PROFILE | June 2026
Elloit Dear, J.D. — Attorney-Signed IDR, Not a Billing Service
By Elloit Dear, J.D.
Start with one claim. Elloit Dear asks a physician for a single out-of-network claim and the EOB that came back on it, and in return gives a straight answer: whether that claim belongs in New York State IDR and, if it does, what the submission would contain. The review is free, and it does not commit the practice to send a second claim.
What to Send
The claim and its EOB are enough to begin. The claim carries what the physician billed, and the EOB carries what the plan did with that charge. Elloit Dear does not need a data export, a system login or a stack of other files to give a first answer. If the claim moves forward, the operative note is the next document he asks for.
The First Question: Which Plan
Before anything else, the plan gets sorted. A fully insured New York plan belongs in New York State IDR, which the Department of Financial Services administers. A self-funded plan sits outside the state process, and when the claim turns out to be one of those, Elloit Dear says so up front instead of building a submission for a forum the claim does not belong in.
What the Submission Would Contain
When the claim fits, the answer includes the shape of the filing. A Claims Assassins submission is built from three things the practice already has: the EOB, the operative note and the billed charges. The benchmark New York law names for these disputes is the FAIR Health 80th percentile, and the submission is assembled with it in view. Elloit Dear reviews the submission and signs it under his bar number.
After the Answer
If the physician wants to go ahead, the claim is filed and its deadlines are tracked from that day. After a determination, Elloit Dear sends the payment demand, and the determination carries a 30-day payment deadline. The cost is a 10% contingency on the improvement with no upfront fee. There are no contracts and no onboarding, and the office’s billing stays with the office.
Who Sends Claims This Way
The practice is built for out-of-network plastic and reconstructive surgeons, emergency physicians and oral and maxillofacial surgeons. Elloit Dear reads each first claim the same way, whatever the specialty: the plan, the EOB, the charge. The first step is one claim and its EOB, emailed to edear@edrtb.com, or a call to 646-387-9133 before sending anything.