Monday, September 14, 2026

Skylar Black Wasn't a Claim, a Code, or a Number

A three-year-old girl's story exposes an uncomfortable truth: healthcare has become remarkably good at recording patients while surprisingly bad at connecting the information that follows them.



“AI won't replace doctors — it will work alongside them.”John Whyte, MD, MPH, CEO of the American Medical Association

 

That idea is worth sitting with.

Because the future of healthcare should not be about making medicine less human.

It should be about using technology to remove the work that never required a human being in the first place.

And that distinction becomes much clearer when we look at one little girl.

On October 6, 2025, Tabitha Black lost her three-and-a-half-year-old daughter, Skylar Black, after a two-and-a-half-year battle with childhood cancer.

Her grandfather, Galen Stewart, described Skylar as “the light of our world.”

The story was reported this week by WAFF in Huntsville, Alabama, as Skylar's family turned their grief into advocacy during Childhood Cancer Awareness Month.

Skylar endured an extraordinary amount of treatment.

Chemotherapy.

Radiation.

Major surgeries.

Repeated sedation.

A stem-cell harvest.

A permanent chest tube.

Oxygen.

More medical appointments than most adults could imagine.

But those aren't the details that make the story stay with you.

Skylar wore a duck costume to chemotherapy.

She helped nurses access her port.

And when she heard another child crying, she would go comfort them.

Because she was immunocompromised, ordinary childhood experiences could become dangerous.

The clinic became part of her world.

The children there became her friends.

Think about that.

A place many adults associate with needles, waiting rooms, bad news and uncomfortable chairs became part hospital and part childhood for a little girl.

And that is where Skylar's story becomes bigger than childhood cancer.

Because healthcare has a peculiar habit.

We are very good at documenting what happened to a patient while sometimes losing the patient inside the documentation.

Diagnosis.

Procedure.

Medication.

Authorization.

Encounter.

Note.

Code.

Claim.

Payment.

Denial.

Appeal.

Each item may be correct.

And yet the collection can still fail to tell one coherent story.

Skylar wasn't a diagnosis.

She wasn't a claim.

She wasn't a billing code.

She was a daughter.

A granddaughter.

A friend.

A little girl in a duck costume trying to make another child feel better.

So here's the question I want physicians and clinic owners to consider:

When your healthcare system records a patient, does it actually remember the patient's journey—or does it simply remember the transactions generated by that journey?

Because those are not the same thing.

And that difference may explain more about healthcare's operational problems than we have been willing to admit.


The Patient Has One Story. Your Software Has Twelve.

Patients don't experience healthcare in modules.

Nobody wakes up thinking:

“Today I will interact with the eligibility subsystem.”

Nobody says:

“After lunch, I expect to encounter the authorization workflow.”

And no patient has ever happily announced:

“Excellent. My claim has entered the clearinghouse.”

Patients think:

I need help.

That's it.

Meanwhile, the healthcare organization starts opening tabs.

Scheduling.

Registration.

Eligibility.

Referral.

Authorization.

EHR.

Documentation.

Coding.

Clearinghouse.

Claim.

Payer portal.

Payment.

Denial.

Appeal.

Spreadsheet.

Email.

Phone call.

Another phone call.

And somewhere in the middle is usually a person named Susan who knows what happened.

Susan is extremely important.

Susan also has vacation days.

This is one of the hidden risks in healthcare operations:

Institutional knowledge often lives inside people instead of systems.

When Susan leaves, everyone discovers how much software they supposedly had.


We Didn't Build Healthcare Around the Patient. We Built It Around Transactions.

That may sound harsh.

But look at the structure.

A patient enters.

Information is captured.

That information is copied.

Then translated.

Then coded.

Then submitted.

Then interpreted.

Then paid.

Or denied.

Then somebody investigates why.

We call this a revenue cycle.

The patient calls it:

Tuesday.

The healthcare industry sees transactions.

The patient experiences a journey.

That distinction matters.

Because every time the journey is broken into disconnected transactions, somebody eventually has to reconstruct it.

And reconstruction is expensive.

Sometimes financially.

Sometimes operationally.

Sometimes emotionally.


Here's My Contrarian Take

Healthcare doesn't have a data shortage.

It has a data continuity problem.

We have enormous amounts of information.

What we often lack is the ability to answer five simple questions:

What happened?

When did it happen?

Why did it happen?

Who knew?

What happens next?

That sounds almost embarrassingly simple.

Which is probably why it gets overlooked.

Healthcare loves complexity.

Complexity sounds sophisticated.

Sometimes complexity is simply poor organization wearing a suit.


The Denial Isn't Always the Problem

This is where I disagree with a lot of traditional revenue-cycle thinking.

We tend to focus on the denial.

How many?

How fast can we resolve them?

How much can we recover?

What is the denial rate?

Important questions.

But they can also lead us into a trap.

Because a denial is often where the problem becomes visible—not where it began.

Maybe eligibility was wrong.

Maybe authorization was missed.

Maybe a referral wasn't complete.

Maybe documentation didn't support the eventual claim.

Maybe information changed.

Maybe the payer made a questionable determination.

Maybe the practice made an error.

Maybe nobody knows.

Those are completely different situations.

Yet they can all end up as:

DENIED.

That's like diagnosing a patient with “fever.”

Technically accurate.

Clinically inadequate.


Stop Celebrating Faster Failure Recovery

This may be unpopular.

But I don't think the ultimate goal of revenue-cycle technology should be:

“Let's become really fast at fixing things after they break.”

Imagine a restaurant where 20% of the meals are routinely burned.

Management proudly announces:

“We hired a faster waiter to handle customer complaints.”

The waiter deserves a raise.

The kitchen needs an investigation.

Healthcare sometimes does the opposite.

We build:

A denial queue.

An escalation queue.

A work queue.

A dashboard.

A tracking spreadsheet.

A task list.

A reminder.

A second reminder.

Then we measure how quickly people move through the queues.

Wonderful.

We have become extremely efficient at cleaning up messes.

But who is studying the kitchen?


The Most Expensive Word in Healthcare May Be “Later”

Eligibility problem?

We'll find out later.

Authorization issue?

We'll deal with it later.

Documentation problem?

Billing will catch it later.

Claim problem?

The payer will tell us later.

Denial?

We'll work it later.

Appeal?

Later.

Follow-up?

Later.

Eventually, later becomes expensive.

The earlier a problem is detected, the cheaper it usually is to correct.

That is not uniquely a healthcare principle.

It is common sense.

Yet healthcare frequently discovers problems at the most expensive point in the workflow.

Why?

Because that's where the system finally has enough information to notice them.

That's backwards.


What If the System Knew Sooner?

Imagine a practice where the system could connect:

Patient.

Insurance.

Eligibility.

Referral.

Authorization.

