FileIDRExtra payments on your underpaid out-of-network claims.
FileIDR disputes low insurer payments through federal Independent Dispute Resolution so your practice gets paid more. We front the filing fees, and you keep 85% of what we recover.
Three steps from underpaid to paid more.
You keep running your practice. We handle the federal deadlines, filings and paperwork.
Free eligibility check
Share aggregate out-of-network claim counts and totals by payer and CPT family. No patient information to start. We tell you what looks eligible for federal IDR.
We file and manage
We run open negotiation, file the IDR disputes on time, front the federal fees, and prepare the offers and supporting documentation.
You recover what you're owed
When a determination goes your way, the insurer pays the additional amount. You keep 85% of what's recovered above its initial payment.
of everything recovered above the insurer's initial payment stays with your practice.
- We front the filing fees
For pilot cases, FileIDR pays the federal administrative fee and the IDR entity fee. There's no cost to you upfront.
- 15% fee, only on what we recover
Our fee is 15% of the amount recovered above the insurer's initial payment. Nothing on what you were already paid.
- Paid only when you get paid
We invoice after the insurer pays the additional amount. No retainer, no monthly fee.
- Privacy first
The eligibility check uses aggregate counts only. Patient-level detail is shared only for claims we actually file, under a proper agreement.
Providers win most federal payment disputes.
Since 2022, the No Surprises Act has given out-of-network providers a federal process to challenge low insurer payments. Many independent practices never use it because the deadlines are tight and the paperwork is heavy.
In the 2025 CMS federal IDR public-use files, providers prevailed in about 80% of Arizona anesthesia payment determinations.
Source: CMS Federal IDR reports and public-use files →Past results are not a guarantee. The figure covers decided disputes only. Some claims turn out to be ineligible, and insurer payment timing varies.
What is IDR?
Independent Dispute Resolution is the federal process created by the No Surprises Act. When an out-of-network provider and an insurer can't agree on payment, each side submits an offer and a certified independent entity picks one. CMS oversees the process.
Which claims qualify?
Generally, out-of-network emergency services and certain non-emergency services at in-network facilities, such as anesthesia, covered by plans subject to the federal process. Timing matters: there's a 30-business-day open negotiation period after the initial payment or denial, then a short window to file. Some claims fall under a state process or are otherwise ineligible; the eligibility check sorts this out.
What does it cost?
Nothing upfront. For pilot cases we front the federal administrative fee and the IDR entity fee. Our fee is 15% of what's recovered above the insurer's initial payment, and we're paid only after you are.
What if we lose a dispute?
You don't pay us anything. The filing fees we fronted are our cost, not yours. One thing to know: if the insurer's winning offer is below what it already paid, federal rules require the difference to be refunded. We screen for this before filing.
Do you need patient data?
Not to start. The eligibility check uses aggregate counts and totals by payer and CPT family. Claim-level detail is needed only for disputes we file, and only under a business associate agreement.
Interested? Send us a one-line email.
Tell us your specialty and state. We'll reply with next steps for a free eligibility check.