Monday, September 7, 2026

Lois Bockmann Was a Nurse. Healthcare Still Missed What She Was Trying to Say.

One nurse's journey through misread signals, severe aortic stenosis and an unexpected pancreatic tumor exposes a deeper problem in modern healthcare: we don't necessarily lack information—we lack the attention, coordination and workflow needed to act on what matters.



“Use AI as a tool, not a replacement.”Zach Bush, MD

 

There is something deeply unsettling about a nurse becoming the patient.

A nurse knows the language.

She knows the questions.

She knows what normal looks like.

She knows that a symptom can be more important than the diagnosis currently sitting at the top of the chart.

And sometimes, perhaps most importantly, she knows when something doesn't feel right.

Lois Bockmann knew.

Bockmann spent much of her career caring for other people. She worked as an operating-room nurse and later served as a lead nurse at WakeMed North Surgery Center.

Then the bed was hers.

Bockmann was born with a congenital bicuspid aortic valve and had been monitored for her heart condition for years. She developed an arrhythmia in 2015.

But beginning in September 2025, she noticed something different.

Her shortness of breath was getting worse.

Her heart rhythm was becoming increasingly problematic.

She sought medical attention.

According to WakeMed's account of her experience, the care she received elsewhere remained heavily focused on the arrhythmia while her concerns about worsening shortness of breath were not adequately addressed.

Months went by.

September.

October.

November.

December.

January.

By February 2026, Bockmann knew she needed another path.

Her husband had previously undergone coronary bypass surgery at WakeMed Heart Center with Trevor Upham, MD, FACS.

So they contacted WakeMed.

Bockmann connected with Bryon Boulton, MD, FACS.

An echocardiogram on February 9 finally revealed the problem:

Severe aortic stenosis.

Boulton recommended a minimally invasive aortic valve replacement.

But then something unexpected happened.

During the preoperative evaluation, a CT scan revealed a mass on Bockmann's pancreas.

Suddenly, the patient who had arrived because she couldn't breathe properly was dealing with two potentially life-changing problems.

The cardiac team didn't simply hand the pancreatic problem to somebody else and move on.

Boulton contacted Joshua Herb, MD, MSCR, a surgical oncologist.

Herb evaluated Bockmann while she was still hospitalized. Further imaging, endoscopy and biopsy followed.

The diagnosis was a pancreatic neuroendocrine tumor.

It was malignant.

But it was also slow-growing and, importantly, surgically removable.

Bockmann underwent her minimally invasive aortic valve replacement on March 10.

Then she went through cardiac rehabilitation to become strong enough for another operation.

On June 15, she underwent a robotic distal pancreatectomy and splenectomy.

Her care involved a much larger team, including Bob O'Brien, nurse navigator Kristin Kleber, physician assistants Allie Gordon and Sarah Fernandez, along with Boulton, Herb and other specialists.

Two major diagnoses.

Two major surgeries.

Multiple specialties.

One patient.

And, perhaps most importantly, a connected story.

WakeMed's account describes Bockmann's care as coordinated from the first call through postoperative follow-up. Her clinicians communicated with one another. Her nurse navigator stayed involved. Her surgical teams remained connected.

Bockmann later described the experience as fundamentally different from what she had experienced at other large healthcare facilities.

That is where her story becomes much bigger than one patient.

Because here's the uncomfortable question:

What if healthcare's biggest problem isn't that we don't have enough information?

What if we have too much?

And what if the real problem is knowing what deserves attention now?


The Healthcare Industry Has a Data Problem. And It Doesn't.

Healthcare has spent decades becoming extraordinarily good at collecting information.

Electronic health records.

Laboratory results.

Imaging.

Claims.

Prior authorizations.

Medication histories.

Clinical notes.

Messages.

Referral records.

Dashboards.

Alerts.

Work queues.

Analytics.

Artificial intelligence.

We have built an enormous information machine.

And then we gave physicians inboxes.

Lots of inboxes.

That might be the most healthcare sentence ever written.

We built technology to help clinicians manage complexity.

Then we created more complexity for clinicians to manage.

The contradiction is almost funny.

Almost.

Because behind every notification is a person.

Behind every denied claim is a patient's treatment.

Behind every missing document is somebody's time.

Behind every unanswered message is somebody waiting.

Behind every administrative task is somebody who eventually has to do the task.

And that somebody is often a highly trained clinician or an already-overloaded staff member.

So perhaps the question isn't:

“How do we give healthcare more information?”

Perhaps it is:

“How do we make healthcare pay attention to the right information?”

That is a very different problem.


Lois Bockmann's Story Is Really a Story About Attention

Look at what happened to Bockmann.

The arrhythmia was real.

But it wasn't the whole story.

The shortness of breath was real.

But the cause wasn't immediately clear.

Eventually, the right evaluation identified severe aortic stenosis.

Then another investigation uncovered an entirely different problem.

The pancreatic tumor was not necessarily sitting there waiting for somebody to discover it on a giant dashboard.

It was discovered because somebody followed a clinical workflow far enough to look.

This is important.

Healthcare doesn't fail only when it lacks information.

It can fail when information exists but doesn't trigger the right action.

That distinction is enormous.

A chart can contain the answer.

A payer portal can contain the denial reason.

A claim can contain the missing field.

A referral can contain the clue.

A prior authorization can contain the documentation requirement.

A physician can know what needs to happen.

And yet nothing happens.

Why?

Because information isn't action.

Information is potential.

Workflow turns potential into action.


The Contrarian Take: Healthcare May Not Need More AI

I know.

That's an uncomfortable sentence for somebody building an AI healthcare company.

But it needs to be said.

Healthcare does not necessarily need more AI.

Healthcare needs better workflows.

AI can help.

But AI sitting on top of a broken workflow can simply make the broken workflow faster.

That isn't innovation.

That's accelerated chaos.

Imagine taking a terrible administrative process and adding an extremely efficient AI system to it.

Congratulations.

You now have a very efficient terrible administrative process.

Recent healthcare reporting has already begun documenting this problem. Medical Economics highlighted concerns that AI layered onto fragmented administrative processes can actually increase iterations, denials and appeals rather than reduce them. One analysis described the emerging possibility of “bot wars,” where providers and payers automate both sides of an already dysfunctional process.

That should make everyone pause.

Because the industry has a strange habit:

First we automate.

Then we discover we automated the wrong thing.

Then we build another system to manage the automation.

Then we hire someone to manage the system that manages the automation.

Eventually someone creates a dashboard to tell us why the original process became more complicated.

At some point, we should probably stop.


The AI Paradox

AI is becoming mainstream in medicine.

The American Medical Association's 2026 research found that 81% of physicians report using AI professionally, more than double the 38% reported in 2023. More than three-quarters of physicians also said AI improves their ability to care for patients.

That's significant.

But adoption isn't the same thing as transformation.

A physician can use AI and still have a terrible workflow.

A practice can purchase six AI tools and still drown in administrative work.

A hospital can deploy an ambient scribe and still have a prior authorization nightmare.

A billing department can automate claim submission and still spend hours chasing denials.

AI adoption is not the finish line.

Workflow improvement is.

That's the distinction I believe healthcare needs to make.


The Best AI May Be the AI You Barely Notice

There is a temptation to make AI visible.

Big dashboards.

Chat interfaces.

Generative summaries.

Animated assistants.

“Copilots.”

“Agents.”

“Autonomous intelligence.”

The vocabulary is impressive.

The workflow can still be miserable.

The best AI in healthcare may actually be almost invisible.

It might quietly recognize that a claim is likely to be denied.

It might notice that documentation doesn't support a particular code.

It might retrieve the relevant information.

It might identify the likely problem.

It might prepare the correction.

It might route the task to the right person.

And then it might get out of the way.

No fireworks.

No robot voice.

No dramatic AI avatar announcing:

“Good morning, Dr. Cham. I have optimized your revenue cycle.”

Please don't.

The physician doesn't need another coworker who talks too much.

The physician needs fewer things to do.


The Real Currency of Healthcare Is Attention

We usually talk about healthcare resources in terms of money.

Beds.

Clinicians.

Equipment.

Drugs.

Facilities.

Technology.

But there is another resource that is harder to measure:

attention.

A physician has a finite amount of cognitive bandwidth.