Encounter.

Documentation.

Coding.

Claim.

Payer.

Payment.

Exception.

Resolution.

Not merely store them.

Connect them.

Now imagine the system noticing:

“This authorization requirement may create a problem.”

Before the appointment.

Not after the claim.

Or:

“This information conflicts with what was previously captured.”

Before submission.

Not after denial.

Or:

“This claim resembles a previous exception.”

Before somebody spends 45 minutes researching it.

That's a different philosophy.

It's not:

How quickly can we clean up the mess?

It's:

How early can we see the mess forming?


That Is Where AI Gets Interesting

Healthcare AI has become obsessed with intelligence.

Can it write?

Can it summarize?

Can it code?

Can it predict?

Can it answer?

Those capabilities matter.

But I think we are asking the wrong question.

The better question is:

Can AI understand what needs to happen next?

Healthcare isn't just an information business.

It is a coordination business.

Someone has to do something.

At the right time.

With the right information.

For the right patient.

And somebody needs to know whether it happened.

That's workflow.

That's state.

That's ownership.

That's accountability.

And that's where AI becomes much more interesting than a chatbot.


The Future of Healthcare AI Might Be Boring

I actually hope it is.

The most valuable AI in a clinic might never generate a viral demo.

It might simply prevent:

One missed authorization.

One eligibility surprise.

One unnecessary phone call.

One duplicate entry.

One preventable denial.

One forgotten follow-up.

One hour of physician administrative work.

Nobody will clap.

There will be no dramatic music.

No robot walking into the exam room.

No humanoid announcing:

“Doctor, I have analyzed your dashboard.”

The claim will simply get paid.

And honestly?

That's pretty impressive.


Physicians Don't Need Another Dashboard

This is another hill I'm willing to stand on.

Healthcare has enough dashboards.

We have dashboards about dashboards.

If another screen appears asking physicians to monitor the dashboard that monitors the dashboard, someone should probably call a meeting.

Actually, don't.

That's how we got here.

The goal shouldn't be more visibility for its own sake.

The goal should be:

Useful visibility at the moment a decision matters.

A physician doesn't need to know everything.

A practice manager doesn't need to know everything.

A biller doesn't need to know everything.

They need to know what matters now.


Physician Time Is Not Free

Recent AMA data reinforces something physicians already know from experience: the workday doesn't end when the patient schedule ends. Physicians reported substantial weekly hours devoted to indirect patient care and administrative work, alongside continued burnout concerns.

And prior authorization is an especially obvious example.

Recent physician survey data reported by healthcare organizations based on AMA research shows that practices handle roughly 39–40 prior authorization requests per physician per week, with about 13 hours of physician and staff time devoted to the process.

Let's translate that.

Thirteen hours isn't “administrative overhead.”

It's thirteen hours.

It is payroll.

It is physician attention.

It is staff capacity.

It is delayed work.

It is patient frustration.

It is opportunity cost.

And it is time that cannot be recovered by telling a physician to “work smarter.”

At some point, the system needs to stop asking the human to absorb the inefficiency.


Don't Blame the Biller

This is important.

When a process is broken, the person closest to the problem often becomes the person blamed for the problem.

That's backwards.

Your biller didn't create the payer ecosystem.

Your biller didn't design the EHR.

Your biller didn't create fragmented data.

Your biller didn't decide that five systems should each contain a different version of the same patient.

And your biller shouldn't have to become a human search engine.

Experienced billing professionals are valuable precisely because they know how to navigate complexity.

The opportunity is to stop wasting that expertise on work a system should handle.


Don't Fire Your Biller. Change the Job.

Good automation should move humans toward higher-value work.

Less:

Searching.

Copying.

Re-entering.

Reconciling.

Chasing.

Remembering.

More:

Judgment.

Exceptions.

Analysis.

Patient communication.

Payer strategy.

Quality control.

Process improvement.

Training.

The goal isn't:

Human versus AI.

The goal is:

Human judgment plus machine consistency.


A More Useful Definition of Automation

Here's my definition:

Automation is successful when the organization no longer needs a human to repeatedly perform a low-value step.

Not:

“An AI generated something.”

Not:

“We added a chatbot.”

Not:

“We have a new dashboard.”

The question is:

Did the work disappear?

That's the test.


The Skylar Test

Now return to Skylar.

Imagine trying to reconstruct her healthcare journey.

Could you answer:

What happened?

When?

Why?

Who knew?

What was waiting?

What was missing?

Who owned the next step?

What changed?

What was communicated?

What happened afterward?

If the answer is:

“Probably. We'd have to check the EHR, billing system, email, payer portal, authorization system and ask a few people.”

Then you don't have one connected patient journey.

You have fragments.

And fragments create work.

Skylar's story reminds us why that matters.

Because behind every fragmented record is a person whose life is not fragmented.


The Data Is Not the Patient

This distinction sounds philosophical.

It isn't.

A diagnosis is data.

A claim is data.

An authorization is data.

A denial is data.

A clinical note is data.

But none of those things is the patient.

They are representations of the patient's experience.

The danger comes when the representation becomes more visible than the person.

Healthcare starts optimizing:

The claim.

The code.

The metric.

The queue.

The dashboard.

The productivity number.

And eventually someone asks:

How did we improve the metric while making the experience worse?

That's not a technology failure.

That's a measurement failure.


The Metric Problem

Healthcare loves measurable things.

That's understandable.

But measurable doesn't automatically mean meaningful.

Claims processed?

Easy.

Tasks completed?

Easy.

Messages answered?

Easy.

Denials resolved?

Easy.

But ask:

How much unnecessary work did we prevent?

Suddenly things become more interesting.

I would rather know:

How many exceptions never happened?

That is a harder metric.

It is also potentially more valuable.


The Metric I Want More Practices to Track

Preventable Exception Rate

Take the problems that required human intervention.

Then ask:

How many could reasonably have been prevented upstream?

Classify them.

Preventable.

Probably preventable.

Payer-driven.

Unknown.

Then track the percentage.

Because there is a huge difference between:

“We resolved 500 problems.”

and:

“We prevented 200 problems from being created.”

The first measures recovery.

The second measures system improvement.


Healthcare's Favorite Workaround

You know the one.

A spreadsheet.

Every organization has one.

Somewhere there is an Excel file named:

FINAL.xlsx

Then:

FINAL2.xlsx

Then:

FINAL_NEW.xlsx

Then:

FINAL_NEW_USE_THIS_ONE.xlsx

Then someone emails:

“Please don't edit the original.”

That spreadsheet is not the problem.

The spreadsheet is evidence.

It is a tiny protest against a system that doesn't quite work.

Employees create workarounds because they are trying to get the job done.

Instead of asking:

“Why is Susan using a spreadsheet?”

