Health Insurance · Payer Intelligence

Zero-Touch Claims.
Sovereign HIPAA Security.

Eliminate the “stare and compare” bottleneck across prior authorization, adjudication, and appeals. Intics processes 12,000+ clinical documents daily at 95% accuracy — entirely within your private cloud, with a complete audit trail for every decision.

For medical directors, claims operations leaders, and chief compliance officers who need to reduce costs without increasing risk.

12,000+
Clinical documents processed daily in production payer environments
95%
Field-level extraction accuracy across clinical charts, UB-04s, and EOBs
85%
Standard prior auth requests automated — 10–14 day cycle eliminated
30%
Reduction in claims overpayment leakage via intelligent cross-referencing
The Problem

Payers are drowning in
clinical “Dark Matter”

Medical charts, UB-04 forms, prior auth packets, member grievances, and provider credentialing files — payers process millions of documents annually, almost entirely through manual review. The bottleneck isn’t staff capacity. It’s the inability to turn unstructured documents into structured decisions at scale.

01 / The Adjudication Bottleneck

Complex claims require reviewers to manually cross-reference CPT/ICD codes, benefit schedules, and member plans. As claims volume grows, so does the headcount requirement — and the error rate. Overpayment leakage from upcoding and duplicate claims averages 2–4% of total claims spend.

02 / The Prior Auth Crisis

Prior authorization requires matching clinical documentation against medical policy — a task performed by clinicians manually reviewing unstructured physician notes. The delay harms member experience, increases appeal rates, and creates regulatory scrutiny around denial patterns.

03 / The Data Sovereignty Gap

Public AI platforms require member health data to leave your perimeter. Beyond the HIPAA exposure, you lose control over how that data is used to train future models. Intics runs entirely within your VPC or on-premise — your data never moves.

04 / The SaaS Cost Trap

Every additional member, every additional claim, every additional prior auth request generates another per-page fee to your document AI vendor. You’re building their revenue while solving your own operational problem. An owned infrastructure turns this expense into a depreciating asset.

How It Works

From clinical document to structured decision

Intics operates as an intelligence layer between your document intake and your core claims system. Every decision is logged, every extraction linked to source evidence, and every exception routed to the right human reviewer.

01
Ingest any clinical document

Faxed charts, mobile ID uploads, UB-04 forms, EOBs, prior auth packets — any format, any quality.

02
Clinical NLP extraction

Xenon model extracts diagnoses, procedures, medications, CPT/ICD codes, and clinical intent from unstructured text.

03
Policy matching agents

Agents compare extracted clinical data against your medical policy library and benefit schedules — automatically.

04
Decision & routing

85% of standard auths proceed or flag automatically. Complex cases route to the right clinical or legal reviewer.

05
System update & audit log

Validated data feeds directly into your core claims system. Every decision logged for HIPAA audit readiness.

→ Full audit trail. Zero PHI exposure.
Purpose-Built Models

AI trained on clinical reality, not generic text

General-purpose language models weren’t trained on faxed medical charts, handwritten physician notes, or mobile uploads of Medicare cards. Intics deploys vision-first models built for the documents payers actually receive.

Radon · Vision-First
Low-quality scan & mobile upload specialist

Handles skewed mobile uploads of member IDs and Medicare cards — the real-world quality of documents members actually submit. Zero-touch enrolment for 90% of new members regardless of capture quality.

Member ID cardsMedicare cardsFaxed records
Xenon · Clinical NLP
Clinical narrative & coding specialist

Extracts diagnoses, procedures, medications, and clinical intent from physician notes and discharge summaries. Maps to CPT/ICD codes automatically. The engine behind prior auth automation and HCC coding accuracy.

Physician notesDischarge summariesHEDIS charts
Krypton · Structured Data
Claims form & EOB specialist

Identifies spatial structure in UB-04s, CMS-1500 forms, and EOBs. Cross-references billing codes against benefit schedules to flag upcoding and duplicate claims before payment — not after.