A nurse has a finite amount of attention.

A practice administrator has a finite amount of attention.

A biller has a finite amount of attention.

A patient has a finite amount of attention.

And administrative systems compete for it.

Every interruption has a cost.

Every unnecessary handoff has a cost.

Every duplicate data entry has a cost.

Every portal message that could have been resolved automatically has a cost.

Every claim that requires five manual touches instead of one has a cost.

Not always a financial cost.

A cognitive cost.

A human cost.

And eventually, a clinical cost.


Burnout Is Not Just About Working Too Much

Healthcare often discusses burnout as though the solution is better resilience.

Meditate.

Take vacation.

Exercise.

Practice mindfulness.

Set boundaries.

Those things can help.

But here's the contrarian question:

What if the physician isn't failing to cope with the workflow?

What if the workflow is failing the physician?

The distinction matters.

You can teach someone to tolerate an inefficient process.

That doesn't make the process efficient.

You can teach a physician resilience.

That doesn't make prior authorization less ridiculous.

You can tell a practice administrator to “work smarter.”

That doesn't eliminate five payer portals.

And you can tell a biller to be more productive.

That doesn't explain why the same denial keeps returning.

The AMA's research shows physicians increasingly view AI as a way to reduce administrative workload, with 73% of surveyed physicians saying they expect AI to reduce administrative work through automation.

The opportunity is obvious.

But so is the warning.

Don't automate the burden. Remove it.


Medical Billing Is a Perfect Example

Consider the medical billing workflow.

Patient.

Documentation.

Coding.

Claim.

Payer.

Denial.

Appeal.

Payment.

A/R.

On paper, it looks orderly.

In practice, it can look like a relay race in which everyone keeps dropping the baton.

A claim is submitted.

It is denied.

Someone opens the denial.

Someone checks the payer portal.

Someone reviews the chart.

Someone searches for documentation.

Someone identifies the probable cause.

Someone contacts the clinical team.

Someone waits.

Someone corrects the claim.

Someone resubmits.

Then the payer finds something else.

Repeat.

The industry often calls this revenue cycle management.

Sometimes it feels more like revenue cycle archaeology.

Someone is digging through three systems looking for evidence of what happened six weeks ago.

That is not a technology problem alone.

It is a workflow problem.


What If a Denial Were Treated Like a Workflow Event?

Imagine this instead.

A claim is rejected.

The system immediately analyzes the rejection.

It identifies the likely reason.

It compares the denial against the claim.

It retrieves relevant documentation.

It checks whether the documentation supports the correction.

It identifies what is missing.

It recommends the next action.

It prepares the work.

A human reviews it.

The human approves.

The claim is corrected.

The system learns from the outcome.

That's fundamentally different from:

“Here is another dashboard. Good luck.”

The difference is not merely AI.

The difference is workflow design.


This Is Where OnnX Comes In

I founded OnnX around a simple question:

Can medical billing work more like an intelligent workflow and less like a collection of disconnected tasks?

Not:

“How do we replace everyone?”

Not:

“How do we put AI on every screen?”

And certainly not:

“How do we make a chatbot for billing?”

The better question is:

What work should disappear?

Then:

What work should be simplified?

Then:

What work can AI safely perform?

And finally:

Where must a human remain accountable?

That last question is critical.

Because healthcare isn't a place where “move fast and break things” is a particularly attractive philosophy.

Breaking a spreadsheet is annoying.

Breaking a patient's care pathway is something else entirely.


The Human Should Not Be the Workflow's Error-Handling Mechanism

This is one of the most important ideas in healthcare automation.

Many organizations design workflows like this:

  1. Create automated process.
  2. Wait for something to go wrong.
  3. Send the exception to a human.
  4. Human figures everything out.

That's not intelligent automation.

That's human-powered error recovery.

A better workflow asks:

What can we predict?

What can we validate?

What can we catch earlier?

What information can we assemble automatically?

What decisions can be recommended?

What should be escalated?

What actually requires judgment?

This is the difference between automation and workflow intelligence.


Expert Opinion Round-Up

Atul Gawande: Better Systems Matter

Atul Gawande has spent years examining the uncomfortable gap between medical knowledge and reliable execution.

His work repeatedly makes the same broader point: knowing what to do is not enough.

Healthcare needs systems that help people consistently do what works.

That idea applies directly to AI.

AI should not merely increase the amount of information available to physicians.

It should help healthcare organizations reliably execute better processes.

Knowledge without execution is potential.

Knowledge embedded in a good workflow becomes care.


John Whyte, MD, MPH: AI Should Enhance Physicians

The AMA's 2026 research shows that physicians are increasingly using AI, but the organization's message remains cautious: AI should enhance rather than replace physicians and must be safe, effective and responsibly integrated.

That distinction matters.

The future isn't necessarily physician versus AI.

It may be:

physician plus better workflow.

That's a much more useful conversation.


Rebecca Mishuris, MD, MPH: Technology Can Return Time

Medical Economics recently highlighted the experience of Rebecca Mishuris, MD, MPH, chief medical information officer at Mass General Brigham, where burnout reportedly fell substantially following introduction of ambient documentation technology.

The lesson isn't that every AI product will produce the same result.

The lesson is simpler:

Time returned to clinicians has real value.

Technology becomes meaningful when the person using it actually experiences the difference.


The Industry's Favorite Question Is the Wrong Question

Healthcare executives often ask:

“What can AI do?”

I think the better question is:

“What shouldn't humans have to do?”

That shift changes everything.

AI can summarize.

AI can classify.

AI can extract.

AI can compare.

AI can predict.

AI can draft.

AI can route.

AI can monitor.

AI can recommend.

But the most valuable capability may be something much less glamorous:

AI can remove work.

And removing work is often more valuable than generating content.


The AI Arms Race Could Make Healthcare Worse

Here's another uncomfortable prediction.

Healthcare organizations may increasingly compete over who has the most AI.

That could become a mistake.

Imagine two practices.

Practice A has twelve AI tools.

Practice B has three.

Practice A's systems don't communicate.

Practice B redesigned its workflows first and then applied AI selectively.

Which one is more advanced?

I would bet on Practice B.

Technology count is not a measure of transformation.

Friction eliminated is.


A Better AI Scorecard

Stop asking only:

“How accurate is the model?”

Also ask:

  • How many clicks disappeared?
  • How many handoffs disappeared?
  • How many manual touches disappeared?
  • How much rework disappeared?
  • How quickly does an exception reach the right person?
  • How often does the system escalate appropriately?
  • How often does a human need to correct the AI?
  • Does the physician get time back?
  • Does the staff get time back?
  • Does the patient experience improve?

For revenue-cycle workflows, useful metrics include:

Clean claim rate

Denial rate

Days in A/R

Denial resolution time

Appeal success rate

Manual touches per claim

Rework rate

First-pass resolution

Staff hours spent on denials

And one metric I believe deserves much more attention:

Human touches eliminated per successful workflow.

That is a much more interesting AI metric than the number of prompts generated.


The Myth: “Automation Means No Humans”

No.

That's the wrong model.

The better model is:

AI handles repetition.

AI handles pattern recognition.

AI prepares the work.

AI surfaces exceptions.

Humans handle judgment.

Humans handle accountability.

Humans handle the situations where context matters more than pattern.

Human review isn't proof that automation failed.

Sometimes human review is exactly what responsible automation looks like.


Another Myth: “More AI Means More Efficiency”

Absolutely not.

You can automate a bad workflow.

You can automate redundant work.

You can automate unnecessary approvals.

You can automate the wrong data.

You can automate communication between two systems that shouldn't be communicating in the first place.

And then you can proudly report:

“We automated 87% of the process.”

Congratulations.

You may have just automated 87% of the wrong process.

This is why workflow mapping should come before AI deployment.


The 30-Day Workflow Experiment

You don't need a $2 million transformation program to start.

Try this for 30 days.

Days 1–7: Watch the Work

Don't redesign anything.

Observe.

Where do staff members spend time?

Where do physicians get interrupted?

Where do claims stall?

Where do people copy and paste information?

Where do people switch between systems?

Where does someone say:

“I have to check another system.”

Write those moments down.

They're clues.

Days 8–14: Count the Handoffs

For one workflow, count every handoff.

