Insurance verification

Eligibility and verification, handled A to Z.

3 months free. Then $750 per office per month.

About half what offices tell us they pay.

Start your free 3 months

Done for you, powered by AI

Insurance eligibility and verification, checked before every visit.

Start your free 3 months

Insurance verification for dental offices

Marzy checks every patient on your schedule against their dental insurance, starting a month ahead. It settles whether they’re covered, then fills the full benefits breakdown on your own form.

Your front desk gets only the few patients that need a person, and every not found comes with a next step. Mulholland builds it and runs it. It’s live today at Horizon Dental Care’s three offices.

Get in touch

Two jobs and a short list.

Eligibility

First, is the patient covered? Marzy reads their record, works out the carrier, member ID and subscriber, and asks the payer’s portal. On a miss, it tries again with the portal’s own answer. Each patient comes back eligible, expired, not found, self-pay or in-house plan.

Verification

Then the full benefits breakdown, about 290 boxes. Every box keeps the payer’s own wording as its source. Where the payer says nothing, the box stays blank instead of a guess. The sheet prints on your own form.

The front desk

Your team gets only the few patients that need a person. A not found comes with the next step to take. If a portal fails, the patient stays unverified. Marzy never guesses.

From your schedule to your desk.

01

Your schedule comes in.

Every hour, Marzy reads the next month of visits and patients from your practice system. It reads and never writes back.

02

New patients get checked.

Anyone new, or whose record changed, is checked on the payer’s portal right away. A plan found active is checked again before the visit if that answer is a month old.

03

The breakdown lands on your form.

Breakdowns print on your practice’s own form, each stamped with the day Marzy verified it. Download one visit, or the whole month in one file.

04

The desk gets the short list.

Filter to Issues and work only the patients that need a person, each not found with its next step. Your team enters the insurance in your system and ticks Done.

Here’s what’s waiting every morning.

The patients who need a person, why, and what to do, before they arrive. Then the ortho patients, the Humana patients and every claim still open. Behind each patient sits the full breakdown, every answer pinned to its source.

A sample morning report for Brightwater Dental, Oak Park, appointments Mon, Oct 19 to Wed, Oct 21, 2026. The office, patients, plans and claims are invented.

Mulholland, Inc.

Insurance Brief

Brightwater Dental, Oak Park

Appointments Mon, Oct 19 to Wed, Oct 21, 2026

These 4 issues need your attention.

Please add the latest insurance information (member ID, carrier, etc.) of all patients to their notes and accounts in Open Dental. Our system automatically verifies all patients within 30 minutes, no need to send us any details.

  1. Mon 10/19, 8:00 AM, Abernathy, Clara: Inactive. Aetna coverage ended 09/30/2026. Ask for new insurance, or confirm they will pay themselves, before they come in.
  2. Mon 10/19, 2:15 PM, Fairbanks, June: Not found. United Concordia has no member under the ID and birthdate on file. Ask for a photo of the card front and back at check-in.
  3. Tue 10/20, 11:45 AM, Iwasaki, Ren: Ends before visit. Cigna coverage ends 10/19/2026, before this visit. Ask for new insurance before they come in.
  4. Wed 10/21, 1:45 PM, Quintero, Mateo: Inactive. Ameritas coverage ended 08/31/2026. Ask for new insurance, or confirm they will pay themselves, before they come in.

Confidential: contains protected health information, for the named dental office only. If you received it in error, tell the sender and delete it.

Benefits are not a guarantee of payment. Verified with the payer on the date above; coverage is decided when the claim is processed.

Mulholland, Inc.

Ortho Visits

Brightwater Dental, Oak Park

Appointments Mon, Oct 19 to Wed, Oct 21, 2026

VisitPatientOrthodontic proceduresPlanNotes
Mon 10/19, 9:15 AMRasmussen, IvyD8080 Comprehensive ortho, adolescentDelta Dental PPO50% up to $2,000 lifetime, $2,000 left.
Tue 10/20, 1:00 PMSandoval, NicoD8670 Periodic ortho visitAetna PPO50% up to $1,500 lifetime, $650 left.
Wed 10/21, 11:30 AMBellamy, RosaD8660 Pre-ortho visitD0330 Panoramic x-rayMetLife PDP50% up to $1,500 lifetime, $1,500 left.
Wed 10/21, 4:00 PMThibodeaux, WrenD8090 Comprehensive ortho, adultCigna PPOOrtho not covered. Share a cost estimate.

