Find what payers owe.

Yes. Connect a practice's SFTP folder, a secure file-transfer connection, and Owed reads new 835 files each night. Setup requires your provider's login and verified server fingerprint. Imports use the same checks as uploads, skip duplicates and leave the provider's files in place. You can pause imports or run one manually.

Revenue recovery software for behavioral-health practices and billing companies. Owed checks 835 remittances for payment gaps, ranks findings with their evidence, drafts supported appeal letters and matches later payments to track recoveries.

The electronic remittance advice payers send with each payment: every claim line, what was allowed and paid, and the reason codes for any difference. Your clearinghouse or billing system can export them.

Owed compares allowed amounts with the contracted rates you have loaded. Where applicable, it also uses your own payment history and flags denials, recoupments, missed prompt-pay interest and rate drops. Findings identify estimates and unconfirmed rules; a flag is not a guarantee of payment.

Upload a contract PDF and Owed lists the rates for you to review. You can leave out any row, and nothing is saved until you confirm. Saving re-checks your findings against the new rates. You can also import a fee schedule as a CSV. Contract uploads must not contain patient information.

Yes. Every new 835 is matched to your findings. When a payer reprocesses a claim, pays a denied service, returns a recoupment or adds the missing interest, Owed records what came in and marks the finding recovered once it's covered, showing the payment it arrived in.

No. Detection uses deterministic rules applied to your remittances, rates, payer settings and payment history. Claude on Amazon Bedrock reads contract fee schedules for your review; it does not decide findings or write appeal letters.

Owed currently works with synthetic data only while we complete the remaining compliance and security reviews. Encryption, mandatory MFA, organization isolation and audited patient-data access are built in, and our AWS BAA is active. A signed customer BAA and the remaining launch checks are required before live PHI. We do not hold a SOC 2 report or claim HIPAA certification.

Yes. Owed drafts template-based letters for 5 finding types: underpaid, downcoded, telehealth paid less, recoupment, interest owed. You review, approve and send the letter yourself, then record submissions, follow-ups and payer responses. Approval and payer acceptance do not count as recovered money; later remittances establish the recovery.

Yes. One organization can manage multiple practices, with separate remittances, rates and SFTP connections. Switch between a practice and All practices to scope findings, follow-ups, recovery totals and scan reports. Practice selection is a filter; organization roles govern access.

Behavioral-health group practices that bill insurance directly, and the billing companies that serve them. We're starting in Tennessee.

Owed is priced around what it recovers for you. We walk through it on a call. Owed never receives or holds your insurance payments; payers pay your practice directly.