Who starts it?

Who touches it next?

Who reviews it?

Who approves it?

Who sends it?

Who waits?

Who checks it again?

You may discover that the problem isn't the task.

It's the number of people required to move the task.

Days 15–21: Separate Judgment From Repetition

Ask:

What actually requires expertise?

What requires judgment?

What requires authorization?

What is simply retrieval?

What is simply data entry?

What is simply checking?

What is simply routing?

That last category is where automation often becomes interesting.

Days 22–30: Test One Workflow

Don't automate everything.

Pick one painful workflow.

Measure it before.

Change it.

Measure it afterward.

If nothing improves, don't defend the technology.

Change the workflow.

Or remove the automation.

That's not failure.

That's product development.


What Healthcare Gets Wrong About “Best Practices”

Healthcare loves best practices.

Guidelines.

Protocols.

Checklists.

Standards.

They matter.

But there is a danger.

A best practice from a large academic medical center may not be the best practice for a five-physician independent clinic.

A workflow designed for a health system with hundreds of IT employees may be absurd for a small practice.

A solution that requires twelve integrations may technically be impressive and operationally useless.

The question shouldn't be:

“Is this a best practice?”

It should be:

“Is this the best workflow for this environment?”

Context matters.


Small Practices Deserve Better Technology, Not More Technology

Independent practices are particularly interesting.

They often don't have armies of analysts.

They don't have endless implementation budgets.

They don't have a dedicated team for every payer.

They can't afford technology that requires a technology department to operate.

That means simplicity isn't a luxury.

It's a requirement.

The best system for a small clinic may be the one that quietly removes ten repetitive tasks without requiring the practice to hire three people to manage it.

This is one reason I believe healthcare AI should become increasingly workflow-native.

Not another destination.

Not another login.

Not another dashboard.

Something that fits into the work already happening.


The Hidden Cost of Administrative Fragmentation

Let's return to Lois Bockmann.

Her story illustrates the upside of coordination.

Different clinicians.

Different specialties.

Different responsibilities.

One patient.

Communication connected the pieces.

Now imagine the opposite.

The cardiologist doesn't know what oncology discovered.

Oncology doesn't know what cardiology is planning.

The nurse navigator has to reconstruct the story.

The patient becomes the messenger.

The patient carries the information from one office to another.

That happens in healthcare.

And it is exhausting.

We sometimes call it fragmentation.

I would call it something more provocative:

We outsourced coordination to the patient.

That's backwards.

The patient should not be the integration layer.


The Same Problem Exists in Revenue Cycle Management

The patient shouldn't be the integration layer.

Neither should the biller.

Yet billing staff often become the human middleware connecting incompatible systems.

EHR.

Clearinghouse.

Payer portal.

Phone call.

Fax.

Email.

Spreadsheet.

Denial report.

Back to EHR.

The biller becomes the API.

Except the API takes lunch.

And gets tired.

And can quit.

And deserves better.

That isn't an insult to billing professionals.

It's an indictment of the systems we have built around them.


What AI Should Actually Do in Medical Billing

A useful AI billing system should be able to understand workflow context.

Not just generate text.

It should help answer:

What happened?

Why did it happen?

What information matters?

What is missing?

What should happen next?

Who should handle it?

What requires human approval?

What happened after the action?

That is a workflow loop.

Not a chatbot.

Not a document generator.

A workflow loop.


The Future of Medical Billing Is Not “AI Billing”

I think the phrase itself is too small.

The future is workflow intelligence.

Billing is one example.

Prior authorization is another.

Referral management.

Documentation.

Credentialing.

Patient communication.

Care coordination.

Quality reporting.

Each contains repetitive cognitive work.

The opportunity isn't to replace the human being.

It's to remove the unnecessary work surrounding the human being.


Where We Should Be Careful

There are legitimate risks.

AI can hallucinate.

AI can misclassify.

AI can amplify bias.

AI can expose protected health information if deployed irresponsibly.

AI can make incorrect coding recommendations.

AI can create false confidence.

AI can automate bad decisions at scale.

And AI can create a particularly dangerous illusion:

“The computer said so.”

That is not accountability.

Healthcare organizations need appropriate privacy and security safeguards, contractual protections where applicable, auditability, human oversight, validation, monitoring and clear responsibility for decisions.

The more consequential the action, the stronger the controls should be.

Automation should not become a way to make responsibility disappear.


The Ethical Question Nobody Likes

Here's a question every healthcare AI company should answer:

Who benefits from the automation?

Does the physician benefit?

Does staff benefit?

Does the patient benefit?

Does the practice benefit?

Does the payer benefit?

Or does the technology simply allow one organization to push more work onto another organization faster?

That's not innovation.

That's burden transfer.

And healthcare already has enough of that.


A Warning About “Efficiency”

Efficiency is not automatically good.

Suppose AI allows a billing department to process twice as many claims.

Excellent.

But suppose it also doubles the number of claims entering an already dysfunctional payer workflow.

Not so excellent.

Suppose an AI tool increases documentation completeness.

Great.

But suppose payers respond with aggressive downcoding.

Now the system has entered an arms race.

This is exactly why recent analysis of healthcare AI has warned that applying automation to fragmented administrative systems can produce an efficiency paradox rather than true efficiency.

The lesson:

Optimize the system, not just the task.


Recent News Is Pointing in the Same Direction

The healthcare AI conversation is shifting.

It is no longer simply:

“Can AI work?”

The more important questions are becoming:

Does it work inside real workflows?

Does it save time?

Does it reduce burden?

Can physicians trust it?

Does it create new administrative work?

Who remains accountable?

The AMA's 2026 research shows AI use among physicians has reached 81%, while its research also emphasizes responsible implementation and the need for physician involvement.

At the same time, healthcare reporting is increasingly questioning whether AI deployed on top of fragmented administrative processes can actually worsen complexity.

That tension will define the next phase of healthcare AI.


The Biggest AI Opportunity May Be Boring

This may disappoint the people building futuristic healthcare demos.

But I think one of the biggest opportunities in healthcare AI is incredibly boring.

Find the missing document.

Find the reason for the denial.

Find the next step.

Find the person responsible.

Find the information already sitting somewhere in the system.

Remove the duplicate task.

Reduce the handoff.

Prevent the error.

Close the loop.

That's not science fiction.

It's operational intelligence.

And healthcare desperately needs it.


What Lois Bockmann's Story Ultimately Teaches Us

Bockmann's story is not a story about technology replacing clinicians.

It is almost the opposite.

It is a story about what becomes possible when people have enough attention and coordination to see the whole picture.

Bockmann needed someone to listen to the symptom that didn't fit neatly into the existing narrative.

She needed clinicians who could connect information.

She needed specialists who communicated.

She needed a team that could coordinate two very different surgical problems.

Technology may support that process.

But technology wasn't the protagonist.

People were.

That distinction matters.

Because the purpose of healthcare technology shouldn't be to make healthcare feel more technological.

It should make healthcare feel more human.


My Contrarian Prediction

Over the next decade, healthcare will not be transformed by the organization with the most AI.

It will be transformed by the organizations that understand where AI belongs — and where it doesn't.

The winners won't necessarily have the biggest models.

They'll have the best workflows.

They'll know which decisions require physicians.

Which tasks require nurses.

Which work can be automated.

Which information needs to move.

Which exceptions need escalation.

And which processes should simply be eliminated.

The smartest healthcare organization may therefore be the one that does the least unnecessary work.

That's a very different definition of innovation.


The Question I Would Ask Every Practice Owner

Forget the AI roadmap for a moment.

Forget the vendor demonstrations.

Forget the impressive PowerPoint.

Walk into your practice tomorrow and ask:

“What is everybody doing here that nobody should have to do?”

Don't ask what can be automated.

Start there.

Find the waste.

Find the repetition.

Find the friction.

Find the unnecessary handoff.

Find the task that exists because two systems don't communicate.

Find the task that exists because a payer designed it that way.

Find the task that exists because “that's how we've always done it.”

Then ask:

Can we eliminate it?

If not:

Can we simplify it?

If not:

Can AI assist with it?

And if AI assists:

Where should the human remain in control?

That sequence is more important than buying another AI tool.