Confidential: contains protected health information, for the named dental office only. If you received it in error, tell the sender and delete it.

Benefits are not a guarantee of payment. Verified with the payer on the date above; coverage is decided when the claim is processed.

Mulholland, Inc.

Ortho Coverage

Brightwater Dental, Oak Park

Appointments Mon, Oct 19 to Wed, Oct 21, 2026

VisitPatientAgePlanOrthoLifetime maxRemainingNotes
Mon 10/19, 9:15 AMRasmussen, Ivy14Delta Dental PPO50%$2,000$2,000Up to age 18.
Tue 10/20, 1:00 PMSandoval, Nico16Aetna PPO50%$1,500$650Up to age 18.
Wed 10/21, 11:30 AMBellamy, Rosa10MetLife PDP50%$1,500$1,500Up to age 18.
Wed 10/21, 4:00 PMThibodeaux, Wren31Cigna PPONoneUp to age 18.

Confidential: contains protected health information, for the named dental office only. If you received it in error, tell the sender and delete it.

Benefits are not a guarantee of payment. Verified with the payer on the date above; coverage is decided when the claim is processed.

Mulholland, Inc.

Humana Appointments

Brightwater Dental, Oak Park

Appointments Mon, Oct 19 to Wed, Oct 21, 2026

VisitPatientPlanNetworkDeductibleMetAnnual maxRemainingCoverageNotes
Mon 10/19, 8:45 AMVance, HarrietHumana PPOIn network$50$50$1,250$910100 / 80 / 50No issues.
Mon 10/19, 10:30 AMDelacroix, MartinHumana PPOIn network$50$0$1,500$1,500100 / 80 / 50Pays for the least costly alternative.
Tue 10/20, 10:15 AMWinslow, TheoHumana DHMOIn networkNoneNoneCopay scheduleNo issues.
Wed 10/21, 2:30 PMYarrow, BeaHumana PPOOut of network$100$0$1,000$1,00080 / 60 / 40Pays for the least costly alternative.

Confidential: contains protected health information, for the named dental office only. If you received it in error, tell the sender and delete it.

Benefits are not a guarantee of payment. Verified with the payer on the date above; coverage is decided when the claim is processed.

Mulholland, Inc.

Outstanding Claims

Brightwater Dental, Oak Park

Appointments Mon, Oct 19 to Wed, Oct 21, 2026

PatientVisitPayerClaimSentProceduresBilledExpectedOpen
Abernathy, ClaraMon 10/19, 8:00 AMAetna PPO5221806/30/2026D2740$1,310$655108 days
5276408/04/2026D2950$310$15573 days
Halloran, PeterTue 10/20, 9:00 AMCigna PPO5339009/29/2026D1110, D0274$245$19617 days
MetLife PDP5339110/02/2026D1110, D0274$245$4914 days, secondary
Sandoval, NicoTue 10/20, 1:00 PMAetna PPO5298108/27/2026D8670 ×3$570$28550 days
Thibodeaux, WrenWed 10/21, 4:00 PMCigna PPO53602D4342, D4910$415$332Never sent

Confidential: contains protected health information, for the named dental office only. If you received it in error, tell the sender and delete it.

Benefits are not a guarantee of payment. Verified with the payer on the date above; coverage is decided when the claim is processed.

The full report goes on: ortho visits, ortho coverage, Humana patients and every open claim.

Download the sample report (PDF)

A sample on Mulholland’s own report. The office, patients, plans and claims are invented.

Mulholland, Inc.

