RCM financial models
Model Net Collection Rate, claim rework overhead and depreciated A/R recovery with the same RCM formulas our billing team runs on live claims.
Tool 1: what denials cost you each year · Tool 2: what your aging A/R is really worth.
No sign-up. Every figure updates as you type.
Two models. Pick the question you're trying to answer.
Modeled recovery: Curify removes most rework cost and lifts NCR toward 98%+, an estimated $154,836 back per year.
Get written audit report →Estimates based on your inputs and published industry benchmarks. Actual results vary by specialty and payer mix. Not a substitute for a claims-level audit.
Methodology
Every figure on this page comes from a formula, not a guess. Here's how each one is built so you can check our work.
NCR = payments collected ÷ net charges, where net charges are gross charges minus contractual adjustments. We subtract revenue abandoned on unworked denials to show your current effective NCR. A healthy practice holds 95% or better.
Annual rework = denied claims × share appealed × cost per claim × 12. The default $57 per claim is the MGMA national average; switch the selector for in-house, specialty surgical or high-complexity hospital settings.
Each aging bucket is discounted by its historical collectibility: 95% for 0–30 days, 85% for 31–60, 65% for 61–90 and 30% for 91+. The result is the realizable value of your ledger, not its face value.
FAQ
Short answers to the numbers most practice managers check first.
95% or higher is the standard for a healthy practice. Below 90% usually points to denial or coding problems that compound over time.
Best-in-class practices hold initial denial rates between 5% and 10%. At 12% or above, rework cost starts eating margin faster than most practices realize.
MGMA puts the national average around $57 per claim. Specialty surgical appeals and high-complexity hospital claims run higher — $85 to $118 in our model.
30 to 40 days is typical. Above 45 days means cash is sitting in A/R that should already be in the bank.
In our model, about 30%. Timely filing windows and payer policy close off the rest. That's why oldest-first work matters.
Free 1-page practice audit
Send us one month of denied claims. Our AAPC-certified coders deliver a written audit showing where the money is actually going — denial patterns, modifier errors and aging A/R you can still recover. No cost, no obligation.
