Insurance Verification Services
Insurance Verification Without Employee Overhead—Save $150–250/Month
Stop wasting staff time on hold. Eliminate unemployment insurance, worker’s comp, and employer taxes.
- 30–45 minutes saved per verification
- $150–250/month saved in employee costs
- 40% reduction in claim denials
- 98% accuracy rate
The Cost Comparison
What Insurance Verification Actually Costs You
Hiring staff adds hidden overhead that quietly drains your budget every month.
Hiring Staff for Verification
Direct Labor + Monthly Overhead
Our Service
$15–25 Per Verification — Nothing Else
All the benefits of a verification specialist. None of the administrative hassle. You save $150–250/month in overhead — before counting a single prevented denial.
Complete Insurance Verification
Every Detail, Every Patient
We go far beyond a basic eligibility check — delivering a full picture of coverage, patient responsibility, and authorization requirements.
Authorization Requirements
1. Prior authorization requirements identified
2. Referral requirements from PCP
3. Notification requirements for procedures
4. Timeline requirements for authorization
Financial Responsibility
1. Annual deductible (individual & family)
2. Deductible met to date & remaining balance
3. Coinsurance percentage after deductible
4. Copay amounts for your service types
5. Out-of-pocket maximum and amount met
Policy Status & Coverage
1. Active policy confirmation with effective dates
2. Verification for your specific services
3. Coverage limitations or exclusions identified
4. In-network vs. out-of-network status confirmed
Out-of-Network Benefits
1. Out-of-network coverage percentage
2. Out-of-network deductible
3. Balance billing allowances
4. Claim filing deadlines
5. Maximum allowable charges
Flexible Pricing
Based on Your Volume
Per-verification or monthly packages — both options include complete verification, written documentation, and unlimited follow-up questions.
Per-Verification Pricing
Best for variable volume-
✓ Complete verification — all details included
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✓ Written documentation with reference numbers
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✓ Unlimited follow-up questions
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✓ Rush service available
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✓ Email and phone support
Monthly Package — 40 Verifications
Best for consistent volume-
✓ 40 complete verifications/month
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✓ Written documentation with reference numbers
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✓ No W-9 or W-8BEN filings
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✓ No unemployment or worker's comp premiums
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✓ No employer taxes or payroll fees
Monthly Package — 60 Verifications
Best for high volume-
✓ 60 complete verifications/month
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✓ Written documentation with reference numbers
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✓ No W-9 or W-8BEN filings
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✓ No unemployment or worker's comp premiums
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✓ Custom pricing available at 100+/month
ROI Calculator
Does Our Service Pay for Itself?
40 verifications per month example — the math works in your favor before counting a single prevented denial.
If You Hired Staff for 40 Verifications/Month
Staff time alone approaches our price — but the real difference is everything that comes on top of wages.
Where the Real ROI Comes From
Prevented Denials Alone Pay for the Service
What Makes Us Different
Professional Verification vs. Basic Eligibility Check
Basic Eligibility Check (What Most Practices Do) —
— “Is this insurance active?” → Yes/No
— No coverage details or patient responsibility
— No prior auth requirements identified
— No reference number or documentation
— No out-of-network benefit analysis
— Plus full employee overhead costs
Lux Med Insurance Verification
✓ Is policy active? Yes — with effective dates
✓ What’s covered, with exact dollar amounts
✓ What does the patient owe (deductible, copay)
✓ What do we need to do first (prior auth, referrals)
✓ Who we spoke with, when, and the reference number
✓ No W-9, no unemployment, no employer taxes
Real Problems We Solve
Two Scenarios — Same Practice, Different Outcomes
These are the situations our service is built to prevent.
Scenario 01
The Denial Surprise
Before Lux Med
Office verifies insurance — shows “active.” Procedure performed for $3,500. Claim denied: “Out-of-network benefits require pre-notification.” Now fighting for payment.
After Lux Med
We verify and discover the pre-notification requirement upfront. It’s documented with a reference number. Dr. gets paid in full.
→ $3,500 protected. Hours of appeals work avoided. Zero overhead costs.
Scenario 02
The Employee Overhead
Before Lux Med
Practice hires verification specialist at $20/hr (25 hrs/week). Annual costs: wages $26,000 · unemployment $750 · worker’s comp $1,200 · employer taxes $1,989 · payroll fees $900 · benefits/PTO $3,000 = $33,839/year.