Insurance Plan Breakdown

Delta Dental of Illinois

Verified 10/12/2026

Patient, plan, money, plan rules and history
Patient
Office
Brightwater Dental - Oak Park, source: practice system
Appointment
10/15/2026, 10:30 AM, source: practice system
Patient
Maren Holloway, source: practice system
Patient DOB
03/14/1985, source: practice system
Relationship
Spouse, source: payer portal
Subscriber
Theo Holloway, source: practice system
Subscriber DOB
11/02/1983, source: practice system
Subscriber ID
9036418257, source: payer portal
Plan
Insurance company
Delta Dental of Illinois, source: payer portal
Plan name
Delta Dental PPO, source: payer portal
Payer ID
05030, source: payer portal
Phone
(800) 323-1743, source: payer portal
Claims address
P.O. Box 5402, Lisle, IL 60532, source: plan document
Group #
21740, source: payer portal
Employer or group name
Harbor Line Outfitters LLC, source: payer portal
Effective date
01/01/2024, source: payer portal
Fee schedule
Delta Dental PPO, source: payer portal
Eligibility
Active, source: payer portal
Plan type
PPO, source: plan document
Network
In, source: payer portal
Assigned to this officeNot stated
Other coverageNot stated
Verified by / date
Marzy (automated), 10/12/2026, source: Marzy
MoneyTotalRemaining
Annual maximum
$1,500, source: plan document
$1,182.40, source: payer portal
Deductible
$50, source: plan document
$0, source: payer portal
Family deductible
$150, source: plan document
$50, source: payer portal
Ortho lifetime maximum
$1,500 per lifetime, source: plan document
$1,500, source: payer portal
Ortho deductible
None, source: plan document
None, source: plan document
Plan rules
Plan year
Calendar, source: payer portal
Contract anniversaryNot stated
Waiting periods
None, source: payer portal
COB
Standard, source: plan document
Assignment
Provider, source: payer portal
Pre-authorization
Recommended, source: plan document
Deductible applies to D&P
No, source: payer portal
Maximum applies to D&P
Yes, source: plan document
Maximum rolloverNot stated
Missing tooth clause
No, source: plan document
Replacement clause
1 every 60 months, source: plan document
History
Last cleaning D1110, D1120
D1110 04/08/2026, source: payer portal
Last exam D0120, D0150
D0120 04/08/2026, source: payer portal
Last FMX D0210
D0210 03/02/2022, source: payer portal
Last pano D0330
D0330 08/17/2020, source: payer portal
Last BWX D0270–D0274
D0274 04/08/2026, source: payer portal
Last PAs D0220, D0230
D0220 06/22/2026 #30, source: payer portal
Last fluoride D1206, D1208Not stated
Last sealants D1351Not stated
Last perio maintenance D4910Not stated
Last SRP D4341, D4342Not stated
Last crowns D2710–D2799
D2740 11/03/2021 #19, source: payer portal
Last fillings D2140–D2394
D2392 06/22/2026 #30, source: payer portal
Other history
D9944 09/12/2023, source: payer portal
Procedures
CodeProcedureCoverageFrequencyAge
D0100–D0999Diagnostic
100%, source: payer portal
D0120Exam, periodic
100%, source: payer portal
2 per year, source: payer portal
D0140Exam, limited
100%, source: payer portal
2 per year, source: payer portal
D0150Exam, compre­hensive
100%, source: payer portal
2 per year; 1 every 36 months per provider, source: payer portal
D0210X-ray, FMX
100%, source: payer portal
1 every 60 months, source: payer portal
D0330X-ray, pano
100%, source: payer portal
1 every 60 months, source: payer portal
FMX and pano share a limit
Yes, source: plan document
D0220X-ray, PA first
100%, source: payer portal
No limit, source: payer portal
D0230X-ray, PA each additional
100%, source: payer portal
No limit, source: payer portal
D0240X-ray, occlusal
100%, source: payer portal
2 per year, source: payer portal
D0274X-ray, BWX
100%, source: payer portal
1 per year, source: payer portal
D0364–D0367CBCT
100%, source: payer portal
Not stated
D0431Oral cancer screening
NC, source: plan document
D1000–D1999Preventive
100%, source: payer portal
D1110Prophy, adult
100%, source: payer portal
2 per year, source: payer portal
D1120Prophy, child
100%, source: payer portal
2 per year, source: payer portal
D1206Fluoride varnish
