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The AI Arms Race In Health Insurance Utilization Review: Promises Of Efficiency And Risks Of Supercharged Flaws.

Michelle M Mello1, Artem A Trotsyuk2, Abdoul Jalil Djiberou Mahamadou3

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Artificial intelligence (AI) in healthcare offers benefits but raises concerns. Responsible AI governance is needed to maximize advantages and minimize risks in prior authorization and claims.

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Area of Science:

  • Health Informatics
  • Artificial Intelligence in Healthcare
  • Clinical Governance

Background:

  • Health insurers and providers increasingly adopt AI for prior authorization and claims.
  • AI adoption presents challenges including user understanding, algorithmic opacity, and potential biases.
  • Existing institutional governance has not fully addressed responsible AI implementation.

Purpose of the Study:

  • To examine AI innovation in utilization review.
  • To identify challenges in ensuring responsible AI use in healthcare.
  • To propose steps for beneficial AI implementation while mitigating risks.

Main Methods:

  • Empirical research on AI utilization in healthcare.
  • Ethical assessments of AI tools within a health system's governance process.
  • Analysis of AI adoption in prior authorization and claims.

Main Results:

  • Utilization review is a key area for AI innovation.
  • Ensuring responsible AI use is complex due to various user and algorithmic factors.
  • Current governance structures are insufficient for managing AI risks.

Conclusions:

  • AI offers significant potential in healthcare administration.
  • Addressing "humans in the loop," transparency, and bias is crucial for responsible AI.
  • Proactive steps in AI governance can help realize benefits and minimize risks.