§ Interactive Tool · Unit Economics Inversion
AI removes the easy denials. Does that actually help?
Complex denials cost 10× more per recovered dollar than routine ones. When AI automates the simple cases, your blended economics get worse — not better. See your numbers.
Step 1 of 3
Step 1 · Your Denial Mix
How your denials break down
Monthly denial volume
120
Average denied claim value
$3,500
% Routine / template-eligible denials
65%
Industry average: 60–70% of BH denials are routine (coding, timely filing, auth coordination). The remaining 30–40% are complex — medical necessity, interpretation-dependent, payer-behavior-driven.
Step 2 · Your Labor Profile
What denials cost to work
Denial management FTEs
2.0
Avg cost per FTE (loaded)
$65K
Minutes per routine appeal
45 min
Minutes per complex appeal
195 min
Step 3 · Complexity Shift
Win rates and the AI effect
Routine denial win rate
72%
Complex denial win rate
35%
AI automation of routine denials (%)
50%
Annual complexity increase (%)
5%
When AI automates 50%+ of routine denials, your team's time shifts overwhelmingly to complex cases — where win rates are half and labor costs are 4×.
Your Unit Economics Report
💸 The Inversion — Cost Per Recovered Dollar
| Category | Routine Denials | Complex Denials | Multiplier |
|---|---|---|---|
| Avg time per case | |||
| Labor cost per case | |||
| Win rate | |||
| Avg recovered per case | |||
| Cost per recovered $ |
📈 The Trajectory — What AI Automation Does to Your Blended Economics
| Scenario | Blended Cost/$ | Revenue at Risk | Team Capacity |
|---|---|---|---|
| Today (no AI) | |||
| With AI (routine automated) | |||
| Year 2 (complexity grows) |
AI makes your team faster on easy cases — but it doesn't help them win complex ones. As routine work disappears, your blended cost per recovered dollar rises because complex cases dominate the denominator.
🔧 The Fix — Precedent Intelligence on Complex Denials
| Without Stratum | With Stratum | Impact | |
|---|---|---|---|
| Complex time per case | |||
| Complex win rate | |||
| Complex cost/$ | |||
| Blended cost/$ (with AI) | |||
| Annual recovered revenue |
AI handles volume. Stratum handles complexity.
See how precedent intelligence closes the unit economics gap your AI tools create.
Stratum projections: 60% complex time reduction, 25% complex win rate lift. Industry data: AMA 2024, KFF 2024, Experian 2025. © 2026 Stratum Collective.