100%, source: payer portal
≤18, source: plan document
D1208Fluoride, topical
100%, source: payer portal
≤18, source: plan document
D1351Sealant
100%, source: payer portal
≤15, source: plan document
D2000–D2999Restorative
50%–80%, source: payer portal
D2140–D2394Fillings
80%, source: payer portal
1 every 24 months, source: plan document
Posterior composites downgrade to amalgam
Yes, source: plan document
D2740Crown
50%, source: payer portal
1 every 60 months, source: plan document
Crowns downgraded on molars
Yes, source: plan document
D2950Buildup
50%, source: payer portal
1 every 60 months, source: plan document
D2991Hydroxy­apatite regenerationNot statedNot stated
D3000–D3999Endodontics
80%, source: payer portal
D3310Root canal, anterior
80%, source: payer portal
1 per lifetime, source: plan document
D3330Root canal, molar
80%, source: payer portal
1 per lifetime, source: plan document
D3410–D3499Surgical endodontics
80%, source: payer portal
1 per lifetime, source: plan document
D4000–D4999Periodontics
80%, source: payer portal
D4210–D4299Surgical perio
80%, source: payer portal
1 every 36 months, source: plan document
D4263Bone graft, perio
80%, source: payer portal
1 every 36 months, source: plan document
D4266Membrane
80%, source: payer portal
1 every 36 months, source: plan document
D4341SRP, 4+ teeth
80%, source: payer portal
1 every 24 months, source: payer portal
D4342SRP, 1-3 teeth
80%, source: payer portal
1 every 24 months, source: payer portal
Quads per day
4, source: plan document
D4346Scaling, generalized
100%, source: payer portal
2 per year, source: payer portal
Scaling, generalized applies to the deductible
No, source: plan document
D4355Full mouth debridement
80%, source: payer portal
1 per lifetime, source: plan document
D4381Arestin
80%, source: payer portal
1 every 24 months, source: plan document
D4910Perio maintenance
80%, source: payer portal
4 per year, source: payer portal
Perio maintenance applies to the deductible
Yes, source: plan document
Perio maintenance shares the cleaning limit
No, source: plan document
D4921Gingival irrigation
NC, source: plan document
D5995–D5996Perio medicament carrier
NC, source: plan document
D5000–D6999Prostho­dontics / implants
50%, source: payer portal
D5110Complete denture, upper
50%, source: payer portal
1 every 60 months, source: plan document
D5410Adjust denture
50%, source: payer portal
2 per year, source: plan document
D5650Add tooth to partial
50%, source: payer portal
No limit, source: plan document
D5710Rebase denture
50%, source: payer portal
1 every 36 months, source: plan document
D5750Reline denture
50%, source: payer portal
1 every 36 months, source: plan document
D6010Implant body
50%, source: payer portal
1 every 60 months, source: plan document
D6056–D6057Implant abutment
50%, source: payer portal
1 every 60 months, source: plan document
D6058–D6061Implant crown
50%, source: payer portal
1 every 60 months, source: plan document
D6104Bone graft, implant site
NC, source: plan document
D6740Bridge re­tainer crown
50%, source: payer portal
1 every 60 months, source: plan document
D7000–D7999Oral surgery
80%, source: payer portal
D7140Simple extraction
80%, source: payer portal
D7210Surgical extraction
80%, source: payer portal
D7953Bone replace­ment graft
80%, source: payer portal
D8000–D8999Orthodontics
50%, source: payer portal
D8080Ortho, compre­hensive
50%, source: payer portal
1 per lifetime, source: plan document
≤18, source: plan document
D8660Pre-ortho exam
50%, source: payer portal
1 per lifetime, source: plan document
≤18, source: plan document
D9000–D9999Adjunct
50%–80%, source: payer portal
D9110Palliative
80%, source: payer portal
No limit, source: plan document
D9222Deep sedation
50%, source: payer portal
No limit, source: plan document
D9230Nitrous oxide
NC, source: plan document
D9239IV moderate sedation
50%, source: payer portal
No limit, source: plan document
D9310Consultation
80%, source: payer portal
1 per year, source: plan document
D9944–D9945Night guard
50%, source: payer portal
1 every 60 months, source: plan document

