Insurance discovery
Find active insurance coverage using only demographic information the patient already knows, like name and date of birth. You don’t need to know the payer or member ID.
Stedi insurance discovery finds coverage for up to 60% of patients, 3-4x more than legacy vendors.
How insurance discovery works
Find coverage with the details patients already know
Stedi takes the demographic details of your patient, and returns coverage details – all in a single API call or portal submission. When coverage is active, you get the full benefit breakdown in the eligibility response.
One check, three workflows
Insurance discovery lets you find coverage when an eligibility check isn’t possible. Common use cases include:
- Patient intake. The patient forgot their card or doesn’t know their payer. Run a check when you schedule the visit or at check-in.
- Claim submission. Get the patient’s payer ID and member ID before you submit the claim.
- Revenue recovery. Find coverage that was active on a past date of service. Turn an aging self-pay balance or denied claim into a billable one.
You only need the patient’s name and date of birth
To run an insurance discovery check, you only need:
- The patient’s first name
- The patient’s last name
- The patient’s date of birth
- The provider’s NPI
If you have it, add the state from the patient’s address or their Social Security Number (SSN). Even the last four digits of the SSN help. Extra information increases the chances of a match.
Find Medicare coverage
Transaction enrollment isn’t required to use insurance discovery. However, if you enroll with the insurance discovery payer, your insurance discovery checks can find Medicare coverage using Medicare Beneficiary Identifier (MBI) lookups. If it finds a match, the lookup returns the MBI – Medicare’s member ID – and the full eligibility response from Medicare.
Enrollment with the insurance discovery payer is one-click. You submit the request through the API, the Stedi portal, or a CSV. Stedi does the rest. Most enrollments go live within hours.
Agentic Discovery
Let the Stedi Agent run discovery for you
Agentic Discovery combines eligibility checks, automated recovery, and insurance discovery into one workflow in the Stedi portal. If an eligibility check fails, the Stedi Agent tries to recover it. If recovery fails, it runs insurance discovery for you.
Get started with insurance discovery
Insurance discovery is available on all Stedi production accounts.