UB-04 formsEOBsBenefit schedules
Strategic Use Cases

Multiple workflows. Measurable outcomes across all of them.

Start with the workflow that has the most immediate financial or operational impact. Each use case is deployable independently and integrates with your existing claims platform.

Claims Operations
Complex Claims Adjudication

Agents create a Document Twin of the clinical record, extract and cross-reference billing codes against benefit schedules, and flag overbilling, upcoding, and duplicate claims before payment.

↓ 30% reduction in overpayment leakage
Prior Authorization
Clinical PA Autopilot

Agents compare clinical notes to your payer medical policies and draft proceed/reject recommendations with supporting evidence — eliminating the 10–14 day manual review cycle for standard cases.

↑ 85% of standard auths automated
Member Experience
Appeals & Grievance Resolution

Agents analyse appeal sentiment, categorise root cause (clinical, administrative, or contractual), and route to the correct clinical or legal desk — with a complete case summary pre-populated.

↓ 50% faster turnaround time
Member Enrollment
Zero-Touch Member Onboarding

Radon-powered vision models handle skewed and low-light mobile uploads of member IDs and Medicare cards. Validates identity fields and processes HIPAA authorisations automatically.

↑ 90% zero-touch enrollment
Network Management
Provider Credentialing Automation

Extracts from medical degrees, board certifications, malpractice histories, and DEA licenses. Cross-references against NPI databases and flags discrepancies before credentialing approval.

↓ 70% faster provider onboarding
Fraud Detection
FWA Semantic Detection

Agents perform semantic cross-checks between claim codes and clinical narratives — catching phantom billing, unbundling, and upcoding patterns that elude rule-based detection systems.

✓ Flags before payment, not after
Quality & STAR Ratings
HEDIS Quality Gap Analysis

Agents scan thousands of member charts to find evidence of care and populate quality measures — surfacing documentation gaps that affect your HEDIS scores and Medicare Advantage STAR ratings.

✓ Higher STAR ratings. Better reimbursement.
Risk Adjustment
HCC Coding Accuracy

Agents identify unreported chronic conditions in physician notes and discharge summaries — ensuring accurate risk-adjusted payments and reducing CMS audit exposure for undocumented HCCs.

✓ Accurate RAF scores. CMS audit-ready.
Custom configuration
Built for your plan architecture

Intics is configured to your specific medical policies, benefit schedule taxonomy, and core claims system. Commercial, Medicare Advantage, Medicaid, and self-funded plans all supported.

Platform Demo

See a prior auth request resolved in 90 seconds

Watch Intics ingest a prior auth packet — physician notes, clinical history, and supporting records — match it against your medical policy library, and generate a proceed/reject recommendation with supporting evidence.

Prior auth autopilotClaims adjudicationHCC coding

Interactive product demo available — contact your Intics representative

Payer ADI Platform Walkthrough 8 minutes · Claims & prior auth intelligence
Industry Proof Points

Outcomes from production payer deployments

30%
Reduction in claims overpayment leakage at a regional Blue Cross plan — identified through semantic cross-referencing of billing codes against clinical records.
85%
Of standard prior authorization requests automated at a national Medicare Advantage plan — with the 10–14 day review cycle reduced to under 4 hours for the remaining complex cases.
50%
Faster appeals resolution turnaround at a large self-funded employer plan — via automated sentiment analysis, root-cause categorisation, and intelligent reviewer routing.
The Economics

From a per-claim tax to an owned infrastructure asset

Every additional member, claim, and prior auth generates another per-page fee to your current AI vendor. Intics converts this recurring operational cost into a fixed infrastructure investment that gets cheaper per document as your volume grows.

