For dental practices

The insurance money is in your bank. Is it on your ledger?

A tool that matches every insurance deposit to the insurer's payment statement and to what is posted in your practice software. You see only the payments that do not line up, and why.

One-time build · $4,300

55.3%

of dentists named insurance among their top three challenges for 2026, more than any other issue, ahead of staffing.

ADA Health Policy Institute, Q4 2025

Where insurance money slips through

Fees on how you get paid

Some insurers pay by virtual card. On a $1,000 payment that costs about $20.10 in card fees, against about $0.34 by direct deposit. Few offices know what this adds up to over a year.

Trade pressADA News, July 2024

How it works

  1. Bring in the three records

    Your bank statement file, the insurers' electronic payment files, and your posted payments. No bank login is needed; every bank lets you download a statement file.

  2. Everything is matched

    Each deposit is matched to its payment statement, and each claim on that statement to what is posted in your software.

  3. You fix a short list

    You see only what does not match, each with the reason: not posted, posted to the wrong claim, amount differs, or card fee taken.

What you get

  • An unpaid-claims report you can trust, without claims that were already paid
  • Every insurance deposit accounted for at month end
  • What each insurer's way of paying costs you in fees, in dollars
  • A month-end report your bookkeeper can use as it is

A good fit if

  • Your unpaid-claims report is long and nobody fully trusts it
  • One or two people post all insurance payments and month end takes days
  • You use Open Dental, Dentrix or Eaglesoft

Probably not for you if

  • An outside billing service already reconciles your payments every month
  • You receive only a handful of insurance payments a month

Price

$4,300

One time, for the finished tool. About 60–110 hours of work at the same $50 an hour as the cost calculators on this site.

Talk about your practice
  • Set up for your practice software, your bank and your insurers
  • Tested on your last three months of real payments
  • A month-end report in the format your bookkeeper wants
  • Training for the person who posts payments

Questions

How do you reconcile EFT dental insurance payments?

Checking that every insurance payment that reached your bank is posted to the right claims in your practice software, and that the amounts agree. Most offices do it by hand at month end, if at all.

Does it change anything in my practice software?

No. It only reads. Posting payments stays with your team, now with a clear list of what to post.

Do you need access to my bank account?

No. You download a statement file from your bank, the same file your bookkeeper uses, and upload it.

Which practice software does it work with?

With Open Dental it connects directly, using the free read-only access Open Dental offers. With Dentrix and Eaglesoft it works from their standard report exports.

How long does it take to build?

Usually three to five weeks. Most of that time is testing it on your own payments until the numbers agree with your books.

Is patient information safe?

The tool only needs payment details, not clinical records. I agree how information is handled with every company involved before building.

More for dental practices: Claim pre-check, Unpaid claims follow-up, Insurance plan decision, Coverage check sheet. Everything for dental practices

Updated Sep 28, 2026

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