Here is the short version: a clean, payable claim that misses its filing window is not a denial you appeal, it is money you can never bill again. RecoveAR reads each payer's 2026 deadline, counts down from the date of service, and surfaces the claims closest to the edge first.
The recovery is not in working harder claims. It is in working the right claims in the right order, so the ones about to age out get touched before the door closes, not after.
The three filing clocks
Each card is a live countdown archetype. The meter shows how far a same-day claim has traveled toward its limit, and the gold flag is where RecoveAR raises its hand before the window shuts.
Set by the participating-provider agreement, not by law. Many national plans run 90 to 180 days from date of service, and a handful still hold shorter contract windows.
Source: Individual payer provider manuals and participating-provider agreements; timely-filing terms are contract-specific and must be read per plan.
One calendar year from the date of service, fixed by statute. Generous on paper, but a full year of silence is exactly how good claims disappear quietly.
Source: Social Security Act §1842(b)(3)(B); 42 CFR 424.44; CMS Medicare Claims Processing Manual (Pub. 100-04), Ch. 1, §70.
The tightest and least forgiving. Windows are set state by state: some run as short as 90 to 95 days from date of service, others allow up to a year.
Source: Each state Medicaid provider manual (e.g., Texas Medicaid via TMHP at 95 days; California Medi-Cal 6-month window per DHCS). Confirm your state's rule.
Under the hood
No manual aging report, no per-payer spreadsheet in someone's head. The engine attaches a clock to every claim the moment it lands.
Each claim is matched to its payer's filing window: the statute for Medicare, the state manual for Medicaid, the loaded contract term for commercial.
The countdown starts at DOS, not at charge entry, so a claim that sat before it reached AR is already scored on its real remaining time.
Claims are sorted by days left against dollars at risk. The shortest-fuse, highest-value work floats to the top of the queue, not the bottom of a report.
At each payer's threshold the claim is surfaced with its deadline in plain sight, so a filer touches it while it is still billable, not after.
When the payer says you were late
Payers deny for timely filing even on claims that were submitted in the window. The appeal lives or dies on documentation, so RecoveAR keeps the receipts a filed-on-time argument actually needs.
2026 reference at a glance
Archetype windows only. Commercial and Medicaid figures vary by contract and by state, so RecoveAR carries the specific rule for each payer you actually bill.
| Clock | Typical 2026 window | Counted from | Governing source |
|---|---|---|---|
| Commercial | 90–180 days | Date of service | Participating-provider agreement / payer provider manual (contract-specific) |
| Medicare Part A/B | 12 months | Date of service | SSA §1842(b)(3)(B); 42 CFR 424.44; CMS Pub. 100-04, Ch. 1, §70 |
| State Medicaid | 90–365 days | Date of service | State Medicaid provider manual (e.g., TMHP 95 days; Medi-Cal 6 months per DHCS) |
| Medicare Advantage / managed Medicaid | Plan-set | Date of service | Individual MA / MCO contract; often mirrors but can undercut the government floor |
RecoveAR is built for the AR that ages out in silence: the payable claim nobody touched because nobody knew which clock it was on. Let us map your payer windows and show you the dollars sitting closest to the edge right now.
Book a RecoveAR walkthroughASP-RCM Solutions • RecoveAR • recoverable AR, surfaced before it times out
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