Free tool · 2 minutes

Find out what your aged A/R
is actually costing you

Enter six numbers you already have on your aging report. We show your days in A/R, denial rate, and first-pass yield against published benchmark bands for your specialty — no PHI, nothing leaves your browser.

Your numbers

Step 1 of 2

SpecialtyAll-specialty band appliedTotal A/R outstanding$All open receivablesAverage monthly charges$Gross charges billed% of A/R over 90 days%From your aging reportDenial rate%Claims denied on first submissionFirst-pass resolution rate%Paid without rework

Aggregate figures only. No patient data, no claim detail, nothing stored. Every figure is calculated in your browser.

Results update as you type

Your benchmark

Orthopedic Surgery · all-specialty band · 4 of 4 metrics off bandBands: 3 of 4 cited to a published source (July 30, 2026); the remainder are internal working figures

Days in A/RTarget band: 30–40 days

48.9daysWatch

About 9 days of collections beyond the top of the target band — that gap is working capital sitting in A/R.

A/R over 90 daysTarget band: under 18%

31.0%Above benchmark

$458,800 of receivables are past 90 days — the bucket most exposed to appeal and timely filing deadlines.

Denial rateTarget band: 5–8%

11.4%Above benchmark

Every point above band is rework before a dollar is recovered — roughly $125,856 a year at this rate.

First-pass resolutionTarget band: 90%+

82.0%Below benchmark

18.0% of claims need rework before they pay — front-end eligibility, authorization, and coding specificity are the usual causes.

Navy marker shows the midpoint of the draft benchmark band. Bands are not yet verified — see the provenance table at the bottom of the page.

Exposure

$458,800

Sitting in A/R over 90 days

$275,280 – $321,160

Estimated recoverable share

$125,856

Annual rework cost of denials

Estimates based on your inputs and the published benchmark bands cited below.

Step 2 of 2

Have a billing lead read these numbers with you

A one-page PDF of your own numbers against each benchmark band
The three denial categories most likely driving your aged A/R
A 30-minute recovery review with a senior MBS billing lead

Send these results to MBS

Your four figures travel with you to the contact form — nothing is stored or sent until you submit it.

What these numbers say

Days in A/R at 48.9 sits about 9 days beyond the top of the target band, which is roughly $269,474 of billed work waiting on payment at any given time.

With 31.0% of receivables past 90 days against a target under 18%, the aging curve rather than charge volume is where cash is being lost. Focused follow-up on that $458,800 typically returns $275,280 to $321,160.

A denial rate of 11.4% and first-pass resolution of 82.0% point at front-end causes: eligibility, authorization, and coding specificity. At this volume that is about $125,856 a year in administrative rework, and clean-claim work usually moves both metrics together.

Sequence matters: work the aged bucket for immediate cash, then fix the front end so the same claims stop aging. Practices that do both typically pull days in A/R back into band within two to three cycles.

Recoverable share assumes 60–70% of aged A/R is collectable with focused follow-up.

Rework cost assumes 10% of denied charges is consumed by administrative rework.

Both are internal draft assumptions, not published benchmark figures.

Where the benchmark bands come from

Bands are drawn from published industry sources and cited inline, with the source and publication year shown next to each metric at launch. Specialty-level bands are applied only where a published figure exists for that specialty; otherwise the tool shows the all-specialty band and says so.

MGMA

Days in A/R, Denial rate. Draft bands, not yet verified against the published figure.

MGMA (definition only)

A/R over 90 days. Draft bands, not yet verified against the published figure.

Derived from MGMA denial range

First-pass resolution. Draft bands, not yet verified against the published figure.

KFF (CMS transparency data)

Payer-side denial context. Draft bands, not yet verified against the published figure.

Experian Health

Provider-reported denial trend. Draft bands, not yet verified against the published figure.

CMS

Timely filing & appeal windows. Draft bands, not yet verified against the published figure.

Band provenance & verification status

Each row states exactly what its band rests on: a figure published in a publicly readable source, a widely reported industry range, or an internal working figure. Licensed datasets such as MGMA DataDive percentile tables and HFMA MAP Keys are not reproduced here. The final column is reserved for MBS's own book-of-business figure, which is the only route to specialty-level bands.

3 of 4 bands cited · 0 of 4 MBS figures supplied

Metric	Band	Basis	Source & citation	Scope	MBS book of business	Last verified
Days in A/R	30–40 days	Industry-reported range	MGMA · MGMA Stat — “Days in A/R holds steady for most practices, but payer pressure persists in 2026” (July 30, 2026)	Total A/R divided by average daily charges, per MGMA's stated definition. The cited poll reports direction of travel, not a percentile table, so the 30–40 day band is the widely reported operating range rather than a quoted MGMA figure.	Awaiting MBS figure	September 18, 2026
A/R over 90 days	Under 18%	Internal working figure	MGMA (definition only) · MGMA — A/R, Collections and Payer Mix benchmark definitions	Share of total A/R in the 91+ day aging buckets, all payers. MGMA publishes the aging-bucket definitions publicly; the percentile distribution sits inside DataDive and cannot be republished here. The under-18% band is an internal working figure until MBS supplies its own.	Awaiting MBS figure	Not yet verified
Denial rate	5–8%	Published figure	MGMA · MGMA Stat, July 30, 2026: “MGMA benchmarking puts first-submission denials at 7% to 8% across the past four years,” with the 2025 Financials and Operations report noting practices can push the rate below 5% (July 30, 2026)	First-submission denial rate, all payers. Band top set at the 8% upper end of the published range; 5% lower end taken from the same source's improvement figure.	Awaiting MBS figure	September 18, 2026
First-pass resolution	90%+	Industry-reported range	Derived from MGMA denial range · Complement of the published 7–8% first-submission denial range (MGMA Stat, July 30, 2026). HFMA MAP Keys define the metric formally but are licensed and not reproduced here. (July 30, 2026)	Claims resolved without rework on first submission. Stated as a 90%+ target because it is the arithmetic complement of a sub-10% denial rate, not as a separately published benchmark.	Awaiting MBS figure	September 18, 2026
Payer-side denial context	19% of in-network claims denied	Published figure	KFF (CMS transparency data) · Claims Denials and Appeals in ACA Marketplace Plans in 2023 (Published January 27, 2025; updated March 24, 2026)	425 million claims across 175 HealthCare.gov issuers: 19% of in-network and 37% of out-of-network claims denied, in-network rates ranging 1%–54% by issuer. Payer-reported and not comparable to a practice's own first-submission denial rate — cited for context only.	Awaiting MBS figure	September 18, 2026
Provider-reported denial trend	38% report ~10% of claims denied	Published figure	Experian Health · 2024 State of Claims survey (210 revenue cycle leaders) (2024)	Nearly three in four respondents said denials are increasing; 38% said claims are denied about 10% of the time and 11% said 15%. Self-reported survey data, cited to show direction of travel rather than to set a band.	Awaiting MBS figure	September 18, 2026
Timely filing & appeal windows	Payer-specific	Internal working figure	CMS · Medicare Claims Processing Manual + CARC/RARC code lists	Filing limits and claim adjustment reason categories	Awaiting MBS figure	Not yet verified

Specialty coverage

Specialty-level percentiles are not available in any freely readable source, so every specialty below runs on the all-specialty band. The practical route to a specialty band is MBS's own book of business — each row carries an MBS figure field for that.

Orthopedic Surgery

All-specialty band · MGMA all-specialty range