The scan runs at night. The notice is on the desk in the morning.
Nightfile reads your out-of-network remittances overnight and tells you which lines are genuinely eligible for federal arbitration, which are not, and exactly how many business days are left on each one. Then it drafts the notice and stops, because you are the one who signs it.
The decision, the clock, the document, the record.
Every out-of-network line comes back eligible, not eligible, or needs a human, with the reason in plain English and the rule named. Nobody else sells you the decision not to file.
Thirty business days of negotiation, then four business days to initiate. Counted in business days with federal holidays taken out, shown as days remaining, per claim.
The open negotiation notice, filled in from the remittance and ready to review. You sign it. Nightfile never sends anything on your behalf.
For every notice: what was filed, when, by whom, and the eligibility reasoning as it stood at that moment. This is the record that answers a challenge.
We file fewer claims on purpose.
The federal arbitration system was projected to see around 17,000 cases a year and received more than a million. Payers are now suing over the integrity of the filings themselves, and industry groups have asked Congress to look into providers who turned volume into a business model.
Nightfile is built the other way round. The first feature is the screen that stops you filing a claim you would lose. Every filing carries its own eligibility record. And we charge a flat fee for the filing, so there is no version of this where we make more money by filing more.
Four reasons a claim is not eligible.
Medicare, Medicaid, TRICARE and federal employee plans are outside the federal process entirely.
Nineteen states have their own balance-billing law that can replace the federal process for fully insured plans.
The same service and payer cannot go back inside that window, and filing anyway is what payers are challenging.
Four business days after negotiation ends, the claim cannot be filed at all. This is the one nothing recovers.
When the remittance does not answer one of these, Nightfile says so and sends the line to a human. It never fills a gap with a guess, because an eligible verdict has to mean every question we know to ask was answered.
No, and that is deliberate. Nightfile screens, counts the clock, and drafts. A named person at your practice signs and sends. Removing that step would make us the kind of high-volume middleman currently being investigated, and it would make your filings easier to attack.
No. Nightfile produces documents and records why each line appeared eligible. Every reason is written as what the remittance showed, not as a legal conclusion, and it is for your counsel to confirm.
Because a filing that gets thrown out costs you the fee, the time, and a worse position with that payer. Arbitrators have found a sixth of all cases ineligible while plans challenged far more than that. Knowing which lines are clean is the expensive part.
One 835 remittance file, your practice details, and a signed business associate agreement. Remittance data is protected health information, so the agreement comes before anything is drafted.
A flat fee for the filing. Not a share of what you recover. Pricing is being set with the first practices and is not published yet.