When attempting health insurance card capture, a lot of issues can occur. Many of these have to do with the validity or coverage of the insurance being filed with. Although a significant portion, nearly 30% of denied claims, come from registration errors. There are countless things that can and do go wrong in insurance card capture.
Many of these have to do with human error and lack of knowledge. While simple mistakenly entered information makes up only 20% of these errors, this is just one of four causes. The number one barrier causing human error is expertise. Insurance is complex with a lot of information which is needed often not being included on one’s insurance card. This means that to make a claim one has to go out of their way to find information.
Even if one has all the information, the next barrier is submitting the claim to the right locality. Large insurance companies will have many state or even local localities to submit to, and it’s easy to make an error. Finally even if one opts to use a card reader, a popular alternative to manual input, these are imperfect.
The most modern innovation to get around these issues is AI-powered card readers. These have the unique ability of being trained on insurance payers and plans. What this means is that these card readers can recognize specific plans and companies and will actively process that. This moves the onus of expertise off the consumer and onto the technology, it also reduces human error.
Of course this is just one of many solutions, but the issues remain the same. Registration and claim errors benefit no one. They cost consumers money and payers time and resources. Working to reduce these causes is essential to making sure that insurance is working as intended in the U.S.