Failure Is Part of the Process

Healthcare organizations should become more comfortable admitting when technology doesn't work.

An AI tool may promise to save time and instead create review work.

A chatbot may reduce phone calls but increase confusion.

An automated denial system may generate more appeals without improving resolution.

A documentation tool may create better notes but introduce coding disputes.

That's not necessarily evidence that AI is useless.

It may mean the workflow was poorly designed.

The answer isn't always:

“The AI needs improvement.”

Sometimes the answer is:

“We shouldn't be doing this task this way in the first place.”

That's a harder answer.

It is also often the more valuable one.


Myth Buster

Myth 1: AI will eliminate medical billing.

Probably not.

It will change which parts require human effort.

Myth 2: More automation always means lower costs.

No.

Poorly designed automation can create new work.

Myth 3: AI is primarily a clinical tool.

Not necessarily.

Physicians themselves identify administrative work as one of AI's biggest opportunities.

Myth 4: Human review means the AI isn't intelligent.

Wrong.

Human oversight can be a feature of responsible automation.

Myth 5: Burnout is mainly a physician resilience problem.

No.

Workflow design, documentation burden, operational reliability and administrative friction matter.

Myth 6: Small practices can't benefit from AI.

They can — provided the technology reduces complexity rather than adding another layer.


Practical Checklist for Practice Leaders

Before implementing any AI workflow, ask:

1. What problem are we actually solving?

If the answer is “we want AI,” stop.

2. What does the current workflow look like?

Map it.

3. How many handoffs exist?

Count them.

4. Which steps require judgment?

Protect them.

5. Which steps are repetitive?

Candidate for automation.

6. What information does the system need?

Make sure it can access reliable data.

7. What happens when the AI is wrong?

Define escalation.

8. Who remains accountable?

Name the role.

9. How will we measure success?

Choose metrics before launch.

10. What work disappears?

This may be the most important question of all.


The Future Is Not Autonomous Healthcare

At least, that's not the future I want.

I don't want a healthcare system where humans disappear behind software.

I want a healthcare system where humans spend more time doing the things humans are uniquely good at.

Listening.

Reasoning.

Explaining.

Comforting.

Deciding.

Connecting.

Advocating.

Caring.

And where machines handle more of the work machines are good at.

Retrieving.

Comparing.

Sorting.

Monitoring.

Routing.

Summarizing.

Detecting patterns.

Preparing work.

Closing loops.

That is not humans versus machines.

It is humans doing more human work because machines handle more machine work.


The Real Innovation Is Giving Attention Back

That brings us back to Lois Bockmann.

She wasn't saved because someone built a prettier dashboard.

She wasn't saved because someone added another notification.

She wasn't saved because an algorithm generated a 500-word summary.

Her story turned when people connected the pieces.

When someone listened.

When someone investigated.

When one specialist contacted another.

When a team coordinated.

When information became action.

That is the lesson I keep coming back to.

Healthcare doesn't just need better information.

It needs better attention.

And attention requires workflow.


About OnnX

I founded OnnX around a simple belief:

Healthcare technology should remove administrative friction, not create another layer of it.

Our focus is on AI-powered workflow automation for medical billing and revenue-cycle operations, particularly for small and medium-sized medical practices.

The goal isn't to tell physicians that AI will replace their staff.

It is to ask a more practical question:

Which repetitive cognitive tasks can technology safely take off their plates?

That includes analyzing claims and denials, identifying likely causes, organizing relevant information, recommending next steps, preparing work for review and helping route the right task to the right person.

The larger idea is workflow intelligence.

Because the future of healthcare AI shouldn't simply be about generating more information.

It should be about turning information into the right action with less friction.


Tools and Metrics Worth Watching

For organizations beginning this journey, don't start with a shopping list of AI vendors.

Start with measurement.

Track:

  • Administrative hours per physician
  • Manual touches per claim
  • Denial rate
  • Clean claim rate
  • Days in A/R
  • Denial resolution time
  • Appeal success rate
  • Rework rate
  • First-pass resolution
  • Staff time spent on repetitive tasks
  • Number of workflow handoffs
  • Number of unnecessary escalations
  • Physician administrative time
  • Patient wait time where applicable

Then establish a baseline.

If the number doesn't improve, the project isn't finished.

And if the technology doesn't improve it?

Be willing to say so.


Legal and Compliance Considerations

Healthcare automation has consequences.

Organizations should evaluate:

Privacy: How is protected health information handled?

Security: Who can access the system?

Contracts: Are appropriate agreements and business associate arrangements in place where required?

Auditability: Can the organization determine what the system did and why?

Human oversight: Which decisions require human approval?

Coding: Does the recommendation align with documentation and applicable coding requirements?

Payer rules: Does automation account for payer-specific requirements?

Accountability: Who is responsible when the system makes a mistake?

AI should never become a convenient place to hide responsibility.


The Bigger Question

Maybe the healthcare industry's most important AI question isn't:

“How intelligent can our systems become?”

Maybe it's:

“How much unnecessary work can we remove?”

That's a much harder question.

Because answering it may require admitting that some workflows shouldn't exist.

Some approvals aren't necessary.

Some handoffs are redundant.

Some dashboards are noise.

Some reports are never used.

Some tasks exist because two organizations haven't agreed on a better way.

Some work exists because everyone got used to doing it.

And some work exists because nobody has stopped to ask why.

AI can help us solve those problems.

But first we have to be willing to see them.


Final Thought

Lois Bockmann spent her career helping other people navigate healthcare.

Then she became the person navigating it.

Her story is a reminder that being inside the system doesn't guarantee that the system will see you clearly.

It also reminds us that coordination isn't an administrative luxury.

It can be clinical.

Attention isn't a soft skill.

It can be consequential.

Workflow isn't merely an operations problem.

It can shape outcomes.

And technology isn't valuable simply because it is intelligent.

It is valuable when it helps people do the right thing at the right time with less unnecessary friction.

Maybe that is the real opportunity for AI in healthcare.

Not more screens.

Not more dashboards.

Not more notifications.

Not more tools competing for attention.

Less noise.

Less repetition.

Less administrative friction.

More attention where it matters.

Because the patient is not the workflow.

The patient is the reason the workflow exists.

And perhaps the ultimate measure of healthcare innovation is surprisingly simple:

Did we give the human being more room to care for another human being?


Continue the Conversation

I write and speak about the intersection of medicine, AI, healthcare operations, workflow automation, medical billing and the future of healthcare.

You can continue the conversation through:

Dr. Daniel Cham's website

Dr. Cham on Spotify

Dr. Cham on YouTube

Dr. Cham on X

Dr. Cham on Facebook

A free resource is also available through the Featured section of Dr. Cham's LinkedIn profile. No signup is required.


References

1. WakeMed — “Coordinated Care at WakeMed Saved Nurse Lois Bockmann's Heart — and Her Life.”
The real-life patient story behind this article, including Bockmann's diagnoses, treatment and multidisciplinary care team. Read the WakeMed story

2. American Medical Association — “AMA: AI usage among doctors doubles as confidence in technology grows.”
The AMA's 2026 research showing that 81% of physicians report using AI professionally and examining how physicians view its benefits and risks. Read the AMA research summary

3. Medical Economics — “Why AI may be making your administrative burden worse.”
An important counterpoint examining how AI layered onto fragmented administrative processes can potentially increase complexity rather than eliminate it. Read the Medical Economics analysis


Disclaimer

This article is provided for general educational and informational purposes only. It is not intended to constitute medical, legal, regulatory, compliance, financial or professional advice. Healthcare organizations, clinicians and businesses should evaluate their individual circumstances and obtain appropriate advice from qualified professionals before making clinical, operational, technological or financial decisions. References to healthcare professionals, organizations, technologies or real-world cases are provided for educational context and should not be interpreted as endorsements unless explicitly stated.


Your Turn

If you could permanently eliminate one administrative task from your medical practice tomorrow, what would it be?

The task that makes you think:

“Why are humans still doing this?”

I'd genuinely like to know.

Comment below.

If this story made you think differently about AI, workflow or administrative burden, share it with a physician, practice administrator, healthcare leader or colleague who is dealing with the same problem.

Because perhaps the next great healthcare innovation isn't another technology.

Perhaps it's finally removing the work that never needed to exist.