Ask:

“What unmet need is Susan solving with that spreadsheet?”

That question can reveal your real product requirement.


Start With the Work, Not the Software

If you're a physician-owner, don't begin with:

“What AI should we buy?”

Start with:

Where are we losing time?

Then:

Where are we losing information?

Then:

Where are we discovering problems too late?

Then:

Where does one person have to remember something the system should remember?

Then:

Where are we doing the same thing twice?

Those questions are far more valuable than starting with a vendor demo.


A 30-Day Practice Experiment

Days 1–5: Follow One Patient

Pick a common patient journey.

Follow it from scheduling through payment.

Watch the actual process.

Don't rely on the policy manual.

Reality is usually more creative.

Document every handoff.


Days 6–10: Count the Systems

How many systems does the patient journey touch?

EHR.

Scheduling.

Eligibility.

Payer portal.

Authorization.

Clearinghouse.

Billing.

Payment.

Email.

Spreadsheet.

Count them.

Then ask:

Why?


Days 11–15: Follow 25 Problems Backward

Take 25 denials, delays or exceptions.

Don't start at the denial.

Start at the beginning.

Trace backward.

Where did the problem actually begin?

You may discover the billing department is where the problem became visible—not where it originated.


Days 16–20: Identify Preventable Work

Label every problem:

Preventable.

Possibly preventable.

Payer-driven.

Unknown.

This alone can expose patterns.


Days 21–25: Assign Ownership

Every important exception should have:

An owner.

A next action.

A deadline.

A dependency.

An escalation path.

If nobody owns the next step, the workflow owns nobody.

That's not a workflow.

That's a hope.


Days 26–30: Measure Again

Track:

Clean-claim rate

First-pass acceptance

Denial rate

Days in A/R

Manual touches

Exception-resolution time

Preventable exception rate

Staff hours spent on rework

Don't create another 40-metric dashboard.

Nobody needs that.

Pick the metrics that explain the economics and the patient experience.


What OnnX Is Trying to Change

This is the thinking behind OnnX.

The core belief is simple:

Healthcare billing is often treated as a downstream billing problem when much of the opportunity exists upstream.

The objective isn't another dashboard.

It isn't another chatbot.

It isn't another system that gives staff one more place to look.

The larger opportunity is to connect the events that already happen:

Patient → Insurance → Eligibility → Referral → Authorization → Encounter → Documentation → Coding → Claim → Payer → Payment → Exception → Resolution → Feedback

The patient experiences one journey.

The organization should be able to understand one journey.

That's the idea.

Not magic.

Not perfect prediction.

Connected context.


The OnnX Thesis

Most of the problem starts upstream.

If information is incomplete upstream, somebody downstream eventually pays for it.

Sometimes the payer.

Sometimes the practice.

Sometimes the physician.

Sometimes the staff.

Sometimes the patient.

And sometimes everybody.

So instead of asking:

“How do we fix the denial?”

Ask:

“How could we have known sooner?”

That is a much more interesting question.

It shifts the conversation from recovery to prevention.

From transactions to relationships.

From documentation to context.

From reactive work to intelligent orchestration.

From:

Data → Work → Problem

toward:

Data → Context → Decision → Action → Outcome


The AI Test for Healthcare

Before buying another AI product, ask seven questions.

1. What does it actually know?

Not what the marketing page says.

What data does it really receive?

2. Does it understand sequence?

Healthcare events have order.

Context without sequence can be misleading.

3. Can it explain itself?

If the system recommends something important, can people understand why?

4. What happens when it is wrong?

Every system will be wrong sometimes.

The question is whether failure is visible and manageable.

5. Who owns the decision?

AI should not become an accountability escape hatch.

6. Can the organization reconstruct what happened?

Auditability matters.

Especially when money, compliance or patient care is involved.

7. Does it remove work?

This is the big one.

If AI creates another queue, another dashboard and another login, congratulations.

You may have automated the creation of more work.


The Legal Question Nobody Should Skip

AI doesn't magically transfer responsibility.

If a system touches protected health information, healthcare organizations still need appropriate privacy, security and contractual safeguards.

Depending on the application, that can involve:

HIPAA.

Business associate agreements.

Access controls.

Audit logs.

Data minimization.

Security monitoring.

Vendor oversight.

Retention policies.

Incident response.

And if AI participates in a consequential workflow, organizations should know:

What information it uses.

What it is allowed to do.

What it cannot do.

How confidence is handled.

When a human reviews the result.

How an error is corrected.

“Because the AI said so” is not a governance model.


The Ethical Question Is Bigger

Healthcare leaders should also ask:

What are we optimizing for?

Speed?

Revenue?

Staff productivity?

Patient access?

Clinical quality?

Convenience?

Sometimes those objectives align.

Sometimes they don't.

An efficient system can still produce a bad experience.

A fast authorization can still be wrong.

A perfectly optimized claim can still represent poor care.

Technology should reduce unnecessary friction without reducing human judgment.

Efficiency is not the same thing as humanity.


The Real AI Debate Isn't Human Versus Machine

That debate is already becoming boring.

The better question is:

What should humans stop doing?

Physicians should spend more time exercising judgment.

Nurses should spend more time caring.

Staff should spend more time solving real problems.

Billers should spend more time on complex exceptions.

Practice owners should spend more time making decisions.

Machines are very good at repetitive pattern recognition.

Machines are very good at monitoring.

Machines are very good at routing.

Machines are very good at remembering.

Humans are very good at context, judgment, relationships and responsibility.

The opportunity is obvious.

Automate the friction surrounding humanity.

Don't automate humanity itself.


What Healthcare Leaders Should Stop Saying

“That's just how insurance works.”

Maybe.

But which part?

Payer policy?

Practice workflow?

Bad information?

Missing documentation?

Unclear ownership?

Don't use “insurance” as a universal explanation.


“Our biller catches it.”

Maybe.

But why does the biller have to catch it?

The question isn't whether Susan can fix it.

The question is whether Susan should have to.


“We have all the data.”

Great.

Now answer:

Can you connect it?


“We just need better AI.”

Maybe.

Or maybe you need a better workflow.

AI cannot fix a process nobody understands.


The Healthcare Innovation Trap

There is a strange phenomenon in healthcare technology.

We build software to solve a problem.

The software creates a new workflow.

The workflow creates new tasks.

The tasks create new notifications.

The notifications create alert fatigue.

Then someone builds AI to summarize the alerts.

Eventually we need AI to explain the AI.

At some point, perhaps we should stop and ask:

What if we simply removed the original problem?

That is not anti-technology.

It is pro-design.


The Best Technology May Be the Technology Nobody Notices

Imagine a practice where:

An authorization problem is identified before the appointment.

An eligibility conflict is caught before the claim.

A missing piece of information is surfaced before submission.

A likely exception is routed to the right person.

