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Beyond Time-Based Billing: An AI-Enabled Complexity Model for Secure Message Reimbursement.

Dong-Gil Ko1, Umberto Tachinardi2,3, Eric J Warm4

  • 1Department of Operations, Business Analytics & Information Systems, Carl H. Lindner College of Business, University of Cincinnati, Cincinnati, Ohio, USA.

Telemedicine Journal and E-Health : the Official Journal of the American Telemedicine Association
|September 23, 2025
PubMed
Summary
This summary is machine-generated.

Current telehealth billing fails to account for clinical complexity. A new AI model using message content and electronic health record engagement, not just time, offers a fairer way to reimburse providers for secure patient messages.

Keywords:
clinical complexity modelingcognitive loadmachine learningsecure messagingsensemakingtelehealth billing

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Area of Science:

  • Health Informatics
  • Artificial Intelligence in Medicine
  • Healthcare Administration

Background:

  • Current telehealth reimbursement relies on evaluation and management duration, which does not accurately reflect the complexity of provider responses to secure patient messages.
  • There is a need for reimbursement models that better represent the intricate nature of asynchronous telehealth clinical care.
  • Existing frameworks fail to capture the cognitive effort and clinical judgment involved in digital patient communication.

Purpose of the Study:

  • To develop and validate an AI-enabled model for telehealth reimbursement that quantifies clinical complexity.
  • To create a more accurate billing framework for asynchronous telehealth services based on provider cognitive effort and clinical content.
  • To establish a foundation for reforming telehealth reimbursement to ensure fair provider compensation.

Main Methods:

  • Analysis of 149,499 secure patient messages from a large health system (2023-2024).
  • Utilized supervised pseudo-labeling with rigorous annotation guidelines (Cohen's κ = 0.816) on a subset of messages.
  • Developed a gradient boosting classifier using features of electronic health record engagement (Domain Engagement) and linguistic complexity (Cognitive Judgment), validated through cross-validation and leave-one-provider-out testing.

Main Results:

  • The complexity-based model achieved an area under the curve (AUC) of approximately 0.82, significantly outperforming a time-based model (AUC ~0.57).
  • Key predictors of complexity included unique medical concepts, breadth of clinical content, and emotional urgency, not message length or duration.
  • Billable threads demonstrated higher medical density and emotional intensity, validating the Domain Engagement and Cognitive Judgment metrics.

Conclusions:

  • AI-driven complexity metrics more accurately represent provider cognitive effort in telehealth compared to time-based measures.
  • The developed model offers a practical, accurate, and explainable approach for telehealth billing reform.
  • This framework supports fairer provider reimbursement and enhances the sustainability of telehealth services.