Calibrated was started out of necessity for an MSO, (Management Service Organization) to comply with the claims processing timeliness and accuracy requirements as required by the State of California and CMS, (Center for Medicare and Medicaid Services). Staffing a Claims Department was challenging to attract experienced staff while staying within budget.

The MSO was contacted by Madhu Vijayan to consider outsourcing the work to a new BPO (Business Processing Outsourcing) company. As the COO of the MSO, Jovita Montes De Oca flew to India to build a staff that would adjudicate claims in India while accessing the management system in the United States. Jovita instituted safeguards to assure that privacy and security of the data would be maintained. By establishing the claims adjudication in India, accuracy and timeliness was substantially improved and the challenge of meeting the State and CMS requirements were easily achieved.