A staff member knows what needs attention without searching five systems.

A physician doesn't discover an administrative problem three days later.

A patient doesn't have to explain the same situation four times.

Nobody calls it revolutionary.

That's okay.

Healthcare doesn't need more impressive technology.

It needs more technology that quietly works.


Why Skylar Belongs at the Center of This Conversation

Skylar's story is not a metaphor for billing.

It shouldn't be turned into one.

Her story belongs here for a different reason.

It reminds us of the thing every healthcare system is supposed to protect:

the person behind the information.

Skylar's medical record could contain thousands of pieces of information.

But none of them alone explains who she was.

Her mother, Tabitha Black, knew her differently.

Her grandfather, Galen Stewart, knew her differently.

The nurses knew her differently.

The children around her knew her differently.

They knew the little girl.

The systems knew the data.

Healthcare needs both.

But the data must serve the person.

Never the other way around.


The Most Important Question Isn't “Can AI Do It?”

That's the question everybody asks.

Can AI code?

Can AI document?

Can AI authorize?

Can AI predict?

Can AI answer?

I think there is a better question:

Should a human have to do this at all?

If the answer is no, automate it.

If the answer is yes, make the human's job easier.

If the answer is unclear, investigate.

That's a much healthier AI strategy.


The Future of Healthcare Will Be Won Upstream

I believe the next major opportunity in healthcare operations won't come from building a better cleanup crew.

It will come from preventing the mess.

Better information at capture.

Better connections between events.

Better understanding of workflow state.

Better ownership.

Better timing.

Better feedback.

The goal is not merely:

Fix the denial.

It is:

Understand why the denial happened.

Then:

Prevent the next one.

That's how systems learn.


Five Questions Every Practice Owner Should Ask This Month

1. Where are we repeatedly doing the same work?

Repetition is a signal.

2. Where do we discover problems too late?

Late discovery is expensive.

3. Where does one employee carry knowledge that the system should carry?

That is institutional risk.

4. Which exceptions could have been prevented?

That's where improvement begins.

5. What does the patient experience while all of this is happening?

Because operational efficiency that creates patient frustration isn't really efficiency.

It's just shifting the cost.


What If Healthcare's Biggest Problem Is Not Documentation?

Here's another uncomfortable thought.

We often blame documentation.

Too much documentation.

Too little documentation.

Wrong documentation.

Incomplete documentation.

Poor documentation.

And yes, documentation matters.

But perhaps documentation is sometimes just the most visible symptom.

The deeper problem may be that healthcare is not operating as a real-time connected system.

The patient has an encounter today.

Documentation may happen later.

Coding may happen later.

Claims may be submitted later.

The payer may respond later.

The denial may arrive weeks later.

Then someone tries to reconstruct what happened.

That's not a data problem alone.

It's a feedback-loop problem.

The system learns too slowly.


Healthcare Should Learn While the Work Is Happening

Imagine a system that doesn't wait for the denial to teach you.

It learns from:

Eligibility.

Authorization.

Documentation.

Coding.

Claims.

Payments.

Denials.

Appeals.

Resolutions.

Then feeds those lessons upstream.

That creates a loop.

Capture → Detect → Decide → Act → Measure → Learn → Improve

That's much closer to how modern intelligent systems should work.

Not:

Work → Wait → Denial → Panic → Spreadsheet

Although, to be fair, the second system has had an impressive run.


Proof Doesn't Have to Mean a Perfect AI Model

Healthcare leaders should also rethink what “AI accuracy” means.

A model can be statistically accurate and operationally useless.

What matters is whether the organization can understand:

What the system saw.

What it inferred.

What it recommended.

What happened next.

Whether the recommendation was correct.

What changed.

That is reconstructability.

And I think reconstructability will become increasingly important as AI moves deeper into healthcare operations.

Because when something goes wrong, “the model predicted it” isn't an explanation.


A Better Healthcare AI Scorecard

Don't ask only:

How accurate is it?

Ask:

How much work did it eliminate?

How early did it detect the problem?

How often did humans override it?

Why did humans override it?

How many preventable exceptions disappeared?

Did staff trust it?

Could the organization audit it?

Did the patient experience improve?

Those questions measure whether AI is actually improving the system.


Final Thoughts: Stop Building Faster Band-Aids

Skylar Black's story began with something no healthcare dashboard can fully represent.

A little girl.

A mother.

A grandfather.

A family.

A community.

A child who, despite everything she was going through, still found the instinct to comfort another child.

Her family is now turning grief into purpose and asking people not to look away from children still fighting cancer.

That message applies beyond childhood cancer.

Healthcare leaders should not look away from the things their organizations have quietly normalized.

The spreadsheet.

The duplicate entry.

The forgotten authorization.

The recurring denial.

The mysterious payer portal.

The physician doing administrative work at night.

The employee who knows everything because the software knows almost nothing.

Those are not just inconveniences.

They are clues.

They tell us where the system is compensating for itself.

And perhaps that is the real opportunity.

Not to build another layer on top of healthcare's complexity.

But to remove some of the complexity underneath it.


The Question I Want You to Answer

Think about your practice.

What is the administrative problem everyone has accepted as normal?

Not the biggest problem.

Not the most expensive problem.

The one everyone simply shrugs at and says:

“That's just how we do it.”

Maybe it's a spreadsheet.

Maybe it's a payer portal.

Maybe it's an authorization.

Maybe it's a recurring denial.

Maybe it's a staff member who has become the unofficial operating system.

Maybe it's you.

Now ask:

What would happen if we stopped accepting it?

Not:

“What software should we buy?”

Not:

“Can AI fix it?”

First ask:

Why does this problem exist?

That's where the interesting work begins.


Three Things I Hope You Remember

The patient has one story. Your systems should be able to connect it.

The denial is often where the problem becomes visible—not where it began.

The best healthcare technology doesn't replace human connection. It creates more room for it.


Get Involved

I want to hear from physicians, clinic owners, practice managers, billers and healthcare operators.

What is the strangest workaround your practice has accepted as normal?

Tell me in the comments.

If you've discovered a way to eliminate one of these problems, share it.

If your practice is still fighting one, share that too.

Because there is a good chance your “unique” problem isn't unique at all.

Comment with the workaround.

Challenge the assumption.

Repost this for someone who needs to see it.

Healthcare improves when people stop quietly compensating for broken systems and start asking better questions.


Continue the Conversation

Healthcare innovation should be practical.

It should make work clearer.

It should reduce unnecessary friction.

And it should give physicians, staff and patients more room to focus on what matters.

For more perspectives on healthcare operations, medical billing, medical technology, practice management and intelligent automation, continue the conversation through Dr. Cham's online channels.

Dr. Daniel Cham's website

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Knowledge creates possibility. Applied knowledge creates progress.