Knowledge drives progress. Better questions drive innovation. And sometimes the most important question in healthcare is simply: Why are we still doing this?

#HealthcareAI #MedicalBilling #MedicalPractice #Physicians #ClinicOwners #HealthcareInnovation #RevenueCycleManagement #RCM #HealthcareAutomation #MedicalTechnology #AdministrativeBurden #PhysicianBurnout #HealthTech #AIinHealthcare #IndependentPractice #PracticeManagement #WorkflowAutomation #PatientCare #HealthcareLeadership #DigitalHealth #HealthcareEntrepreneur #MedicalPracticeManagement #PhysicianEntrepreneur #HealthcareOperations

 

Sunday, September 6, 2026

Kareena, Jill Grandas, and the Liver That Flew on 9/11: What One Extraordinary Healthcare Story Teaches Physicians About Medical Billing

When the normal system fails, great healthcare leaders don't accept the failure—they redesign the path forward. The same principle could transform medical billing.



“Many physicians fear the health insurance industry’s use of unregulated artificial intelligence (AI) automation and predictive technologies will increasingly override good medical judgment and systematically deny patients coverage for necessary medical care.”American Medical Association

 

There are stories about healthcare that make you think.

And then there are stories that make you stop scrolling.

On September 11, 2001, the United States stopped flying.

Airspace was shut down. Airports were closing. The country was trying to understand an unfolding catastrophe.

In Houston, however, a six-month-old baby named Kareena had a much more immediate problem.

She was suffering from liver failure.

A compatible donor liver was waiting in Nashville, Tennessee.

The liver needed to reach Houston.

Normally, that would mean putting an organ on an airplane.

But September 11 was not a normal day.

There was no ordinary flight.

No ordinary airport.

No ordinary logistics.

And no room for an ordinary excuse.

That was when Jill Grandas, then working in organ donation at Tennessee Donor Services, started making calls.

She contacted air-traffic officials and began asking a question that, under the circumstances, must have sounded almost absurd:

Could they get a lifesaving organ through a country whose airspace had been grounded?

Eventually, the answer was yes.

A Tennessee National Guard C-130 was cleared to fly.

The donor liver made its way from Nashville to Houston.

Dr. John Goss and the transplant team at Texas Children's Hospital were waiting.

Former transplant surgeon and then-Senator Bill Frist, MD, also became involved in helping facilitate the effort.

The organ arrived.

Kareena received her transplant.

She lived.

Twenty-five years later, in 2026, Jill Grandas and Kareena finally met in person.

Kareena is now 25 years old, in law school, and interested in health policy and the social determinants of health.

Think about that for a moment.

A six-month-old child.

A donor family experiencing unimaginable grief.

A nurse making phone calls.

An air-traffic system operating under extraordinary conditions.

A military aircraft.

A transplant team.

A surgeon.

A senator.

An organ traveling across several states.

And one little girl whose future depended on all those moving parts working together.

That is not just a transplant story.

It is a story about coordination.

And that is why I think physicians and medical practice owners should pay attention.

Because healthcare has not stopped being a coordination problem.

We have simply become better at hiding the coordination problem behind software, portals, forms, passwords, phone trees, spreadsheets, faxes, clearinghouses, billing companies, payer rules, work queues, denial queues, and people saying:

“That's just how healthcare works.”

I disagree.

And I think independent physicians should disagree, too.

Because there is a dangerous idea hiding inside that sentence.

It is the idea that complexity is inevitable just because it is familiar.

It isn't.

Sometimes complexity is necessary.

Sometimes it is merely accumulated.

And medical billing has accumulated a lot.


The Uncomfortable Question

Let me ask a question that may irritate a few people in revenue-cycle management:

Why does a physician who successfully diagnoses and treats a patient need an entire administrative ecosystem to convince another organization to pay for the work?

The standard answer is:

“Because healthcare is complicated.”

True.

But incomplete.

Healthcare is complicated because medicine is complicated.

Medical billing is complicated because we built it that way, layered rules on top of rules, and then hired people to manage the resulting mess.

Those are not the same thing.

A physician can perform an intricate procedure with extraordinary precision.

Then the claim can fail because a modifier was missing.

The patient receives the care.

The practice receives the headache.

The payer receives another phone call.

The biller opens another portal.

Someone sends another fax.

Another spreadsheet gets updated.

And eventually someone says:

“We need more staff.”

Maybe.

Or maybe we need a better system.

That distinction matters.

Because hiring more people to compensate for broken processes can create the illusion of improvement while preserving the underlying problem.

It is the healthcare equivalent of putting a second person in the passenger seat because the first person cannot find the brakes.


The Kareena Test

I call this the Kareena Test.

Imagine that the six-month-old Kareena's liver had been sitting in Nashville on September 11, 2001, and someone had responded:

“Unfortunately, our normal transportation workflow is unavailable.”

That would have been technically true.

It also would have been completely unacceptable.

The people involved did something different.

They did not confuse the failure of the normal process with the impossibility of the mission.

They asked:

What is the mission?

Save the child's life.

Then:

What is preventing the mission?

The airspace shutdown.

Then:

What can we change?

The transportation method.

That is operational thinking.

And it is desperately needed in medical practices.

The mission of a medical practice is not:

  • submit claims;
  • work denials;
  • check eligibility;
  • upload documentation;
  • reconcile remittances;
  • answer payer requests;
  • maintain spreadsheets.

Those are activities.

The mission is care.

Revenue is what allows the practice to continue delivering that care.

Billing is infrastructure.

The mistake is treating infrastructure as clerical trivia.


Here's My Contrarian Take

Your billing department should not be measured primarily by how busy it is.

That may sound obvious.

It isn't.

Healthcare has a strange tendency to reward activity.

More calls.

More notes.

More work queues.

More claims touched.

More denials appealed.

More staff.

More vendors.

More meetings about the meetings.

We can become incredibly efficient at doing unnecessary work.

That is not operational excellence.

That is organized exhaustion.

The real question is:

How much human intervention does it take to turn one legitimate clinical encounter into accurate, timely payment?

That is a much more interesting metric.

And a much more uncomfortable one.

Because if a clean claim requires six manual touches, three portals, two phone calls, one spreadsheet, and someone who knows the payer's secret handshake, the problem may not be that your billing staff is underperforming.

The problem may be that your system is.


The Numbers Are Becoming Difficult to Ignore

This is not merely a philosophical argument.

The administrative burden around healthcare is measurable.

The AMA's latest physician survey found that physicians complete an average of 40 prior authorizations each week, consuming approximately 13 hours of physician and staff time. Ninety-five percent reported that prior authorization delays necessary care, while 79% said authorization challenges can lead patients to abandon treatment. Twenty-six percent reported that prior authorization had contributed to a serious adverse event for a patient in their care.

Those numbers are about prior authorization, not medical billing specifically.

But they expose the larger problem:

Healthcare is spending enormous amounts of human intelligence navigating administrative friction.

And we should stop pretending that friction is free.

It isn't.

It comes out of:

  • physician time;
  • staff time;
  • patient access;
  • practice margins;
  • employee morale;
  • investment in technology;
  • clinical capacity.

And eventually, it comes out of the patient's experience.

The AMA reported this month that from 2001 through 2026, the cost of running a medical practice increased substantially faster than Medicare physician payment. The AMA says practice costs rose 63% over that period while Medicare physician payment rose only 10%, representing a 33% inflation-adjusted decline in physician payment.

That creates a brutal operating environment for independent practices.

Costs rise.

Payment pressure rises.

Administrative complexity rises.

And the physician is somehow expected to smile through all of it.

That is not a business model.

That is a stress test.


The Great Medical Billing Myth

There is a myth in healthcare that sounds reasonable:

“If you want your revenue cycle to perform, outsource it to experts.”

Sometimes that's exactly the right decision.

I'm not anti-outsourcing.

I'm anti-outsourcing without visibility.

There is a difference.

A good billing partner can bring expertise, staffing, scale, payer knowledge, and disciplined processes.

But outsourcing a process does not eliminate your responsibility for the outcome.

