How Claim Credits Work in XactaClaim
A clear explanation of XactaClaim claim credits: one credit opens one new claim file, how Solo Trial differs from Pro and Pro+, and how booster packs and extra seats relate to billing.
The simple rule: one credit, one new claim file
In XactaClaim, one claim credit creates one new claim file. Credits control how many new files you can open — not how many documents you attach, how many tasks you create, or how many AI-assisted review sessions you run on existing claims. That separation matters when you are comparing plans or deciding whether to buy a booster pack.
What claim credits do not control
Credits are about claim-file capacity. They do not unlock Pro+-only features on a lower tier, replace a Pro or Pro+ subscription, or increase fair-use allowances for AI, messaging, uploads, or automation. Booster packs add claim credits only. Extra seats add workspace user capacity only — they do not add claim credits. If you need estimate comparison, demand drafting, or other Pro+ workflows, that comes from your plan tier, not from buying more credits alone.
Solo Trial: start with one claim file
Solo Trial includes one claim credit — enough to open one new claim file and explore the core workspace. Existing claims stay accessible after cancellation, but Solo Trial is limited to one claim file total. Solo is a practical way to test intake, document organization, internal notes, and basic workflow before you commit to a paid plan. See current plan details on Pricing.
Pro and Pro+: credits each billing cycle
Active Pro and Pro+ subscriptions add claim credits each billing cycle while billing remains active. Under the current public offer, Pro includes 5 claim credits per billing cycle and Pro+ includes 7. Those credits accumulate for opening new files — they are not consumed when you run Policy Review, Claim Copilot, Morning Brief, or other assistive tools on claims you already opened. Confirm live amounts on Pricing.
Choosing Pro vs Pro+ beyond credits
Credit volume is only part of the decision. Pro fits teams that need AI-assisted policy and photo review, Claim Copilot, Morning Brief, communications when configured, and the mobile companion. Pro+ adds estimate comparison, demand support, export workflows, Pro+ portal brand color, and more seats — workflows that matter when scope reconciliation and team scale are daily work. If estimate comparison is central to your practice, read Estimate Comparison: Scope Gaps before you choose.
Claim credit packs: extra credits without changing tier
Claim credit packs (also called booster packs) are one-time purchases for active Pro and Pro+ workspaces only — not Solo Trial. Current public offer packs: 1 for $5.99, 5 for $24.99, 10 for $44.99. They add claim credits only; they do not unlock plan features or raise fair-use limits (included monthly AI or messaging allowances). They are useful when you have a busy month of new intakes but do not need to change your subscription tier.
Extra seats: team capacity, not credits
Extra seats let more staff users access the workspace on Pro or Pro+. Seats are about who can log in and collaborate — they do not add claim credits and do not increase AI or SMS/email allowances. If your bottleneck is people rather than new file volume, extra seats solve a different problem than claim credit packs.
Three separate systems: claim credits, monthly AI, purchased AI
Claim credits open new claim files. Included monthly AI usage (fair-use limits) refreshes each UTC calendar month and does not roll over. Optional purchased Advanced AI Credits extend eligible heavy AI after included usage runs out — when that purchase path is enabled. Buying claim credit packs or adding seats does not increase AI or messaging allowances. Monitor usage in Billing and review notes on Pricing and in Terms.
Practical budgeting checklist
- Count how many new claim files you open per month — not how many are active.
- Note seasonal spikes; claim credit packs can cover a surge without upgrading tier.
- Match plan tier to workflow depth (estimate comparison, export, team seats).
- Keep fair-use in mind for AI and messaging — claim credits do not replace those limits.
- Confirm current allowances on Pricing before you commit; public offers can change by version.
This article explains general product and billing concepts. It is not legal, accounting, or insurance advice. Plan features, credit amounts, and fair-use policies may change; confirm current details on Pricing, Billing, and Terms.
Compare plans and credit allowances
Review Solo, Pro, and Pro+ on Pricing, then open a claim file to see how credits and workspace features work together.
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