Start with one question.

Challenge one assumption.

Improve one workflow.

Then share what you learn.


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And tell me what you discover.


About the Author

Dr. Daniel Cham is a physician, medical consultant and healthcare technology entrepreneur with experience spanning medical practice, healthcare management, medical technology and medical billing.

His work focuses on the practical intersection of healthcare operations, medical billing, data, workflow and intelligent automation.

As founder of OnnX, he explores how healthcare organizations can move from fragmented, reactive processes toward more connected and predictable systems.

His perspective comes from seeing healthcare from multiple sides: as a physician, as a practice operator and as a technology entrepreneur.

The question behind much of his work is simple:

Can healthcare technology make the system easier for humans to operate without making healthcare less human?

Connect with Dr. Cham on LinkedIn:
Dr. Daniel Cham on LinkedIn


Disclaimer

This article is provided for general educational and informational purposes only. It does not constitute medical, legal, financial, compliance or other professional advice.

Healthcare organizations should consult appropriately qualified professionals regarding their individual clinical, legal, regulatory, privacy, security, payer and operational circumstances.


References and Further Reading

1. WAFF — “They don't deserve for us to look away”: Family honors three-year-old for Childhood Cancer Awareness Month

The September 14, 2026 report by Sarah Grace Kennedy tells the story of Skylar Black, her mother Tabitha Black, grandfather Galen Stewart, and the family's effort to turn grief into advocacy for children with cancer.

2. STAT — AMA CEO John Whyte on AI and the future of medicine

A current September 2026 perspective from AMA CEO John Whyte, MD, MPH, examining the distinction between automating medical tasks and automating medicine itself.

3. American Medical Association — Physician workload, technology and administrative burden

AMA research documents the continuing amount of physician time devoted to indirect clinical and administrative work and the need to make technology an asset rather than another burden.

4. American Medical Association / 2026 prior-authorization research

Recent 2026 reporting on physician prior-authorization burden highlights the significant amount of time practices spend managing authorization requirements and the continuing effect on physician and staff workload.


One Last Thought

Skylar's family is asking people not to look away.

Maybe healthcare leaders should take that seriously.

Don't look away from the patient behind the data.

Don't look away from the employee who has created a workaround because the system failed to.

Don't look away from the physician who is doing administrative work at 9 p.m.

Don't look away from the recurring denial everyone has decided is inevitable.

And don't look away from the possibility that the problem isn't the person trying to fix the system.

Maybe the system is asking too much of the person.

That is the opportunity.

Not to build a machine that replaces the human.

But to build a system that finally remembers what the human is there to do.

Care.

Think.

Decide.

Connect.

And, occasionally, go home on time.

#Healthcare #Physicians #MedicalPractice #MedicalBilling #RevenueCycleManagement #HealthcareLeadership #HealthcareInnovation #HealthcareAI #HealthTech #PracticeManagement #PatientExperience #PhysicianEntrepreneur #IndependentPractice #HealthcareTransformation #OnnX

 

Sunday, September 13, 2026

Patricia Pendleton Started at 40. Three Generations Later, Her Family Is Still Caring for Patients. What Are Physicians Passing Down?

A three-generation nursing legacy reveals a more uncomfortable truth: healthcare doesn't just pass down values. It passes down systems, habits, workarounds—and everything we've quietly decided is “just how healthcare works.”



“Healthcare doesn’t lack information; it lacks connection.” Demetri Giannikopoulos, Forbes contributor and health AI leader

 

That sentence is intentionally provocative.

It is also a useful place to begin.

Because healthcare has always been an industry where yesterday's assumptions become tomorrow's rules.

And eventually, those rules become so familiar that nobody remembers they were assumptions in the first place.

That brings me to Patricia “Pat” Pendleton.

In Lancaster, California, Patricia Pendleton became a nurse at 40 after her husband was diagnosed with cancer.

She raised three children.

She worked for 25 years at Antelope Valley Medical Center.

Her daughter, Terryl Call, watched her mother care for her father and saw what nursing looked like up close. Terryl eventually became a nurse herself and now serves as a house supervisor at the same hospital.

Then came the next generation.

Terryl's daughters, Tayler Rodriguez and Amanda Starler, followed her into nursing.

They went through nursing school together.

Today, both are registered nurses working in the emergency department at Antelope Valley Medical Center.

Three generations.

Four women.

One hospital.

A family legacy that nobody had to manufacture.

That is the part of the story that matters.

Patricia didn't need a PowerPoint presentation titled “The Strategic Importance of Nursing as a Multigenerational Career.”

She didn't need a culture committee.

She didn't need a motivational poster.

Her family simply watched her.

And then they decided what they saw was worth carrying forward.

Antelope Valley Medical Center describes the family as representing more than 40 years of combined nursing service. Recent reporting has highlighted the unusual three-generation path and the family's connection to the Lancaster community.

And suddenly, a beautiful family story becomes a much more uncomfortable question for everyone else in healthcare:

What Are We Teaching the Next Generation Without Saying a Word?

Because people watch.

Medical students watch.

Residents watch.

Nurses watch.

Medical assistants watch.

Front-desk employees watch.

Young physicians watch.

Future practice owners watch.

And they learn healthcare less from what we say than from what we repeatedly do.

They see what happens when a patient waits.

They see what happens when an authorization is missing.

They see what happens when an insurance claim is denied.

They see whether leadership fixes the problem or blames the employee.

They see whether technology makes work easier or merely creates another login.

They see whether physicians spend their evenings practicing medicine or fighting administrative fires.

They see whether the organization solves problems—or becomes exceptionally good at working around them.

And eventually, they internalize the answer.

This is what healthcare is.

That may be our biggest legacy problem.

Not that healthcare is broken.

But that we have become very good at teaching people how to live with the broken parts.


The Most Dangerous Sentence in Healthcare

I have a candidate.

It isn't:

“Your claim was denied.”

It isn't:

“Authorization is required.”

It isn't:

“Your insurance isn't active.”

It isn't even:

“Please fax it again.”

It is:

“That's just how healthcare works.”

Those six words have probably protected more dysfunctional processes than any regulation ever could.

That's just how prior authorization works.

That's just how credentialing works.

That's just how billing works.

That's just how payers work.

That's just how documentation works.

That's just how the EHR works.

That's just how physicians work.

That's just how the front desk works.

Really?

Or is that simply how we have gotten used to working around the problem?

There is a difference.

A very expensive difference.


We Don't Just Pass Down Values. We Pass Down Workarounds.

Patricia Pendleton passed down something valuable.

A sense of service.

A commitment to patients.

A belief that nursing mattered.

But healthcare organizations pass down other things too.

Workarounds.

If your practice requires a spreadsheet because the EHR cannot reliably tell staff something important, the spreadsheet becomes part of the culture.

