Payment posting is where a practice finds out whether it was paid correctly. Every ERA and EOB has to be applied to the right patient, the right date of service, and the right procedure line, with each adjustment coded for what it actually is. When posting is rushed, underpayments get written off, denials hide inside zero-dollar lines, and patient balances come out wrong. Maximum Billing provides payment posting services for medical, mental and behavioral health, and dental practices in twelve states, inside the practice management system you already use.
Schedule a consultation or call 800-820-0364.
What Our Payment Posting Services Cover
- Electronic remittance (ERA) posting: 835 files applied line by line, with every claim adjustment reason code and remark code reviewed rather than auto-accepted.
- Manual EOB posting: paper and portal explanations of benefits from plans that do not send ERAs.
- Patient payment posting: copays, coinsurance, deductibles, and payments on statements.
- Contractual adjustments: each write-off checked against your fee schedule before it is taken.
- Denial and zero-pay lines: logged and routed to denial management the day they post, not when someone notices the balance.
- Secondary claims: released with the primary payer’s remittance once the primary has paid.
- Deposit reconciliation: posted totals matched to bank deposits, so missing or misapplied payments surface quickly.
- Refunds and overpayments: credit balances identified and flagged for the practice to resolve.
- EFT and ERA enrollment: setting up electronic payments and remittances with payers that are still sending paper.
Why Accurate Payment Posting Matters
Every other number in the revenue cycle depends on posting. If a payment is applied to the wrong line, the aging report shows a balance that is not really owed and hides one that is. If a contractual adjustment is posted at whatever the plan reported, an underpayment becomes a permanent loss. If a denial is posted as a zero payment and closed, nobody appeals it. And if the patient portion is wrong, the statement that follows is wrong too, which is how practices end up refunding patients or chasing balances they cannot explain.
Underpayments Hide in the Posting
A payer that allows less than your contracted rate rarely says so. The remittance shows an allowed amount, a payment, and an adjustment, and unless someone compares the allowed amount with your fee schedule, the difference is written off without a second look. We compare allowed amounts with the rates you give us, flag lines that come in low, and send them to follow-up as underpayments instead of posting them as routine adjustments.
Reading Adjustment Codes Correctly
Claim adjustment reason codes (CARCs) and remittance advice remark codes (RARCs) explain why a line was paid the way it was. Group codes tell you who is responsible: CO for contractual obligation the practice absorbs, PR for patient responsibility, OA and PI for other and payer-initiated adjustments. Posting a CO adjustment as patient responsibility, or the reverse, either bills a patient for something they do not owe or writes off money the practice could have collected. Getting this right line by line is most of what separates careful posting from fast posting.
Payment Posting by Specialty
- Medical practices: multiple procedure reductions, bundling edits, and global period adjustments posted correctly. See our medical billing services.
- Mental and behavioral health: session-based payments, behavioral health plans that pay separately from the medical plan, and high patient responsibility under deductibles. See our mental and behavioral health billing services.
- Dental practices: PPO write-offs checked against fee schedules, alternate benefit downgrades, and annual maximums reached partway through treatment. See our dental billing services.
Payment Posting as Part of Your Revenue Cycle
Some practices outsource payment posting alone, often because remittances have piled up. Others add it to a full billing service. Either way, posting connects directly to accounts receivable follow-up and denial work, so problems found during posting are acted on rather than just recorded. See how it fits into our revenue cycle management services and our outsourced medical billing services.
Why Practices Choose Maximum Billing
- Founded in 2018 by Gina Abrotsky-Salvatore, CPCS, MHT, who has more than 20 years of experience in insurance billing and revenue cycle management.
- Certified billing and coding specialists who work in your software, including SimplePractice, Sessions Health, TherapyNotes, InSync, Eaglesoft, Dentrix, Dentrix Ascend, and Open Dental.
- A Business Associate Agreement with every client, and HIPAA certification for every team member.
- As of 2026, our clients’ claims reach a 91% clean claim rate, and their accounts receivable average 34 days.
Frequently Asked Questions
What is payment posting in medical billing?
Payment posting is recording insurance and patient payments, adjustments, and denials against each claim line in the practice management system, so balances, reports, and patient statements are accurate.
What is the difference between ERA and EOB posting?
An ERA is an electronic remittance that can be imported into your system. An EOB is a paper or portal statement that has to be entered by hand. Both need the same line-by-line review.
Can we outsource only payment posting?
Yes. Payment posting can be outsourced on its own or with claims, follow-up, and denial management.
How do you catch underpayments?
By comparing each allowed amount with your contracted fee schedule before the adjustment is posted, and sending low payments to follow-up instead of writing them off.
Do you post patient payments too?
Yes. We post patient payments and keep the patient portion accurate, so statements match what each patient actually owes.
Talk to Us About Payment Posting
If remittances are piling up or your write-offs look higher than they should, tell us about your payers and your software. Contact us to schedule a consultation, or call 800-820-0364.