Health/Tech Blog | Productive/Edge

AI-Assisted Claims Review: Reducing Manual Effort Without Rewiring the Workflow

Written by Raheel Retiwalla | Jan 28, 2026 3:30:00 PM

Claims payment integrity is still governed by documents.

Provider contracts, benefit rules, and payment policies define what should be paid, what should not, and under what conditions. Yet in most payer organizations, those documents live outside the systems where work actually happens. Reviewers open PDFs, search for clauses, interpret language, and make judgment calls one claim at a time.

This approach doesn’t break because people aren’t capable. It breaks because manual interpretation does not scale.

AI-assisted claims review is not about changing that reality. It’s about making it sustainable.

The real constraint in claims integrity

Many claims teams already use analytics to identify which claims deserve attention. Flags, thresholds, and anomaly detection help narrow the field. But once a claim is selected for review, the process often looks the same as it did years ago.

A reviewer still has to:

  • Find the right contract
  • Identify the relevant service and rate language
  • Confirm filing timelines
  • Interpret policy exceptions
  • Decide whether the payment aligns with the rules

This work is repetitive, cognitively heavy, and inconsistent across individuals. Two reviewers can reach different conclusions on the same claim, simply because interpretation varies.

The bottleneck isn’t detection.
It’s decision-making at scale.

What AI-assisted claims review actually does

AI-assisted claims review focuses on the part of the workflow that creates the most friction: reading and interpreting documents.

Instead of replacing reviewers, AI is used to:

  • Extract relevant contract clauses
  • Identify applicable rates and services
  • Surface filing deadlines and exceptions
  • Present policy criteria alongside the claim

This context is delivered inside the existing workflow. Reviewers don’t need to change systems, queues, or approval processes. They see better information, earlier.

The decision still belongs to the human.
The difference is that the decision is made with less effort and greater consistency.

What stays the same (and why that matters)

One reason many payers are cautious with AI is risk. Claims integrity decisions carry financial, regulatory, and reputational implications. Removing human judgment too early can create more problems than it solves.

AI-assisted review respects that reality.

In this model:

  • Reviewers remain accountable
  • Existing controls stay in place
  • Audit trails are preserved
  • Exceptions are still handled manually

From an operational standpoint, this lowers change management risk significantly. Teams don’t have to relearn how work flows. They simply spend less time searching, reading, and cross-referencing documents.

That balance is intentional.

Why “assist” is a valid operating model

AI assistance is often described as a stepping stone to automation. That framing misses the point.

For many organizations, AI-assisted claims review is a deliberate end state. It delivers:

  • Faster reviews
  • More consistent decisions
  • Better audit defensibility
  • Reduced reviewer burnout

And it does so without forcing structural changes to how claims teams operate.

In regulated environments, that matters. Improving productivity without increasing risk is not a compromise. It’s a responsible choice.

How this work compounds over time

One of the most overlooked benefits of AI-assisted review is reuse.

When decision criteria are extracted once and applied consistently, they don’t disappear after a single use. Over time, organizations build a shared understanding of:

  • How contracts are interpreted
  • Where policies introduce ambiguity
  • Which exceptions occur most often

That foundation supports multiple futures. Some teams will stay in an assist model indefinitely. Others may later choose to coordinate work more aggressively. The key is that nothing needs to be rebuilt.

A practical way forward

AI-assisted claims review doesn’t promise transformation overnight. It promises something more valuable: progress that holds up under real operational pressure.

By focusing on documents, decision criteria, and how humans actually work today, payers can reduce manual effort without destabilizing critical processes.

Sometimes the smartest way to change a workflow is not to change it at all — just to make the decisions inside it easier to get right.

If you want to discuss our approach, let us know.