✦  Insurance AI

Check coverage before patients arrive

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Happens automatically
1Patient texts the card
Riverbend Family CareText message
Hi Dana, please text us a photo of your insurance card before Thursday’s visit.
Sure, here it is!
MERIDIAN HEALTHPPO · Choice Plus
MemberDANA R LOPEZ
Member IDMHX482019357
Group0864512
RxBIN610014
Delivered
2AI reads it and asks the insurer
MERIDIAN HEALTHPPO · Choice Plus
MemberDANA R LOPEZ
Member IDMHX482019357
Group0864512
RxBIN610014
InsurerMeridian Health PPO
Member IDMHX482019357
Date of birthFrom patient record
  Checking with the insurer, live…
3Your team sees the answer
Eligibility✓ Active
Meridian Health PPO · Choice Plus · in network
Copay$30
Coinsurance20%
Deductible left$350
Out-of-pocket left$2,180
Plan start01/01/2026
Staff time0 min
🔒 On the message in your inbox. Visible to staff only.
0 staff clicksCard to verified coverage in secondsNo portal. No phone call. No retyping.

Example data. Benefits shown are what the insurer returns for the patient’s plan.

✦  Supported payers

Works with 1,200+ insurance payers

Eligibility checks run live against 1,268 payers across all 50 states: national commercial plans, Blue Cross Blue Shield plans, Medicare and Medicare Advantage, Medicaid managed care, Tricare, and dental and vision carriers.

1,268payers connected
1,143medical payers
853dental payers
465vision payers
AetnaCignaUnitedHealthcareHumanaMedicareMedicaidAnthemBlue Cross Blue ShieldKaiser PermanenteTricareMolinaOscarHighmarkFlorida BlueHorizon BCBSCareFirstWellCareHealth NetUMRGEHAOxfordCareSourceDelta DentalMetLifeGuardianAmeritas+ 1,242 more

Send a photo, get the benefits

When a card arrives by text or email, the AI reads the insurer, member ID and group number and runs the check on its own. Nobody retypes a thing or logs into a portal.

The insurer's answer, live

Every check is a real-time eligibility request to the payer, so you know whether the plan is active today, not just what the card says.

The numbers your team asks for

Copay, coinsurance, deductible left and out-of-pocket left, plus the plan name and when coverage started.

How it works

1

The card or member ID comes in

A patient texts or emails a photo of the front or back of their card, or types their member ID on your online booking page.

2

The AI checks with the insurer

It matches the carrier to the right payer, adds the patient's date of birth and your NPI, and sends the eligibility request. A card sent twice is only checked once.

3

Your team sees the result

Active or inactive, with copay, deductible and out-of-pocket, right on the message in your inbox or as a note on the patient's record.

KloudMD inbox where patient texts and insurance cards arrive

What you get

  • Real-time eligibility checks with the patient's insurer
  • Copay, coinsurance, deductible and out-of-pocket remaining
  • Insurance card photos read automatically
  • Checks that run on their own when a card or member ID arrives
  • Benefits checked for your specialty, like dental, mental health or chiropractic
  • A warning when another company manages a plan's mental health benefits
  • Billing under the practice NPI or each provider's own
  • An AI front desk that tells callers which carriers you accept
KloudMD AI front desk handling a patient conversation

Common questions

Does this check eligibility with the payer?

Yes. Each check is a real-time electronic eligibility request (the standard 270/271 inquiry) sent to the patient's insurer through our clearinghouse connection. What you see is the insurer's own answer, not a guess from the card.

What comes back from a check?

Whether the plan is active, the plan name and start date, member ID and group, plus the copay, coinsurance, deductible left and out-of-pocket left for the patient's in-network benefits, when the insurer reports them.

What happens when a card is hard to read?

Nothing is guessed. If the AI can't match the carrier to an insurer with confidence, or the date of birth is missing, the check waits and your team gets a short form to confirm the insurer, member ID or birth date and run it again.

Does the patient see the result?

No. Results are for your team. They show on the message in your inbox, or as a note on the patient's record when the member ID came from your booking page.

Does the voice AI check benefits during a call?

Not during the call. On the phone, your AI front desk tells callers which carriers you accept and which services are usually self-pay. The benefits check runs when the card photo or member ID comes in.

What do we need to turn it on?

Your practice NPI, or an NPI on each provider's profile if you bill under individual providers. A few insurers ask for a one-time enrollment before they answer eligibility requests, and you can send that request from the dashboard.

Stop calling insurers to check coverage

15 minutes, your real payers, no pressure.

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