no-auth denials.
Learn More →AI Denial Management
Auto-classification and appeal routing for every denial within 24 hours. MHPAEA parity, medical necessity, technical — all handled.
Learn More →AI Payment Posting
Auto-post EOBs with 99.7% accuracy. Identify contractual underpayments immediately. Flag credit balances for resolution.
Learn More →AI Accounts Receivable
Real-time AR monitoring. Auto-escalation before timely filing deadlines. 120+ day AR project built in from day one.
Learn More →AI Compliance Agent
Continuous claim compliance validation — ICD-10, CPT, HIPAA, 42 CFR Part 2, credentialing — before every submission.
Learn More →Policy Status Verification
Verify active policy, in/out-of-network status, and benefit limitations. Prevents billing to terminated or wrong payer.
Learn More →Insurance Contract Repricing
Identify underpaying contracts and get AI-powered negotiation support to maximize your fee schedule rates.
Learn More →Patient Intake Optimization
AI-assisted patient intake captures all billing information correctly at registration — preventing downstream claim errors.
Learn More →