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A Healthcare Provider × Pisteyo
Claims Auto-Adjudication

Claims, adjudicated at machine speed

An AI engine that clears routine claims automatically and routes only the complex ones to people — speed and scale, with compliance built in.

In delivery

Automatic Routine claims cleared, no manual touch
Faster Shorter turnaround on routine claims
In control Human review on every low-confidence case
Compliant Full audit trail on every decision
Executive Summary

Adjudicators reviewed claims by hand — including the high volume of routine, rules-based claims that don't need human judgment. Pisteyo designed a tiered AI engine: routine claims clear automatically while complex cases escalate, and any low-confidence decision routes to a human reviewer. Routine claims clear at machine speed, adjudicators focus on the complex and the exceptional, and every decision stays compliant and auditable.

Adjudication capacity returned Routine, rules-based claims cleared automatically so adjudicators focus on the complex and the exceptional.
The Company

About A Healthcare Provider

The organization is a healthcare provider whose claims operations sit at the center of its work: every claim must be adjudicated accurately, paid correctly, and documented for compliance. Day to day, adjudicators work through a large, steady inflow of claims — most routine and rules-based, a smaller share genuinely complex — where the standard for accuracy is absolute.

The Challenge

What stood in the way

Adjudicators worked two problems at once. Most appeals arrived through a shared inbox that was hard to de-conflict when several people worked one case; Pisteyo first automated intake so every case is captured and created from its source document. Then automation took over the routine, rules-based claims that once tied skilled people up on repetitive checks — all while accuracy and compliance could never slip.

ChallengeSkilled adjudicators spend time on routine, rules-based claims
PisteyoAI auto-adjudicates the routine claims; people focus on complex and exception cases
ChallengeA shared inbox was hard to manage and de-conflict
PisteyoAppeals are captured and created automatically from their source documents
ChallengeManual review slows turnaround and limits scale
PisteyoAutomated adjudication clears routine volume fast
ChallengeAccuracy and compliance can never slip
PisteyoHuman review on low-confidence decisions; a full audit trail on every case
The Solution

How Pisteyo built it

A staged delivery designed for quality, compliance, and trust — moving from scope to a production-ready capability without disrupting the business.

  1. Mapped the claims lifecycle with the organization's claims and operations leaders, distinguishing routine, rules-based claims from genuinely complex cases (including prior authorization).

  2. Chose a scalable, compliant data foundation, refreshed on a regular cycle.

  3. Designed a tiered AI approach — fast handling for simple adjudications, more sophisticated handling for complex ones — to balance accuracy against cost.

  4. Built in human oversight: any adjudication the AI isn't confident about routes to a secondary human review before it stands.

  5. Standardized the rules and terminology so edge cases are handled consistently.

  6. Validated the architecture with the team, then delivered the foundation first, followed by iterative rollout.

The workflow, end to end

  • 1Claim received and captured automatically
  • 2Routine data refreshed on a regular cycle
  • 3AI triage: routine vs. complex
  • 4Auto-adjudicate routine / route complex to people
  • 5Low-confidence cases go to human review, then post
Project Timeline

From kickoff to go-live

Kickoff
Architecture, data flow, and tiered approach agreed
Foundation
Data platform and claims changes for AI adjudication
Iterative rollout
Routine-claim automation first, then complex-case logic and prior authorization
Validation
Human-in-the-loop review and verification of AI outputs
Scale-up
Expand auto-adjudication coverage as confidence and accuracy are proven
Delivery & Risk

Friction points & how we handled them

The honest view: every deployment meets real-world constraints. Here is what was hard, and the deliberate choices that kept quality high and risk low.

Compliance can't be an afterthought

Every automated decision had to be defensible. Pisteyo built a secondary human-review layer for low-confidence adjudications and a full audit trail from day one.

Complex cases resist simple rules

Prior authorization and supporting-document logic required dedicated working sessions with the organization's subject-matter experts to capture the conditions correctly.

Cost vs. sophistication

Running every claim through the most powerful handling would be expensive. A tiered design keeps simple claims cheap and reserves sophisticated handling for cases that need it.

Clean data and terminology

Edge cases like duplicate claims needed consistent handling — standardized with updated documentation.

The Results

What changed

Pisteyo built an auto-adjudication engine that clears routine claims at machine speed while keeping people in control of everything that needs judgment. Routine, rules-based claims that once consumed adjudicator time now clear automatically, returning capacity to the claims team and shortening turnaround for members and providers.

  • Capacity freed: adjudicators move from repetitive routine checks to the complex and exception cases that genuinely need them.
  • Faster turnaround: routine claims adjudicate in a fraction of the time.
  • Control and compliance: low-confidence decisions route to human review, and every decision is logged for audit.
  • Built to scale: routine volume is absorbed without proportional headcount.

Before & after

Routine claims
BeforeReviewed manually by adjudicators
With PisteyoAuto-adjudicated by AI
Adjudicator focus
BeforeSplit across routine and complex
With PisteyoConcentrated on complex and exceptions
Turnaround
BeforeLimited by manual throughput
With PisteyoRoutine claims cleared near-instantly
Oversight
BeforeManual end-to-end
With PisteyoHuman review targeted at low-confidence cases
“The biggest benefit for our team was eliminating the manual work of reviewing appeals and creating the cases — the automation handles that for us, plus the routine appeals, and it's working well.”
Claims Integrity Manager
Security & Compliance

Built for PHI from the first prompt

  • Data stays governed. Claims are processed within the organization's established access controls; the data flow is documented end to end.
  • Human-in-the-loop by design. Any low-confidence adjudication is routed to a secondary human review before it stands.
  • Auditability. Every decision — automated or human — is logged and traceable for compliance and payment-integrity review.
  • HIPAA-aligned handling. Access, transmission, and retention of PHI follow HIPAA principles and the organization's policies.
  • Least-privilege access. The engine operates within existing claims-system permissions; no new broad access is introduced.
The Next Horizon

As confidence grows, the share of claims handled automatically can expand, and the same pattern can extend to adjacent work — prior-authorization triage, payment integrity, and duplicate detection. With clean, structured decisions captured on every claim, the organization gains a foundation for analytics, error detection, and continuous improvement.

FAQ

Claims Auto-Adjudication: common questions

Which claims does the AI adjudicate automatically?

The routine, rules-based claims that don't need human judgment. Complex and exception cases go to people.

How does it keep complex claims accurate?

A tiered approach handles simple claims quickly and escalates complex adjudications for more sophisticated handling, with prior-authorization logic where needed.

What happens when the AI isn't confident?

Any low-confidence decision routes to a secondary human review before it stands, and every decision — automated or human — is logged for audit.

How do appeals get into the system?

Intake is automated: appeals are captured and their cases created directly from the source documents, replacing a hard-to-manage shared inbox.

What outcome did it deliver?

Routine claims clear at machine speed with shorter turnaround, adjudicators focus on complex work, and every decision stays compliant and auditable.

Go Deeper

How Pisteyo could do this for you

The same operator-led approach — strategy, build, and measured adoption — applied to your workflows.