Bonus: 5 Contract Clauses Killing Your Reimbursement

This bonus episode is the full recording of Alex Yarijanian's HBMA continuing-education webinar. It runs longer than a standard VBCA episode — treat it as a resource, not a highlight reel. Most revenue cycle teams treat denials and underpayments as billing problems. A meaningful share of them are actually contract problems wearing a billing costume — and you can't fix a contract problem at the claims desk. This session walks through the five payer-contract provisions that generate the most downstream billing failures, a three-phase audit framework for finding them before they cost you, and a denial-routing model that keeps contract-based underpayments from getting silently written off in a clinical appeals queue. What you'll learn: - Why contract language — not coding errors — is where most systematic underpayment actually starts - The five provisions to check first: fee schedule effective dates, carve-outs/exclusions, coordination of benefits, authorization & notification, and timely filing - Why "rates effective upon execution by both parties" can quietly cost you weeks of underpaid claims - Why vague terms like "experimental" or "time to time" in a contract are a red flag, not boilerplate - Why state law — not the payer's internal policy — governs coordination-of-benefits primacy - Why retroactive denial of an already-issued authorization is not just bad practice — it's against federal law for government-funded products - A three-phase contract audit framework: highest-leakage provisions → highest-volume services → highest-friction appeal/recoupment timelines - A three-bucket denial-routing model (clinical / administrative / contract-based) so contract-based underpayments get escalated instead of written off Session outline: 01. Introduction — Alex's background: clinic operations, Cardinal Health/HCA, head negotiator for Humana's West Territories, then founding Carenodes to close the payer/provider information asymmetry. 02. The framing stat — a striking share of providers don't actually know what they're supposed to be paid, and contract language is where the error is born. 03. Provision 1 — Fee schedule effective dates & updates. 04. Provision 2 — Carve-outs & exclusions. 05. Provision 3 — Coordination of benefits. 06. Provision 4 — Authorization & notification. 07. Provision 5 — Timely filing. 08. The three-phase audit framework. 09. Denial routing: clinical vs. administrative vs. contract-based. 10. Close — pick your top two payers, run the checklist, renegotiate. Resources: Contract audit checklist referenced in this session — request it at vbcapodcast.com About the host: Alex Yarijanian is CEO & Founder of Carenodes. He spent seven years managing payer contracting operations for 600+ provider organizations across 48 states, including a prior role as leadership and negotiator for Humana's West Territories contracting and network management team.