Current model (SaaS)

PHI leaves your environment on every API call

Costs scale linearly with member and claims growth

No institutional learning — model improves for vendor, not for you

Vendor dependency for a mission-critical workflow

Intics model (Owned)

Fully sovereign — PHI never leaves your VPC

Fixed infrastructure — near-zero marginal cost per additional claim

Continuous learning on your specific plans and policies

CapEx ownership — capitalise as infrastructure, not OpEx

<11mo
Typical break-even, replacing manual review labour and per-page SaaS fees
40-50B
Tokens processable daily at Fortune 25 scale — proven payer infrastructure
90-day
Proof-of-value pilot with measurable outcome reporting at 30, 60, and 90 days
Compliance & Governance

Built for the regulatory reality of payers

HIPAA compliance isn’t a checkbox — it’s the architecture. Every Intics deployment for health insurance is designed so your compliance team, your legal team, and your CMS auditors can all see exactly what happened and why.

HIPAA & SOC2
Native Compliance by Architecture

PHI is processed entirely within your designated perimeter — VPC or on-premise. Field-level data protection masks sensitive member data at ingestion. A Business Associate Agreement is in place before any data processing begins. SOC2 Type II audit trail available for your compliance team.

Always Audit-Ready
Every Decision is Explainable

Every agentic decision — every prior auth recommendation, every claim flag, every denial — is logged with the full chain of reasoning and linked to the source clinical evidence. When a regulator or member challenges a decision, you have the complete documented rationale immediately available.

CMS Compliance
Medicare & Medicaid Form Support

Intics handles all standard CMS forms — UB-04, CMS-1500, CMS-1450, ANSI 837 — alongside non-standard private payer formats. Risk adjustment documentation meets CMS audit requirements for RADV reviews. HCC coding extractions are evidence-linked and auditor-ready.

Human-in-the-Loop
Configurable Review Thresholds

You define the confidence threshold above which decisions are processed automatically and below which they route to human review. Clinical sensitivity flags (oncology, behavioural health, rare disease) can be configured to always require human sign-off — regardless of confidence score.

Frequently Asked Questions

Questions your legal, compliance, and IT teams will ask

Is PHI sent to an external cloud or model at any point?
No. Intics runs entirely within your VPC or on-premise environment. Member health data is processed inside your designated perimeter. Nothing is transmitted to external services. A Business Associate Agreement is executed before any data processing begins, and the architecture enforces this technically — not just contractually.
Can Intics process faxed medical records and low-quality scans?
Yes — and this is one of our core differentiators. The Radon model was specifically trained on the real-world quality of documents payers receive: faxed physician notes, photographed insurance cards, skewed mobile uploads. We achieve production-grade accuracy on documents that defeat general-purpose OCR systems.
Does Intics integrate with our existing claims platform?
Yes. Intics integrates via API or structured file exports (JSON/XML) with all major claims platforms. We operate as an intelligence layer between document intake and your core system — no rip-and-replace, no disruption to current workflows. Integration timelines typically range from 4–8 weeks depending on your platform configuration.
How does Intics handle prior authorization decisions — does it make the final call?
Intics generates a recommendation with supporting clinical evidence — it does not autonomously approve or deny care. For standard cases meeting your configured confidence threshold, the recommendation can be automatically implemented. For complex cases, edge cases, or clinically sensitive categories you define, the recommendation is routed to a licensed clinician for final determination.
What happens if Intics makes an incorrect extraction?
Every extraction is linked to its source document with a confidence score. Below your configured threshold, documents automatically route to human review before any action is taken. The system logs all human corrections and uses them to improve future accuracy. Our production standard is 95%+ field-level accuracy, with continuous improvement as the model learns your specific document patterns.

Ready to eliminate the manual
bottleneck in prior auth and adjudication?

Start with a Dark Matter Discovery session — a 2-hour workshop to map your document estate, quantify your current manual processing cost, and define your pilot scope.

Book a Dark Matter Discovery Session →View Platform Demo

Typical pilot launch: 3 weeks from discovery session