After Lux Med
40 verifications/month × $18 = $720/month = $8,640/year. No tax form hassles, no HR management, no coverage issues when staff is sick.
→ $25,199/year in savings. Pure profit.
Who This Is Perfect For
Is This Right for Your Practice?
A Great Fit If…
✓ Medical practices seeing new patients regularly
✓ Surgical practices where claim values are high
✓ Out-of-network providers with complex benefit verification
✓ Growing practices where staff is overwhelmed
✓ Cost-conscious practices wanting to eliminate employee overhead
✓ Any practice experiencing claim denials or billing disputes
Probably Not a Fit If…
— You only see a few new patients per month
— You have dedicated staff with spare capacity
— You only accept Medicare (verification is simpler)
Why Lux Med
What Sets Our Verification Apart
Complete, Not Partial
We don't just check eligibility. We verify every financial detail — deductibles, copays, authorizations, and out-of-network rules — before the patient arrives.
Always Documented
Every verification includes the representative's name, reference number, date, and time. If a claim is denied later, you have ironclad documentation to fight back.
No Contracts
No minimum commitment. Use us as much or as little as you need. We earn your business every verification by delivering accurate results — not by locking you in.
Zero Administrative Burden
No W-9 filings, no employer taxes, no payroll setup, no HR headaches. You pay for a service — like your accountant or attorney. That's it.
Frequently Asked Questions
Common Questions Answered
How quickly can you turn around a verification?
Standard: 24 business hours. Rush: Same day if submitted by 10 AM.
How do you handle taxes if I'm not hiring?
You don’t file anything. You’re paying for a service — like your accountant or attorney — not hiring an employee. No W-8BEN, no W-9, no 1099 forms. We handle our own tax obligations, removing that administrative burden from your plate entirely.
What about unemployment and worker's comp insurance?
You don’t pay any. You’re not our employer—you’re our client. We carry our own insurance and pay our own unemployment taxes.
Do you handle Medicare/Medicaid?
Yes, we verify all insurance types including government programs.
Can you integrate with our EMR?
We can deliver reports via email, fax, or some EMR integrations. Discuss your system with us.
What if information changes after verification?
Insurance benefits can change. We document what we were told on the verification date with reference numbers. You’re protected.
Getting Started
Three Easy Steps
No complicated onboarding. No long-term commitment. Start seeing results with your very first verification.
01
Contact Us for Pricing
Tell us your monthly verification volume. We’ll provide custom pricing based on your needs — no obligation, no pressure.
02
Send Your First Verification
Email us the patient information. We’ll handle the full verification and deliver a comprehensive report — showing you our quality firsthand.
03
Decide If You Like It
No contract. Use us as much or as little as needed. If you like what you see, set up ongoing service. If not, walk away anytime — no penalties, no fees.
The Bottom Line
Your Choice Is Simple
With Our Verification Service
Professional Results, No Overhead
✓ Complete, accurate insurance information
✓ 30–45 minutes saved per patient
✓ 40% reduction in preventable denials
✓ $150–250/month saved in employee overhead
✓ No W-8BEN/W-9 filings
✓ No unemployment insurance
✓ No worker’s compensation
✓ No employer taxes
✓ No payroll fees
With In-House Staff
Same Verification Quality (If Well-Trained)
— Plus $434–1,200/month in overhead costs
— Plus tax form management (W-9, quarterly filings)
— Plus HR liability and management time
— Plus coverage issues when employee is sick
— Plus training and supervision time
— Plus unemployment insurance premiums
— Plus worker’s compensation premiums
— Plus FICA, Medicare, Social Security taxes
Ready to Eliminate Verification Hassles?
Get Accurate Verification Without Employee Overhead
Custom quote based on your volume. First verification completed within 24 hours. No employee taxes, insurance, or administrative burden.
Let's Hear Your Case
CONTACT US
Find Us Here
570 Sylvan Ave 2nd Floor, Englewood Cliffs, NJ 07632, United States
Get In Touch
+1 (212) 540 4263 office@handnervemicrosurgery.com
Open Hours
Monday to Friday: 9am to 5pm