They optimize prediction. We operationalize governance.

Every RCM tool on the market solves for volume, speed, or automation. None of them let your team govern the underlying reasoning.

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§ 01

Why not just AI?

Thoughtful AI, Waystar, FinThrive, R1/Phare — they automate throughput. Here’s where they plateau.

AI RCM Approach

50–200+

Examples needed before AI detects a real drift

30–90 d

To retrain and validate

$50K–$575K

Cost per drift event with retraining

Stratum Approach

~10

Directed tests to validate hypothesis

1–2 wk.

To detect, test, & update precedent

$1K–$5K

Cost per drift event

The AI paradox: 46% of healthcare organizations now use AI for RCM — yet denial rates keep rising. More AI, worse outcomes on hard cases. AI optimized for throughput doesn’t touch the evidence layer.

§ 02

Why not just better billers?

Manual Billers

15–30+

Failures before pattern is undeniable

~$115K

Cost per drift event

2–6 mo.

To adapt workflows

Stratum’s Experts

1–2

Anomalous denials trigger investigation

$1K–$5K

Cost per drift event

1–2 wk.

Entire org adapts

§ 03

The core distinction

Explainability ≠ governance. Here’s the difference that matters.

Explainability: Audit trail shows what the model decided. Read-only. You can see the reasoning but not fix it when it’s wrong.

Governance: Your team can challenge, correct, and improve the underlying reasoning. Every change tracked. Every precedent editable.

Model weights can’t be directly governed by billing teams. Our Precedents are artifacts your team controls.

AI vendors offer human-governable precedents

12–18 mo

Before competitors can retrofit traceability

§ CTA

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