If employees maintain private lists because nobody trusts the official system, those lists become part of the culture.

If staff know a payer's secret phone number because the normal process doesn't work, that phone number becomes institutional knowledge.

If one employee knows how to “get the claim through,” everyone starts relying on that person.

And eventually, the workaround becomes invisible.

It is no longer called a workaround.

It is called:

“Our process.”

That's when dysfunction gets interesting.

Because once a workaround becomes a process, someone eventually builds software around it.

Then someone sells consulting around it.

Then someone creates a dashboard around it.

Then someone adds AI.

And 10 years later, we're proudly automating the workaround we should have eliminated.

Healthcare has a remarkable talent for turning temporary fixes into permanent infrastructure.

We should probably stop congratulating ourselves for this.


The Great Healthcare Paradox

We have more healthcare technology than any previous generation.

We have electronic health records.

Cloud infrastructure.

Interoperability frameworks.

APIs.

Clearinghouses.

Patient portals.

Revenue-cycle platforms.

Decision-support systems.

AI scribes.

AI coding.

AI claims tools.

AI prior authorization.

AI everything.

And yet a remarkably simple question can still bring an office to its knees:

“What happened to this patient's authorization?”

Someone checks the EHR.

Someone checks the payer portal.

Someone checks email.

Someone searches a fax.

Someone calls the payer.

Someone asks the front desk.

Someone checks a spreadsheet.

Someone eventually finds a PDF.

Everyone celebrates.

The authorization has been found.

This is not a technology problem in the conventional sense.

It's a systems architecture problem.

The information existed.

The problem was that nobody could reliably connect it to the work that depended on it.


Healthcare Doesn't Have an Information Problem

It has a connection problem.

A medical record can contain enormous amounts of information while still failing to answer the question someone needs answered right now.

The patient's information exists.

The insurance information exists.

The referral exists.

The authorization exists.

The encounter exists.

The documentation exists.

The code exists.

The claim exists.

The payer response exists.

The payment exists.

The denial exists.

But if these things behave like isolated islands, humans become the bridge.

And humans are very expensive bridges.

Recent reporting on healthcare data fragmentation makes this problem increasingly difficult to ignore. One September 2026 analysis described the medical record as potentially scattered across organizations while the person it describes sits in the waiting room.

That is a perfect metaphor for healthcare technology.

The data is everywhere.

The patient is still waiting.


Now Let's Talk About AI

This is where I want to be deliberately contrarian.

The healthcare industry doesn't need more AI simply because AI exists.

It needs better problems for AI to solve.

We have reached a strange point where organizations sometimes ask:

“Where can we add AI?”

I think the better question is:

“Where are we wasting human judgment on repetitive, predictable work?”

Those are very different questions.

The first produces AI features.

The second produces useful systems.

And the difference matters.

Because AI applied to clean, connected information can be extraordinarily powerful.

AI applied to fragmented information can become an extraordinarily fast way of producing confident confusion.

That's not intelligence.

That's turbocharged ambiguity.

And healthcare already has enough ambiguity without giving it a GPU.


The AI Question Is Not “Can It?”

It's:

“Should it?”

And:

“Based on what?”

And:

“Can we prove why it did that?”

Those questions are becoming more important as AI moves deeper into clinical and administrative workflows.

In a September 8 Atlantic essay, Ezekiel J. Emanuel and Vinod Khosla argued that medicine should be willing to experiment with increasingly autonomous AI rather than automatically assuming humans must retain the final decision in every circumstance. They also acknowledge that real-world evidence and long-term evaluation remain important.

That debate is fascinating.

But it exposes a deeper principle.

Healthcare should not be afraid of automation.

Healthcare should be afraid of unaccountable automation.

If an AI system recommends an action, can we see what information it used?

Can we understand what happened?

Can we reconstruct the decision?

Can a human intervene?

Can the organization audit the result?

Can the patient be protected if the system is wrong?

Those questions matter whether AI is deciding a diagnosis or prioritizing a billing exception.


The Most Valuable AI May Be the AI You Barely Notice

Forget the flashy demo.

Imagine a system that simply tells the staff:

“This claim has a high probability of denial. The problem appears to originate from the eligibility record. Fix it before submission.”

That's not sexy.

No robot doctor.

No hologram.

No digital avatar.

No AI-generated inspirational speech.

Just:

“Hey. This looks wrong.”

That's useful.

Now imagine it can also tell you:

  • what looks wrong;
  • why it looks wrong;
  • who owns the next action;
  • what information is missing;
  • what deadline matters;
  • what happened last time;
  • what payer rule applies;
  • and what evidence supports the recommendation.

Now AI becomes more than prediction.

It becomes operational intelligence.


Medical Billing Has a Dirty Secret

Here is my contrarian thesis:

Medical billing is not primarily a billing problem.

It is often a data-quality and workflow-state problem that becomes visible in billing.

By the time a claim denies, the original mistake may be ancient history.

The patient's insurance changed.

Nobody captured it.

The referral expired.

Nobody knew.

The authorization existed.

Nobody connected it to the encounter.

The documentation was incomplete.

Nobody caught it before coding.

The payer changed its rule.

Nobody updated the workflow.

Then the claim denied.

And suddenly the billing department gets the blame.

That's convenient.

It is also frequently wrong.


Billing Is Often the Crime Scene, Not the Crime

Think about that for a moment.

A denial is an event.

But it isn't necessarily the origin of the problem.

The denial is often where the organization discovers the problem.

That is different.

Imagine a water leak.

You notice the ceiling stain.

You can spend all afternoon painting the ceiling.

The stain disappears.

Congratulations.

The roof is still leaking.

That is how some revenue-cycle strategies work.

Denial occurs.

Research denial.

Appeal denial.

Correct denial.

Resubmit claim.

Collect payment.

Celebrate recovery.

Then do it again next month.

We call this revenue-cycle management.

Sometimes it is closer to revenue-cycle archaeology.

We're digging through the remains of decisions made weeks earlier.


What If the Denial Is the System's Teacher?

This is where healthcare could become much smarter.

A denial shouldn't merely create work.

It should create learning.

If the same payer repeatedly denies the same scenario, the system should notice.

If the same authorization mistake occurs repeatedly, the system should notice.

If the same eligibility error appears repeatedly, the system should notice.

If a particular workflow creates predictable rework, the system should notice.

The question isn't:

“How many denials did we resolve?”

It is:

“How many future denials did we prevent because we learned from the last one?”

That is a completely different measurement philosophy.


The Front Desk May Be Part of Your Revenue Cycle

Here's another idea that makes people uncomfortable:

Your revenue cycle may begin before the patient ever sees the physician.

At registration.

At scheduling.

At eligibility.

At referral.

At authorization.

At intake.

That's where information enters the system.

And information has consequences.

