Atlas is the agency hub. Carrier-invoice reconciliation is its own SaaS — velora-billing — sold standalone to employers, brokers, PEOs, and TPAs. Atlas surfaces recon counts on the account record (when both products are wired together), but the ingestion engine, EDI 820 parser, auto-recon loop, and immutable ledger all live in velora-billing. This page exists to point you there honestly instead of duplicating the capability inside Atlas.
velora-billing is sold independently — buyers may have ZERO other Velora products. It runs on its own deploy, its own database tables, its own auth. Atlas can read recon summaries via HTTPS for tenants who own both products; otherwise the page below is purely informational.
Carrier sends a monthly premium invoice as PDF, CSV, or EDI 820. velora-billing extracts every line — member, ID, tier, coverage period, premium — into a structured ledger. Our AI engine reads new carrier formats with no engineering setup; the EDI 820 native parser handles X12 inbound (BPR / ENT / NM1 / RMR / ADX) at the transaction-set level.
An enrollment snapshot (CSV today; EDI 834 round-trip when paired with velora-edi) is the source of truth. Each invoice line is matched member-by-LoC and date-verified. Mismatches are categorized: ghost dependent, retro term, plan-code drift, amount delta. Every match decision is recorded on a chain-hashed audit ledger.
An auto-recon loop with typed gates classifies each delta and either drafts a carrier dispute (with a 2-minute undo window before send) or queues it for a human. ERISA Schedule H supplement export comes for free out of the same data.
Our AI engine profiles every new carrier format on first invoice. Carrier signatures persist so the next month's run is fast. No 2–4 week onboarding sprint per new carrier — competitors require that; velora-billing doesn't.
Same member, multiple lines of coverage (medical + dental + vision) = multiple matched rows. Each line carries its own coverage period and tier. Multi-LoC is first-class, not approximated by aggregating to a person.
A dependent who aged off but is still on the bill. A spouse termed in a divorce QLE who never fell off. A retro term where the carrier owes a credit but the credit-memo never landed. The match engine flags each with the date evidence behind it.
Every delta runs through a state machine of typed gate codes (carrier-match, format-drift, dispute-allowed, undo-window). Decisions are recorded on the AutoActionLog. Send queue holds drafted disputes for a 2-minute undo window before transmission.
Every mutation in the recon flow writes a SHA-256-chained AuditEvent. Tamper-evident by construction; pairs cleanly with HITRUST and ERISA fiduciary narratives. Most competitors have an audit table; few have chained audit.
433 LOC of X12 in the inbound path: BPR header, ENT loops with multiple LoCs per member, NM1 / REF / DTM / ADX / RMR / IT1 segments. Most cloud competitors punt EDI to a paid third-party vendor; velora-billing parses it directly today (and Track B will move parsing into velora-edi for cross-product reuse).
Brokerage tenants get per-tenant branding on every report and email out of the box. BROKER_ADMIN role + per-broker rollup view. Useful for agencies running recon as a service across their book.
Pulls auditor-ready CSV with plan-asset custody compliance flagged. Pairs with the fiduciary-litigation tailwind brokers are seeing in 2026; useful as a sales asset, not just a compliance checkbox.
Effective-dated rate cards (no RateCard / BenefitPlan model yet — expectedAmount is per-row today). Tier-drift detection requires that rate model, so it's roadmap, not claim. Self-funded / stop-loss billing is not started. GL connectors (QBO / NetSuite / Sage) are not built. MFA / SSO are not yet implemented (magic-link auth only). Allocation / cost-center splits are not modeled. Read BILLING_GAP_ANALYSIS.md in velora-billing for the full 210-question scorecard.
203 passing tests across 20 test files in velora-billing as of 2026-04-27. The recon engine itself is 1,543 LOC across 7 modules; the EDI 820 parser is 438 LOC with 20 dedicated tests. This is what Atlas used to ship a stub of — that scaffold is now retired in favor of pointing buyers at the real product.
Sign up at velora-billing directly. Drop in a carrier PDF or 820, populate an enrollment snapshot CSV, and watch the recon engine run. If you’re also an Atlas customer, ask the team to wire the cross-product summary tile so you see the recon count on the account record.