If a physician-owner cannot answer basic questions such as:

  • What percentage of our claims are rejected?
  • Why are they rejected?
  • How long do they sit before being corrected?
  • Which payers create the most friction?
  • What is our denial rate?
  • How much is sitting in A/R?
  • How old is that A/R?
  • What percentage of claims are being submitted cleanly?
  • Which codes generate recurring problems?
  • How much revenue is being written off?
  • What is actually collectible?

then the practice does not have a revenue-cycle strategy.

It has a revenue-cycle mystery.

And mystery is a terrible financial control system.


The Middleman Problem Is More Subtle Than It Looks

There is another provocative idea worth considering.

Physicians often say:

“I don't want a billing middleman.”

I understand the sentiment.

But the real problem isn't simply the existence of a middleman.

The real problem is the absence of transparent accountability between the work and the result.

A billing company can be valuable.

A clearinghouse can be valuable.

A coding specialist can be valuable.

A software platform can be valuable.

An AI system can be valuable.

The problem begins when every additional layer makes it harder for the practice owner to understand what happened.

Think about the difference between these two statements:

“Our billing company handles it.”

and:

“We submitted 4,812 claims last month. Ninety-six percent passed initial validation. The remaining 4% were categorized by root cause. We know which payer caused the most friction, which codes generated the most rework, and which claims remain unresolved.”

The second statement represents control.

The first represents delegation.

Delegation is not the same thing as control.


Jill Grandas Didn't Have a Perfect Workflow

This may be the most interesting part of the Kareena story.

Jill Grandas did not have a 27-page emergency organ transportation SOP waiting on her desk.

She didn't open a dashboard showing:

“National Airspace Shutdown — Exception Workflow #47.”

She had a problem.

She had a patient whose window was closing.

And she started calling people.

That is not an argument against technology.

It is an argument for technology that understands the mission rather than merely digitizing the paperwork.

Technology should not make a broken process prettier.

It should make the process better.

There is a difference.

A PDF uploaded to a portal is still a PDF.

A spreadsheet moved into the cloud is still a spreadsheet.

A manual billing workflow displayed on a dashboard is still manual.

Putting lipstick on administrative friction does not turn it into innovation.


What Physicians Should Actually Automate

The answer is not:

“Automate everything.”

That is another fashionable oversimplification.

The better question is:

What should humans decide, and what should machines reliably detect, route, reconcile, and execute?

Humans are good at:

  • clinical judgment;
  • exceptions;
  • relationships;
  • ambiguity;
  • ethical decisions;
  • complex payer disputes;
  • interpreting unusual circumstances.

Machines are good at:

  • pattern recognition;
  • repetitive validation;
  • checking consistency;
  • identifying missing information;
  • comparing large datasets;
  • routing work;
  • monitoring thresholds;
  • detecting anomalies;
  • producing alerts;
  • repetitive reconciliation.

The future of medical billing should not be:

humans versus AI.

It should be:

humans doing the work that requires humans.

That sounds simple.

Healthcare has somehow made it revolutionary.


The Seven-Step Billing Reset

If I were sitting down with a physician-owner tomorrow and we wanted to understand whether their revenue cycle was healthy, I would not start by asking which billing vendor they use.

I would start here.

Step 1: Follow One Claim

Take one real claim.

Follow it from:

appointment → registration → documentation → coding → claim creation → clearinghouse → payer → adjudication → payment → reconciliation.

Do not rely on someone's explanation.

Watch the actual journey.

You will probably find something interesting.

You may find three systems.

You may find five.

You may find a human manually moving information from one system to another.

You may discover that nobody actually owns a particular handoff.

That is valuable information.

Because you cannot improve what you cannot see.


Step 2: Build a Denial Taxonomy

Stop using “denials” as one giant bucket.

Separate them.

For example:

  • eligibility;
  • authorization;
  • coding;
  • modifier;
  • documentation;
  • medical necessity;
  • timely filing;
  • demographic;
  • payer policy;
  • duplicate;
  • coordination of benefits;
  • technical rejection.

Then ask the uncomfortable question:

Which denial category is predictable?

Predictable problems should not remain permanent problems.

If the same payer denies the same service for the same reason every month, you do not have a denial problem.

You have a process-design problem.


Step 3: Measure Rework

This is one of the most neglected metrics in healthcare.

How many claims require somebody to touch them more than once?

How many require:

  • correction;
  • resubmission;
  • phone calls;
  • documentation retrieval;
  • manual review;
  • payer portal intervention?

Revenue-cycle leaders often report collections.

Good.

But also measure rework.

Because rework is where margin goes to die quietly.


Step 4: Measure Time to Resolution

A denial that is resolved in two days is different from a denial that sits for 60 days.

Track:

Date denied → date resolved.

Then segment it.

By payer.

By reason.

By service.

By location.

By provider.

By staff member if appropriate.

Patterns will emerge.

And patterns create leverage.


Step 5: Separate Technology From Theater

Ask every vendor:

What manual work disappears?

Not:

“What does your dashboard look like?”

Not:

“How sophisticated is your AI?”

Not:

“How many integrations do you have?”

Ask:

What human steps disappear?

If the answer is unclear, keep asking.

Healthcare does not need more technology theater.

It needs measurable reductions in unnecessary work.


Step 6: Create an Exception Queue

Automation should not mean pretending every claim is identical.

It means the normal cases move normally.

The unusual cases get attention.

That is the principle behind an exception-based revenue cycle.

Instead of humans checking everything, humans investigate what the system identifies as unusual.

That is where AI can become genuinely useful.

Not because it sounds futuristic.

Because it changes the economics of attention.


Step 7: Put the Physician Back in the Control Room

Physicians should not be manually billing claims.

But they should understand their revenue cycle.

There is a difference.

You don't need to become a professional biller.

You need enough visibility to run your practice.

A physician-owner should know:

What happened to the work we performed?

That is not greed.

It is governance.


Three Experts. Three Lessons.

1. Willie Underwood III, MD, MSc, MPH: Stop Accepting Administrative Friction as Normal

The current AMA president has been unusually direct about the consequences of administrative barriers.

His recent message is simple: patients should not have to fight the healthcare system to receive necessary care. He also points to the enormous time burden created by prior authorization and argues that voluntary promises are insufficient without meaningful accountability.

The lesson for practice owners:

If a process repeatedly consumes physician and staff time without improving patient care or financial accuracy, it deserves scrutiny.

Not another meeting.

Scrutiny.

 

2. The AMA's Physician Survey: Measure the Hidden Tax

The latest data give us something more useful than anecdotes.

Forty prior authorizations per week.

Approximately 13 hours.

Ninety-five percent reporting delays.

Seventy-nine percent reporting treatment abandonment tied to authorization challenges.

Twenty-six percent reporting serious adverse events connected to prior authorization.

The lesson:

Administrative burden is not a soft issue.

It is an operational metric.

 

3. ONC: The Infrastructure Is Moving Toward More Interoperability

The federal health IT environment is also moving toward greater standardization and electronic exchange.

Recent federal work around electronic prior authorization and payer-provider data exchange points toward more structured interoperability rather than endless dependence on disconnected manual workflows.

The lesson:

The direction of travel is toward machine-readable healthcare administration.

That creates an opportunity.

But only if practices are willing to redesign workflows rather than simply connect another application to the existing mess.


Recent News: Healthcare Is Having an Administrative Reckoning

Three developments are worth watching.

Medicare payment pressure

The AMA's September 4 analysis of the proposed 2027 Medicare Physician Fee Schedule highlights ongoing payment pressures and policy changes physicians will need to understand.

Prior authorization reform

Congress is considering bipartisan reforms intended to reduce administrative burdens and improve transparency around Medicare Advantage prior authorization. The AMA continues to push for enforceable standards rather than voluntary commitments.

Denials are becoming a policy issue, not merely a billing issue

A recent AMA report highlighted federal findings that, in certain Medicare Advantage settings, some prior authorization denials were overturned at extremely high rates when appealed.

The larger signal is clear.

Administrative friction is moving from the back office into the center of healthcare policy.

Physicians should pay attention.


The Hidden Cost of “Normal”

Here is a thought that I wish more practice owners would write on a whiteboard:

Normal does not mean healthy.

A 30-day A/R cycle may be normal.

That doesn't mean it is good.

A certain percentage of denials may be normal.

That doesn't mean they are acceptable.

Manual eligibility verification may be normal.

