Past 120 days, a billing error stops being an error and becomes a loss.
Some carriers will not adjust a billing error past 120 days, which is why invoices are reconciled every month rather than looked at once a year.
The clock starts with the invoice, not with the discovery.
Late is the same as never in some contracts.
A Carrier-Set Limit
Adjustment windows are set by each carrier. Some stop at 120 days, so an error found late may simply not be correctable.
Where Errors Come From
Terminated employees still billed, new hires not yet added and tier changes recorded late are the ordinary sources.
Small Numbers, Long Years
A modest monthly overcharge adds up across a plan year, and across a window you could not recover.
Every invoice is matched against who is actually enrolled.
The difference is found while it can still be fixed.
Invoice Against Eligibility
Each line on the carrier bill is compared with the eligibility record for that month.
Differences Flagged at Once
A mismatch is raised the month it appears, not at year end.
Corrections Requested in Time
Adjustments are requested inside the carrier’s window, with the support attached.
A cleaner year and a quieter renewal.
Nothing dramatic. That is the point.
A Reconciled Invoice
Each month’s bill, matched and marked.
A Log of Adjustments
What was found, what was requested and what came back.
Fewer Surprises at Renewal
A clean billing record keeps the renewal conversation about the plan, not the paperwork.
Questions that come up.
Short answers to the questions we hear most. Each links to the full page.
Why can a carrier billing error become a permanent loss?
Some carriers will not adjust a billing error after 120 days. Each carrier sets its own adjustment window, and the clock starts with the invoice date, not the day the error is found. Past that point, the error stops being fixable and becomes a loss.
What kinds of billing mistakes do you look for on carrier invoices?
Common sources are terminated employees who are still being billed, new hires not yet added, and late tier changes. We compare each invoice line with that month’s eligibility record and flag any mismatch in the month it appears.
What do we receive from the monthly billing check?
You receive a reconciled invoice for each month and a log of adjustments. We request adjustments within the carrier’s window with supporting documentation, which also leaves you a cleaner billing record that keeps renewal discussions focused on the plan.
Ready? Send us your renewal, or talk it through with someone first. No cost, no obligation.
General information, not legal or tax advice. Plan-specific questions belong with the plan documents, the carrier and counsel.
Send us your renewal.
We’ll tell you whether it looks competitive, where we see opportunity, and the five questions we’d put to your carrier. No cost, and no obligation to move anything.
The renewal letter
Your current plan summary
Contribution split by tier
Enrolled counts by tier
Four documents — two more if your group is 50 or more. Nothing else; every extra one is a reason to postpone.
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