If the wrong payer is entered, downstream teams inherit the error.

If eligibility is misunderstood, downstream teams inherit the error.

If the referral isn't captured, downstream teams inherit the error.

If authorization isn't connected to the correct encounter, downstream teams inherit the error.

Then someone in billing gets the message:

“Can you fix this?”

Why?

The billing person didn't create the information.

They simply discovered its consequences.


Stop Asking Billing to Be the World's Most Expensive Detective Agency

Billing professionals are extraordinarily valuable.

But they should not have to reconstruct the entire patient journey every time a claim goes wrong.

They should not need forensic skills to answer basic operational questions.

They shouldn't need:

  • five browser tabs;
  • three passwords;
  • a spreadsheet;
  • an old fax;
  • a sticky note;
  • and Linda.

You know Linda.

Every practice has a Linda.

Linda knows everything.

Linda remembers which payer changed its portal.

Linda knows which fax number works.

Linda knows which physician forgot to sign something.

Linda knows that the “official” process is not actually the process.

Linda is wonderful.

Linda is also a single point of institutional failure.

If your revenue cycle collapses when Linda takes a vacation, you don't have a resilient system.

You have a very experienced employee holding your architecture together.


Hero Employees Are Not Infrastructure

Every organization loves the hero employee.

The person who can solve anything.

But heroics are often evidence of weak systems.

A mature organization should not require extraordinary memory to perform ordinary work.

The knowledge should be:

structured, visible, connected, reproducible and auditable.

Otherwise, the organization is renting its operational memory from an employee.

And employees eventually retire.

Or move.

Or get promoted.

Or take two weeks off and discover the office has forgotten how to breathe.


The Next Generation Is Watching This Too

This brings us back to Patricia Pendleton.

Her family watched her work.

But imagine a different story.

Imagine a young physician watching their mentor spend every evening fighting denials.

Imagine a resident watching nurses spend hours on administrative work.

Imagine a medical assistant watching staff repeatedly enter the same information.

Imagine a young practice owner learning that the secret to survival is knowing which payer representative to call.

What do they conclude?

Maybe:

“This is medicine.”

That's dangerous.

Because medicine isn't supposed to be a professional endurance contest.

Healthcare should not require extraordinary resilience to survive ordinary operations.


We Keep Calling Burnout a People Problem

Maybe sometimes it is.

But we should be suspicious of any system that repeatedly exhausts good people and then tells them to become more resilient.

A useful system should not depend on heroic endurance.

The current healthcare conversation increasingly recognizes that workforce problems are tied to organizational design, staffing, administrative burden and operational conditions.

Even current debates around AI implementation are exposing a related problem: technology can be introduced without adequately involving the people who actually use it.

For example, recent reporting on the integration of ChatGPT capabilities into Epic has raised questions from nurses about whether frontline nursing voices were adequately represented in safety evaluation and implementation.

That's an important warning.

You cannot redesign healthcare from the conference room alone.

The people doing the work have to be part of designing the work.


Don't Automate the Workflow Until You Understand the Workflow

This should be printed on every healthcare technology pitch deck.

Before automating something, ask:

Why does this workflow exist?

Then:

Does it actually need to exist?

Then:

What information does it require?

Then:

Where does that information originate?

Then:

Who owns the next step?

Then:

What happens when something goes wrong?

Then:

Does the system learn from that failure?

Only after answering those questions should someone ask:

“Where should AI go?”

Otherwise, you're decorating the problem.


The Five-Layer Test

I like to evaluate healthcare workflows through five questions.

1. Data

Do we have the right information?

2. Context

Do we know what that information means?

3. State

Do we know what has happened and what is currently waiting?

4. Ownership

Do we know who is responsible for the next action?

5. Feedback

Does the system learn when the outcome is wrong?

Most healthcare technology focuses heavily on the first question.

Some addresses the second.

Far fewer systems properly address all five.

And that's where the opportunity becomes interesting.


Healthcare Data Is Not the Same Thing as Healthcare Intelligence

A database can tell you:

Patient has insurance.

A useful system should tell you:

Patient's insurance is active, but this procedure requires authorization, the authorization expires Friday, the current encounter is scheduled for Monday, and nobody owns the renewal.

That's the difference between data and operational intelligence.

One is a record.

The other is a decision.


The Connected Data Graph

This is why I believe healthcare workflows need to move toward a connected data model.

Think about the patient journey as a graph:

PATIENT

INSURANCE

ELIGIBILITY

REFERRAL

AUTHORIZATION

ENCOUNTER

DOCUMENTATION

CODING

CLAIM

PAYER

PAYMENT

DENIAL / EXCEPTION

RESOLUTION

FEEDBACK LOOP

The important concept isn't the boxes.

It's the relationships.

A referral should mean something in relation to a patient.

An authorization should mean something in relation to a service.

A claim should reflect what actually happened.

A denial should connect back to the event that caused it.

A resolution should feed the next decision.

That's how a system develops memory.


The Revenue Cycle Should Have a Memory

Not just document storage.

Operational memory.

It should know:

What happened?

When did it happen?

Who handled it?

What information was available?

What policy applied?

What was missing?

What changed?

What was attempted?

What failed?

What worked?

What should happen next?

And if the same situation happens again, the system shouldn't start from zero.

That's the absurdity of many administrative workflows.

We make the same mistake.

Then we solve it.

Then three weeks later we make the same mistake again.

And somehow call this experience.


A 30-Day Experiment for Any Independent Practice

If you are a physician owner, don't start by buying software.

Start with observation.

Days 1–5: Follow One Patient

Choose one patient journey.

Follow:

Scheduling → Registration → Eligibility → Referral → Authorization → Encounter → Documentation → Coding → Claim → Payment

Write down every handoff.

Don't fix anything yet.

Just observe.

You will probably discover something uncomfortable.

Days 6–10: Circle Every Handoff

Every time information moves from:

  • person to person;
  • system to system;
  • spreadsheet to EHR;
  • fax to staff;
  • email to billing;
  • payer portal to practice software;

circle it.

Those are your friction points.

Days 11–15: Find the Rework

Ask:

What did someone have to do twice?

Then:

What did someone have to verify because they didn't trust the first answer?

Then:

What did someone have to search for?

Rework is a gold mine.

It tells you where the system is creating unnecessary labor.

Days 16–20: Find the Earliest Failure

For every denial or exception, ask:

When could we first have known?

Before scheduling?

At registration?

At eligibility?

Before the encounter?

Before coding?

Before claim submission?

At adjudication?

This is where the concept of upstream prevention becomes practical.

Days 21–25: Assign Ownership

Every recurring exception needs:

Owner.

Trigger.

Deadline.

Next action.

Escalation path.

If nobody owns it, it will eventually become everyone's problem.