That doesn't mean it should remain manual.

Billing staff spending hours navigating payer websites may be normal.

That doesn't mean the workflow is well designed.

Physicians have inherited thousands of operational habits from previous generations.

Some are necessary.

Some are simply historical artifacts.

The healthcare industry has an unfortunate habit of confusing legacy with wisdom.


What I Got Wrong

There is another reason I believe this conversation needs honesty.

Healthcare technology companies—including companies working on AI and revenue cycle management—can easily fall into the same trap they claim to solve.

I have seen the temptation firsthand.

Build more features.

Add more automation.

Add another dashboard.

Add another integration.

Talk about AI.

Talk about scale.

Talk about transformation.

Meanwhile, the physician is still asking:

“Why didn't this claim get paid?”

That is the failure.

Technology should be judged by outcomes, not vocabulary.

If AI cannot explain what it changed, why it changed it, and whether the change improved the process, then “AI-powered” may be little more than a marketing adjective.

That is not innovation.

That is branding.


The OnnX Perspective

This is where my own work comes into the conversation.

As a physician and medical technology consultant, I have spent time thinking about the gap between what healthcare technology promises and what medical practices actually experience.

That gap is enormous.

Physicians do not need another system that asks them to become software administrators.

They need infrastructure that reduces unnecessary friction.

That thinking is part of why I am building OnnX around an AI-powered approach to medical billing for small and medium-sized medical practices.

The philosophy is straightforward:

The practice should own the relationship with its revenue.

Technology should improve visibility.

Automation should reduce repetitive work.

AI should identify patterns and exceptions.

The physician-owner should not need to become a billing expert to understand what is happening.

And the goal should never be “replace everyone.”

The goal should be:

remove unnecessary work so the people who remain can do higher-value work.

That distinction matters.

Because the future of healthcare is not a world without humans.

It should be a world where humans are no longer wasting their best hours doing work machines can reliably handle.


Why Small Practices Have More to Lose

Large health systems can absorb inefficiency differently.

They have departments.

Analysts.

Compliance teams.

Revenue-cycle executives.

IT teams.

Legal departments.

Data teams.

Small practices do not have that luxury.

The physician may also be:

  • owner;
  • clinical leader;
  • employer;
  • recruiter;
  • negotiator;
  • compliance decision-maker;
  • technology buyer;
  • financial decision-maker.

And sometimes the physician is still expected to worry about why a claim was rejected because someone entered the wrong payer ID.

That is absurd.

Not because billing is unimportant.

Because physician attention is expensive.

Every hour a physician spends fighting administrative friction is an hour that could have been spent on patients, leadership, growth, teaching, innovation, or simply going home before dinner.


The Ethical Question

There is also an ethical dimension here.

When administrative systems become excessively complicated, the burden does not fall evenly.

Patients with time, money, education, transportation, digital access, and persistent advocates may navigate them better.

Patients without those resources may not.

The same is true inside medical practices.

A large organization may be able to absorb another administrative requirement.

A two-physician clinic may not.

So when we talk about administrative simplification, we are not merely talking about convenience.

We are talking about access.

If administrative friction makes certain practices economically unsustainable, patients may lose access to those physicians.

If physicians stop accepting certain insurance because reimbursement and administrative burden no longer make the practice viable, the patient experiences that as a shortage of access.

That is why revenue-cycle management is not merely finance.

It is healthcare infrastructure.


The Legal and Compliance Reality

Technology does not eliminate legal responsibility.

Neither does outsourcing.

Neither does AI.

Practices remain responsible for complying with applicable laws, payer contracts, coding rules, documentation requirements, privacy obligations, and other regulatory requirements.

Automation therefore needs controls.

You want:

  • auditability;
  • traceability;
  • role-based access;
  • appropriate documentation;
  • human review for high-risk exceptions;
  • clear escalation pathways;
  • monitoring;
  • validation;
  • appropriate security controls.

The worst possible AI billing system would be one that makes incorrect decisions faster and hides why it made them.

Speed without accountability is not innovation.

It is accelerated risk.


Five Questions Every Physician-Owner Should Ask a Billing Vendor

Before signing another agreement, ask:

1. Where exactly does my revenue go after the claim leaves my practice?

If nobody can explain the workflow clearly, that's a problem.

2. What percentage of claims require manual intervention?

Do not accept vague answers.

Ask for the definition.

3. What are my top five denial causes?

If your vendor cannot tell you, you do not have enough visibility.

4. How quickly do you identify a preventable pattern?

If the same denial appears for six months, why?

5. What work can you eliminate rather than merely outsource?

That is the most important question.

Because moving work from your employee to a vendor is not the same as eliminating the work.


Metrics That Actually Matter

A practice dashboard should not become a Christmas tree of meaningless KPIs.

Focus on a small number of useful measures.

Clean claim rate

How many claims pass initial submission without avoidable correction?

First-pass resolution

How many claims are resolved without additional intervention?

Denial rate

How often are claims denied?

Denial root cause

Why?

Days in A/R

How long does money remain outstanding?

A/R aging

How much is older than 30, 60, 90, or 120 days?

Rework rate

How many claims require repeated intervention?

Time to resolution

How quickly do exceptions get resolved?

Net collection performance

How much collectible revenue actually becomes cash?

And one metric I would add more often:

Human touches per claim.

Because if that number keeps falling while financial performance remains stable or improves, something important is happening.

The system is becoming smarter.


Myth Buster: Medical Billing Edition

Myth: “More billing staff automatically means better collections.”

Not necessarily.

More staff can compensate for bad processes.

It can also make bad processes more expensive.

Myth: “Outsourcing means I no longer need to understand billing.”

Wrong.

You don't need to perform billing.

You do need to understand the financial engine of your practice.

Myth: “AI means fully autonomous billing.”

Not necessarily.

Responsible automation should include validation, exception handling, oversight, and auditability.

Myth: “Every denial should be appealed.”

No.

Some denials are worth correcting.

Some are not.

The goal is not maximum activity.

It is maximum economic and clinical value.

Myth: “A dashboard means I have transparency.”

Only if the data are accurate, timely, understandable, and actionable.

A beautiful dashboard displaying bad information is still bad information.

Myth: “Healthcare is too complicated to simplify.”

Some of healthcare is genuinely complicated.

But complexity should be earned.

Every unnecessary step should be challenged.


Five Pitfalls to Avoid

1. Automating a broken process

First understand the workflow.

Then redesign it.

Then automate.

Not the other way around.

2. Measuring activity instead of outcomes

A busy billing team is not necessarily a successful billing team.

3. Treating every payer identically

Payer behavior differs.

Your data should reveal those differences.

4. Making AI decisions invisible

If nobody can explain why the system acted, you have created a governance problem.

5. Removing humans from exceptions

The goal should be to remove humans from repetitive work—not from judgment.


What the Kareena Story Really Teaches Us

The obvious lesson from the 9/11 liver story is courage.

There is another lesson that interests me more.

Systems are made of people.

When the usual system failed, people connected.

Jill Grandas called.

Someone answered.

Someone made another call.

Someone found a path through the airspace restrictions.

A military aircraft moved.

A transplant team prepared.

A surgeon waited.

A donor family gave.

A child lived.

The extraordinary outcome came from ordinary people coordinating extraordinarily well.

That is the part healthcare technology should preserve.

Not the heroics.

The coordination.

Imagine a medical practice where:

The appointment creates the appropriate administrative data.

Eligibility is verified.

Documentation is checked.

Coding is validated.

The claim is prepared.

Potential problems are identified before submission.

The payer response is monitored.

Exceptions are routed.

Denials are categorized.

Patterns are identified.

The practice owner can see the financial picture.

And humans intervene where judgment is actually necessary.

That doesn't sound revolutionary.

It sounds normal.

Exactly.

Maybe the revolution in healthcare is simply making the normal process work.


The Future Is Not “More AI”

This is another contrarian point.

I don't think the future belongs to companies with the most AI.

It belongs to companies that understand where AI actually creates leverage.

Healthcare has already accumulated enough software.

What it lacks is enough coherence.

The next generation of healthcare technology should therefore compete on:

  • fewer manual steps;
  • better interoperability;
  • clearer accountability;
  • faster exception detection;
  • better auditability;
  • lower administrative burden;
  • better financial visibility;
  • measurable outcomes.

