Automate the insurance workflow no one wants to do.

ClearPay AI reads the insurance card, identifies the plan, checks eligibility, and calculates what the patient owes — all before check-in. Your staff sees one number. The patient pays before they leave.

45+

staff hours saved per location each month

+$3–6

net revenue per visit at point of service

96%

real-time eligibility accuracy

Request a Demo See how it works ↓

Patient Cost Estimate

Sarah Chen

BCBS PPO · In-Network

$175.00

✓ Ready to collect

✦

Why this amount?

The Problem

Right now, getting every patient's insurance right means nine manual steps, every single visit.

Getting to a number your staff can actually collect means working through this entire process for every insured patient. One wrong step means a denied claim or a patient who leaves without paying.

✦Manually input patient info into an eligibility tool

✦Figure out which payer to send the request to

✦Track down the CPT code in the payer's fee schedule

✦Understand which benefits apply for this specific visit

✦Validate that the insurance plan is currently active

✦Do the math on deductible, coinsurance, and copay

✦Factor in plan complexities like HDHP, dual eligibility, or out-of-network rules

✦Calculate the final patient responsibility number

✦Communicate the amount to the patient and collect payment

How It Works

From the moment a patient uploads a photo of their insurance, ClearPay AI handles every step in the background.

Step 01

AI OCR

Enhanced visual reasoning models read any insurance card using signals like logos, colors, and layout in addition to text, so it detects edge cases that standard OCR misses.

1M+ cards scanned in 2026

Step 02

Insurance Mapping

Identifies the correct payer from the thousands of options synced to your EHR. Whether the card says "BCBS," "Blue Cross," or "Anthem BCBS IL," ClearPay AI resolves them all to the same plan with zero clicks.

93% auto-match rate

Step 03

Real-Time Eligibility

Confirms in-network status, checks the patient's remaining deductible, and pulls urgent care benefits using your actual payer contracts rather than a generic database.

96% accuracy

Step 04

Cost Estimate

Produces a single dollar amount and a plain-English sentence your staff can read directly to the patient. No interpretation, no math, no guesswork at the front desk.

+$3–6 NRPV

“

We have 186 Blue Shield HMO plans. You can imagine the amount of training that requires for our staff, the anxiety that builds for them, and the inaccuracies this creates in the system. That was a job that nobody wanted to do. AI massively reduced our training requirements, and improved our accuracy in insurance selection, which drives revenue.

CEO, 60+ location urgent care group

Why It's So Hard

Health insurance has no standardization. Every clinic is figuring it out on its own.

Three variables drive the complexity on every visit.

Understanding the payer

The same payer can appear under dozens of different names depending on location, card type, and regional variation. There is no simple lookup that makes this easy.

Thousands of possible values per clinic

Interpreting coverage in real time

Every patient's coverage is completely unique based on what they've done up until that moment. Coverage isn't static — it's conditioned on an unknown state right up until the second of the visit.

Effectively infinite combinations

Resolving reimbursement from contracts

Your reimbursement rate depends on the specific clinic, the specific payer, and the specific visit type. Most groups have hundreds of contracts.

Hundreds of contracts per group

Take two patients who both walk in with a sore throat. Same visit, same clinic. But because of everything we just described, what they owe couldn't be more different. With ClearPay AI, each estimate is calculated accurately and automatically, so your front desk can collect before the patient leaves.

Emily Davidson

BCBS PPO · In-Network · Copay Plan

Office visit (99213)$0.00

Insurance pays-$0.00

Copay$0.00

Patient owes$0.00

Emily's copay is $50 for urgent care. Her deductible is already met.

David Kim

Cigna HDHP — High Deductible Plan

Total charges$0.00

Deductible$1,500

Applies to deductible$150.00 (fills remaining deductible)

Coinsurance20% × $123.00 = $24.60

Patient pays$0.00

David has $150 left on his deductible, plus 20% coinsurance on the remaining $123. Total: $174.60.

While all of that is happening in the background, this is what your staff sees.

Patient Cost Estimate

Sarah Chen

BCBS PPO · In-Network

$175.00

✓ Ready to collect

✦

Why this amount?

Consumer Price Transparency Report

The price of not knowing.

How upfront pricing builds patient trust, drives action, and gives providers a competitive edge.

of patients delayed or skipped care last year because they couldn't get a straight answer on cost.

are more likely to seek care when shown an upfront cost estimate.

would choose a provider that guarantees pricing over one that doesn't.

Read the full research report

Automate the work no one wants to do.

ClearPay AI is built for your clinic. Your dedicated partnership team will configure it specifically for your payers, fee schedules, and workflows before a single card is scanned.

Request a Demo →