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zero pay

zero_pay_ind
finance·Updated Jun 23, 2026

Definition

ISO-11179 Definition

A boolean indicator identifying a healthcare claim that was adjudicated and processed by a payer but resulted in zero payment due to full member cost-sharing responsibility, coordination of benefits where another payer is primary, or contractual terms that result in no plan payment for the billed service. Zero pay claims require careful handling in the revenue cycle — they must be distinguished from denials and processed correctly to generate patient statements for applicable cost-sharing amounts or to bill the secondary payer when COB applies. Incorrect processing of zero pay claims results in missed patient billing opportunities and failure to pursue secondary payer reimbursement.

Healthcare data teams use zero_pay_ind in claims analytics to categorize zero payment outcomes by reason, identify zero pays requiring patient billing versus secondary payer submission, track zero pay rates by payer and service type, and ensure zero pay accounts flow correctly through billing workflows without being incorrectly written off.

Standard Abbreviation

zero_pay_ind

Category

finance

Production DDL — FACT_CLAIM_TRANSACTION

FACT_CLAIM_TRANSACTION.sql
CREATE OR REPLACE TABLE FACT_CLAIM_TRANSACTION (
    clm_txn_key     INTEGER        NOT NULL  -- surrogate key,
    clm_id          VARCHAR(50)    NOT NULL  -- claim identifier,
    mbr_key         INTEGER        NOT NULL  -- FK to DIM_MEMBER,
    prvdr_key       INTEGER        NOT NULL  -- FK to DIM_PROVIDER,
    clm_typ_cd      VARCHAR(10)              -- claim type code,
    tot_chrg_amt    DECIMAL(18,2)            -- total charged amount,
    tot_alwd_amt    DECIMAL(18,2)            -- total allowed amount,
    tot_pd_amt      DECIMAL(18,2)            -- total paid amount,
    cntrct_adj_amt  DECIMAL(18,2)            -- contractual adjustment,
    denial_ind      CHAR(1)                  -- denial indicator,
    denial_rsn_cd   VARCHAR(10)              -- denial reason code,
    prior_auth_nbr  VARCHAR(30)              -- authorization number,
    clm_lag_days    SMALLINT                 -- claim lag days,
    days_ar         SMALLINT                 -- days in AR,
    load_dt         TIMESTAMP_NTZ  NOT NULL  -- load timestamp
);

Standard Snowflake DDL for the canonical finance table. Convert to BigQuery or Databricks →

Why This Term Matters

Healthcare data terminology is foundational for any data engineer working in this industry. Precise understanding of standard terms enables accurate schema design, reduces downstream data quality issues, and ensures pipelines meet the regulatory and interoperability requirements imposed by HIPAA, HL7 FHIR, and CMS reporting frameworks. Without this foundation, even technically well-built pipelines produce data that fails validation when it reaches payers or regulators.

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