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Illinois Third Party Payer Audit Defense Attorneys


Illinois Insurance Audit Defense -
Blue Cross Blue Shield of Illinois, UnitedHealthcare, Cigna, and Aetna

Post payment audits are a fact of life in today’s health care system. Third party payers use post payment reviews to identify and recover overpayments made to providers participating in their networks. In general, an overpayment occurs when services are incorrectly coded, not properly documented, not covered by the payer’s medical policy, not covered by the terms of the patient’s benefits policy, or are determined by the payer to not be medically necessary. Each payer has their own audit, refund, and appeal procedures. While some payers are more aggressive than others in their auditing procedures and tactics, all post payment audits create a financial risk to the health care provider. Fortunately, with the proper healthcare audit defense preparation and response, a provider’s financial exposure can be minimized.

Understand Your Rights and Responsibilities

If you are a participating provider with a commercial payer, you will have signed a participation agreement that describes your rights and responsibilities in medical record reviews and when the payer identifies overpayments. Most participating provider agreements give the payer the right to review records maintained by the provider (onsite or otherwise) for a number of purposes, including quality improvement, peer review activities, medical necessity reviews, and billing and claims payment. Any questions about your rights and responsibilities under the participating provider agreement should be directed to a healthcare audit defense attorney knowledgeable in payer-provider contract relations.

Responding to Medical Records Requests

Upon receipt of a medical records request from a third party payer, it is important that you understand that nature and scope of the review, including the types of services at issue and the dates of service in question. Most request letters will identify a time frame for sending requested medical records to the payer. While it is important to respond to records requests in a timely manner, it is equally as important to make sure your response is complete, as you may not be given an opportunity to supplement your initial record production. When a large number of records have been requested, it may be necessary to request a reasonable extension of time to comply with the records request.

Payer-Provider Meetings

After requested records have been submitted to the payer, the provider may be invited to a meeting with representatives of the payer to answer questions about the services reviewed or discuss any issues that have been identified. Payer-provider meetings should be taken seriously as they may be the only opportunity a provider has to answer or clarify payer questions and/or to educate the payer about his or her services.

Refund Demand Letters

After the payer reviews all the information a provider submits, they will send a letter with the results of the review. This may include a demand to repay any overpayments identified through the review. The demand letter will generally set forth the basis for the audit determination, with citation to relevant policies and other supporting documentation. The letter also will describe your rights to challenge the results of the audit, including any appeal rights. In almost all cases, a provider should appeal the payer’s overpayment determination. Even if the payer does not ultimately revise their overpayment determination, an appeal is important because it lays the foundation for the provider’s post payment audit defense in any subsequent dispute resolution procedures.

Pre-Payment Review

In recent years, payers have increasingly used pre-payment review as a tool stop perceived, consistent overpayments to providers. Pre-payment review is an administrative and financial nuisance for providers. Typically, it results in an additional documentation request from the payer for every service subject to the review. After the provider submits the requested documentation, the payer is supposed to review the documentation and either pay or deny the claim. Unfortunately, for most providers, pre-payment review often results in a large percentage of claim denials due to lack of direction from the payer or a lack of understanding by the provider of the basis or cause of the review. Complicating this issue further is the fact that not all payers clearly define or articulate the rights of providers subject to pre-payment review. A provider must act quickly and strategically in response to a pre-payment review notice, including seeking advice and counsel of experienced healthcare audit defense attorneys and possibly outside consultants in medical coding and documentation.
The Illinois third party payer audit defense attorneys at Goldberg Law Group deliver third party payer audit defense to doctors, chiropractors, physical therapists, clinical laboratories, and other health care providers and suppliers. We routinely advise and assist clients through the process of pre and post payment reviews conducted by the Special Investigations Department of Blue Cross Blue Shield of Illinois, and by post-payment review units of UnitedHealthcare, Cigna and Aetna. Through years of experience, we have developed a unique approach that is designed to help clients navigate third party payer audits in an efficient and cost-effective manner, incorporating the expertise of medical coding and documentation consultants where necessary.


For more information about Goldberg Law Group’s Illinois insurance audit defense, contact healthcare audit defense lawyers  Michael K. Goldberg or Jenna E. Milaeger at 312-930-5600

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16427 N. Scottsdale Road -

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Scottsdale, AZ 85254




Illinois Office

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Chicago, IL 60606




Practice Areas in Illinois

Medicare & Medicaid Audits

In the current regulatory environment, healthcare providers face increasing scrutiny from government healthcare programs. Goldberg Law Group provides strategic legal representation in all types of Medicare and Medicaid audits and claim reviews.

Third Party Payer Audits

Third party payer audits present a significant financial risk for physicians, industry service providers, and medical groups. Our attorneys have years of experience representing physicians and other providers in in audits and claim reviews initiated by commercial payers.

Family Law

Whether you are seeking visitation, custody, divorce, maintenance out of state removal or all of the above, the attorneys at Goldberg Law Group can help with aggressive, effective and cost efficient legal representation.

Medical Cannabis Law

Drawing upon 40 years of experience in the healthcare field, Goldberg Law Group is uniquely positioned to provide legal advice and representation to the medical cannabis industry, including healthcare providers, dispensaries and cultivation centers.

Professional Medical
Staff Discipline

Our attorneys are vigorous advocates for physicians in medical staff hearings and appeals. We work hard to protect and preserve the rights of Illinois and Arizona physicians under the medical staff bylaws and state and federal laws and defend adverse actions that threaten your membership and privileges.

Medical Staff Credentialing & Peer Review

Our healthcare attorneys routinely counsel and advise physicians with issues related to medical staff credentialing and peer review. We identify and safeguard your rights under the medical staff bylaws and applicable laws and make sure your status is presented in the most favorable light.

Healthcare Merger & Acquisition Transactions

Goldberg Law Group’s attorneys guide clients through the complex legal and regulatory issues in merger, acquisition, sales, and affiliation transactions involving physician groups, medical practices, and healthcare industry service providers.

Corporate Formation & Organization

Healthcare providers who are interested in forming and organizing their own business must adhere to a unique set of laws and regulations. Our attorneys rely upon industry-specific knowledge gained through 40 years of experience to advise physicians, chiropractors and other healthcare service providers through the process of forming and organizing their own business.

Corporate Disputes, Licensing & Litigation

The lawyers at Goldberg Law Group provide legal advice and representation in business-to-business disputes and in conflicts that arise amongst individual stakeholders.

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