Notes

  1. Oral evaluations D0120, D0140, D0150 and D0180 are limited to 2 per calendar year combined., source: payer portal
  2. D4346 counts toward the 2 cleanings per calendar year allowed for D1110., source: payer portal
  3. Fluoride: 2 applications per calendar year through age 18., source: plan document
  4. Sealants: unrestored permanent first and second molars, 1 per tooth per 36 months., source: plan document
  5. Posterior composite fillings are paid at the amalgam allowance, and the patient pays the difference up to the PPO fee., source: plan document
  6. Porcelain and porcelain-fused-to-metal crowns on molars are paid at the full cast metal allowance., source: plan document
  7. Predetermination is recommended for any treatment plan over $300., source: payer portal
  8. Root canal therapy: 1 per tooth per lifetime., source: plan document
  9. Retreatment (D3346-D3348) is covered once per tooth, 24 months or more after the original root canal., source: plan document
  10. Scaling and root planing: 1 per quadrant every 24 months., source: plan document
  11. Periodontal maintenance is covered beginning 90 days after active periodontal therapy., source: plan document
  12. Arestin (D4381) is covered per tooth for pockets of 5 mm or more following scaling and root planing., source: plan document
  13. Implants: 1 per tooth every 60 months., source: plan document
  14. Bone grafts at the implant site (D6104) are not covered., source: plan document
  15. General anesthesia and IV sedation are covered only with covered oral surgery., source: plan document
  16. Night guards (D9944-D9945) are covered for bruxism only., source: plan document
  17. Orthodontics: dependent children through age 18, at 50% up to the $1,500 lifetime maximum., source: plan document
  18. There is no separate orthodontic deductible., source: plan document
  19. Orthodontic benefits are paid monthly over the course of treatment., source: plan document
  20. Teeth whitening and other cosmetic services are not covered., source: plan document
  21. Claims must be filed within 12 months of the date of service., source: plan document
Download the sample breakdown (PDF)

A sample on Mulholland’s own form. The patient, employer, office and plan details are invented.

Insurance verification

Marzy works every shift.

Marzy is live at Horizon Dental Care’s three offices. Every hour it reads their schedules a month ahead and checks anyone new or changed right away.

  • 42

    Payer portals asked in a single day

  • 31

    Days of schedule loaded ahead

  • 26

    Seconds for an on-demand check, median of 213 checks

Pasadena answers whether the patient is covered. Altadena then fills the breakdown, about 290 boxes. Both are in training to take over from the general models and pipeline doing it today.

Read how it works

A blank
beats a guess

One screen for the front desk.

The desk shows one day at a time. Every patient carries a status, and the Issues filter leaves only the ones that need a person.

Check anyone again now, read their notes or download their breakdown. For a walk-in, enter their insurance and Marzy checks it and prints the breakdown. Dock the desk in a narrow window beside your practice system.

A day’s schedule in Marzy on invented patients and payers, each visit marked with its coverage, with the day’s counts and payer filters beside it. View screenshot
Marzy reads the schedule every hour and checks anyone new or changed. The front desk gets the few that need a person.

What it works with.

Your practice system

Read, never written.

Marzy reads your schedule, patients and visits through a certified integration with your practice system. It never writes back. It already runs across offices on different practice systems.

Payer portals

42 asked in a single day.

Delta Dental and 16 of its regional companies, Aetna, Cigna, MetLife, UnitedHealthcare, Humana, United Concordia, Ameritas, GEHA, Principal and more.

Security

SOC 2 and HIPAA compliant.

Mulholland is now SOC 2 and HIPAA compliant. Explore our Trust Center for the details.

Compare your current provider.

Question

A typical verification service

Marzy

When it checks

A few days before the visit.

Around the clock, starting a month ahead.

Is the patient covered?

Problems get flagged back to the office.

Answered first: eligible, expired, not found, self-pay or in-house plan.

The breakdown

A hand-typed form.

About 290 boxes, printed on your own form.

Where each answer comes from

No source per box.

The payer’s own wording, kept on every box.

When the payer says nothing

They call the payer.

The box stays blank. Never a guess.

242

Times the payer’s record backed Marzy

Our breakdowns against one verification service’s hand-filled forms, for 11 patients across 4 payers, about 1,600 boxes both filled. Mulholland ran and judged this comparison.

22

Times it backed the service

Counted only where the two disagreed and the payer’s own record could settle it.

See it on your own schedule.

Start

One office

Tell us about your offices and your practice system. We’ll show you the short list your front desk would start from.

Start your free 3 months See Horizon Dental Care Meet Pasadena and Altadena