The technology should become less noticeable.

That is often what good infrastructure does.

You don't celebrate electricity every morning.

You simply expect the lights to work.

Medical billing should eventually feel more like infrastructure and less like detective work.


A Different Definition of Innovation

For years, healthcare innovation has been associated with dramatic things:

Robotics.

Genomics.

Virtual reality.

Precision medicine.

Large language models.

Wearables.

Digital twins.

All fascinating.

But there is another kind of innovation.

Making an ordinary process dramatically less painful.

If an independent physician can spend less time chasing claims and more time practicing medicine, that is innovation.

If a medical biller can manage exceptions instead of manually inspecting every transaction, that is innovation.

If a practice owner can see exactly where revenue is getting stuck, that is innovation.

If a patient never notices that a complicated administrative problem was resolved before it affected them, that may be the best innovation of all.


What I Would Do If I Owned a Small Practice Today

I would not start by buying another tool.

I would start with an audit.

Monday

Pull the last 90 days of claims.

Tuesday

Categorize denials.

Wednesday

Identify the top five recurring causes.

Thursday

Calculate the human work required to resolve them.

Friday

Choose the three highest-value processes to redesign.

Then I would ask:

Can this be prevented?

If yes, prevent it.

Can this be automated?

If yes, automate it.

Can this be standardized?

If yes, standardize it.

Does this require human judgment?

If yes, route it to a human.

That simple framework can be more powerful than buying another platform because it starts with the problem rather than the product.


The Physician-Owner's New Job

Being a physician-owner used to be difficult enough.

Now the physician-owner increasingly needs to understand technology, operations, finance, workforce strategy, payer behavior, and regulatory change.

That does not mean physicians need to become MBAs.

It means physicians need to stop outsourcing understanding.

You can outsource execution.

You can outsource specialized expertise.

You can outsource technology infrastructure.

But you cannot outsource accountability for the business you own.

At least not if you want to remain independent.


The Question I Would Ask the Industry

Here is my challenge to the medical billing industry:

If AI is becoming dramatically better at processing information, why are so many healthcare organizations still organized around humans manually moving information from one system to another?

And to physician-owners:

Why are you paying people to compensate for processes that technology should be preventing?

And to technology companies:

Can you prove that your product removes work, rather than simply relocating it?

And to myself:

Can I build something that actually answers those questions?

That is the standard I believe healthcare technology should face.


Practical Resources

For physicians and practice owners who want to go deeper, three resources are especially relevant right now.

American Medical Association — Prior Authorization and Practice Management

The AMA continues to publish physician-focused research and operational guidance around prior authorization, payment, revenue cycle, and administrative burden.

Explore AMA practice-management resources

American Medical Association — 2027 Proposed Medicare Physician Fee Schedule

The AMA's September 2026 analysis explains important provisions in the proposed 2027 Medicare physician payment rule.

Read the AMA Medicare payment analysis

Office of the National Coordinator for Health IT

ONC resources are useful for practices and technology leaders following the transition toward more standardized electronic health information exchange and administrative interoperability.

Explore ONC health IT resources


Tools Worth Having

You don't need 27 applications.

You need the right visibility.

At minimum:

A practice-management system for core operational and financial data.

A clearinghouse for claim transmission and electronic transactions.

An eligibility workflow that reduces manual verification.

A denial-management process with root-cause classification.

A dashboard that exposes A/R, denials, payment trends, and exceptions.

An audit trail for automated decisions.

An AI layer, where appropriate, to identify patterns and reduce repetitive work.

The architecture matters less than the result.

The question is always:

Does this make the practice easier to run?


The Most Important Metric May Be Attention

We talk about revenue.

We talk about collections.

We talk about denial rates.

We talk about productivity.

But I think healthcare needs another metric:

attention.

How much physician attention does the administrative system consume?

How much staff attention?

How much patient attention?

How much management attention?

Because attention is finite.

A physician has only so many hours.

A practice manager has only so many hours.

A biller has only so many hours.

The objective should not be to squeeze more work into those hours.

It should be to eliminate work that never needed to happen.

That is a very different philosophy.


The Beautiful Irony of the 9/11 Liver Story

There is something almost ironic about this story.

In one of the most technologically and operationally sophisticated countries on Earth, a lifesaving medical mission ultimately depended on a nurse making a phone call.

Not an app.

Not an AI model.

Not a dashboard.

A phone call.

And yet that should not lead us to conclude that technology is overrated.

It should lead us to ask a better question:

Why did the human being have to carry so much of the coordination burden?

Today we have technologies capable of analyzing millions of transactions.

We can predict patterns.

We can automate workflows.

We can exchange structured data.

We can build intelligent systems.

So why are people still spending hours chasing information that machines could organize?

Because healthcare technology has often digitized the surface of the workflow without redesigning the system underneath it.

That is the opportunity.


One Last Thought About Kareena

Kareena was six months old when her life depended on a chain of strangers refusing to accept that the normal route was impossible.

She is now 25.

She is studying law.

She is thinking about health policy.

That is what a successful healthcare system is ultimately supposed to produce.

Not more claims.

Not more dashboards.

Not more billing reports.

More tomorrows.

Every claim is attached to a clinical encounter.

Every payment supports a practice.

Every functioning practice supports patients.

And every unnecessary administrative burden takes something away from that chain.

Sometimes money.

Sometimes time.

Sometimes morale.

Sometimes access.

Sometimes trust.

The industry has spent years asking how to collect more money from healthcare.

Maybe the better question is:

How do we remove the friction that prevents healthcare from functioning the way it should?

That is a harder question.

But it is the right one.


Get Involved

I want to leave physician-owners, practice administrators, medical billers, healthcare operators, and technology leaders with one uncomfortable question:

If you could eliminate one unnecessary step from the medical billing process tomorrow, what would it be?

Not add.

Not optimize.

Not automate.

Eliminate.

Tell me in the comments.

I am especially interested in hearing from physicians and practice administrators who are still dealing with manual workflows, recurring denials, payer friction, fragmented systems, or poor visibility into their revenue cycle.

And if you know a physician-owner who needs to see this conversation, share or repost this article with them.

The healthcare system does not need another conversation about how complicated healthcare is.

It needs more conversations about what we are willing to stop accepting.


Final Thoughts

Stop measuring how hard your team works. Start measuring how much unnecessary work your system creates.

Stop treating administrative friction as the price of practicing medicine. Challenge it.

Build healthcare technology that gives physicians back something more valuable than money: attention.


About the Author

Dr. Daniel Cham is a physician and medical consultant with experience spanning medical technology consulting, healthcare management, and medical billing. His work focuses on practical insights at the intersection of healthcare, technology, medical practice, and the operational realities physicians face every day.

He is also the founder of OnnX, an AI-powered medical billing technology company focused on helping small and medium-sized medical practices improve billing operations, reduce unnecessary administrative friction, and gain greater visibility into their revenue cycle.

Connect with Dr. Daniel Cham on LinkedIn


Disclaimer

This article is provided for educational and informational purposes only. It is not legal, medical, coding, compliance, accounting, tax, or financial advice. Healthcare organizations should evaluate their individual circumstances and consult appropriately qualified legal, compliance, coding, financial, clinical, and technology professionals before making operational or technology decisions.


Continue the Conversation

Healthcare changes when knowledge moves.

Visit Dr. Cham's website

Listen to the podcast on Spotify

Watch on YouTube

Follow Dr. Cham on X

Follow Dr. Cham on Facebook

Knowledge drives progress. Start your journey here.

A free resource is also available through the LinkedIn Featured section. No signup required.

If this article challenged something you have accepted as “normal,” repost it and start the conversation.

#MedicalBilling #RevenueCycleManagement #HealthcareAI #PhysicianEntrepreneur #MedicalPractice #HealthcareTechnology #RCM #IndependentPractice #PhysicianLeadership #HealthTech #MedicalCoding #PracticeManagement #HealthcareInnovation #AIinHealthcare #OnnX

 

 

Lois Bockmann Was a Nurse. Healthcare Still Missed What She Was Trying to Say.

One nurse's journey through misread signals, severe aortic stenosis and an unexpected pancreatic tumor exposes a deeper problem in moder...