Which usually means it becomes nobody's problem until the patient complains.

Days 26–30: Measure Recurrence

Don't just count how many problems were fixed.

Count how many returned.

That's the number that tells you whether the system learned anything.


The Metrics That Matter

A practice should know more than total collections.

Track:

Clean claim rate

First-pass acceptance rate

Preventable denial rate

Eligibility error rate

Authorization failure rate

Denial resolution time

A/R over 90 days

Staff rework hours

Revenue leakage

Exception recurrence

The last one may be the most revealing.

Because a system that repeatedly creates the same exception is not improving.

It is simply becoming faster at cleaning up after itself.


The Most Expensive Resource in Healthcare Isn't Always Money

It's attention.

A physician's attention.

A nurse's attention.

A biller's attention.

A practice manager's attention.

A patient's attention.

When a physician spends 20 minutes figuring out why an authorization disappeared, that is not merely 20 minutes.

It is 20 minutes removed from clinical work.

When a nurse spends an hour hunting for information, that's not merely an administrative expense.

It's attention that could have gone toward patients.

When a patient spends an afternoon trying to understand a bill that shouldn't have been confusing, that's not simply a customer-service problem.

It's trust being consumed.

Administrative friction has a human cost.

We simply don't put that cost on the spreadsheet.


The Problem With “Efficiency”

Healthcare loves the word.

But we often define efficiency incorrectly.

If a team used to process 1,000 exceptions and now processes 2,000, did we become more efficient?

Maybe.

Or maybe we became more efficient at creating and processing exceptions.

The better question is:

Did the amount of unnecessary work decrease?

That's real efficiency.

The best workflow may be the workflow you no longer need.

The best notification may be the notification that never has to be sent.

The best denial may be the denial that never occurs.

The best billing intervention may be the one that happens before billing.

That is the uncomfortable logic of prevention.


Three Myths Worth Killing

Myth #1: “More Staff Will Fix It”

Sometimes you need more staff.

But if staff are repeatedly fixing the same preventable problem, hiring more people can simply increase the cost of dysfunction.

You are adding more people to the bucket instead of fixing the hole.

Myth #2: “Our EHR Has the Data”

Having data is not the same as having usable, connected, trusted data.

A system can contain 10,000 fields and still force someone to call Linda.

Myth #3: “AI Will Replace Billing”

That's the wrong question.

The better question is:

Which work should humans never have been doing manually in the first place?

AI should help people spend less time hunting, sorting, checking and repeating—and more time exercising judgment where judgment actually matters.


The AI Revolution May Be Less Revolutionary Than We Think

There is a funny irony happening in healthcare.

We are talking about autonomous AI doctors while many practices still struggle to reliably determine whether a patient is eligible for coverage.

We are debating whether AI can outperform physicians while staff are still faxing documents.

We are discussing artificial general intelligence while someone is maintaining a spreadsheet called:

FINAL_FINAL_INSURANCE_LIST_v7.xlsx

Maybe the future isn't waiting for us.

Maybe the future is simply waiting for healthcare to fix its plumbing.

Because sophisticated intelligence sitting on top of disconnected infrastructure is still disconnected intelligence.


The New Competitive Advantage: Predictability

Independent practices don't necessarily need more complexity.

They need predictability.

Predictable eligibility.

Predictable authorization.

Predictable documentation.

Predictable claims.

Predictable follow-up.

Predictable cash flow.

Predictable accountability.

Predictable exception handling.

That doesn't mean every payer behaves predictably.

It means the practice should be able to distinguish:

What we can control.

What we cannot control.

What we should have known earlier.

What we need to do now.

That distinction is enormously valuable.


This Is Where OnnX Comes In

This is the problem I believe deserves a different architecture.

OnnX is built around the idea that healthcare billing is fundamentally a data-quality and workflow problem that begins upstream.

The objective isn't simply to create another billing dashboard.

It is to connect the information and workflow states that determine whether the work gets paid.

Patient.

Insurance.

Eligibility.

Referral.

Authorization.

Encounter.

Documentation.

Coding.

Claim.

Payer.

Payment.

Denial.

Resolution.

The system should be able to identify risk before the claim becomes a problem.

It should understand ownership.

It should understand dependencies.

It should understand deadlines.

It should preserve traceability.

And when something goes wrong, it should feed the lesson back into the workflow.

Not just recover revenue.

Prevent the next failure.

That distinction is the whole game.


Don't Build a Smarter Dashboard

Build a Smarter System.

Dashboards tell you what happened.

Useful systems help determine:

What is happening?

Why is it happening?

What matters?

Who owns it?

What should happen next?

When does it become urgent?

What can we learn from it?

That's the difference between reporting and orchestration.

And healthcare needs more orchestration.

Less archaeology.


The Legal and Ethical Question

As healthcare systems become more automated, accountability becomes more important—not less.

If an AI system flags a claim, the practice should understand why.

If an automated workflow prioritizes an authorization, there should be a record of what information informed that decision.

If a system changes a workflow, someone should know.

If an automated recommendation is wrong, there needs to be a way to investigate.

“AI decided” cannot become the healthcare equivalent of:

“The computer made me do it.”

Technology should create more traceability, not less.

That is especially important in healthcare because administrative decisions can affect access, payment, compliance, patient experience and clinical operations.

The future cannot simply be automated.

It must be auditable.


The Ethics of Automation

There is another principle worth remembering:

Don't automate a bad process just because you can.

If a workflow is wrong manually, automating it makes the wrong workflow faster.

If an approval rule is poorly designed, AI can apply the poor rule at scale.

If the underlying data is wrong, automation can amplify the mistake.

Before automating:

Understand the process.

Identify the decision.

Validate the data.

Define accountability.

Test the exception cases.

Then automate.

Not the other way around.


What Patricia's Family Really Teaches Us

Patricia Pendleton didn't need to tell her daughter:

“Terryl, here is the five-year plan for becoming a nurse.”

She lived the example.

Terryl didn't need to write a strategy memo for Tayler and Amanda.

They watched.

That's how culture works.

And that's how organizational culture works too.

People watch what leaders do when things become difficult.

Do leaders blame?

Do they hide?

Do they improvise?

Do they fix?

Do they listen?

Do they redesign?

Do they say:

“That's just how it works.”

Or do they say:

“Why does it have to work this way?”

That sentence may be the beginning of innovation.


The Legacy Test

Every physician owner should run this test.

Imagine a medical student joins your practice tomorrow.

They stay for five years.

They watch everything.

They see the technology.

They see the workflows.

They see the meetings.

They see the billing.

They see the patient complaints.

They see the staff frustrations.

They see how leadership behaves.

At the end of five years, what do they believe healthcare is supposed to look like?

Would you be proud of that answer?

Or would you quietly say:

“Well, you know… healthcare is complicated.”

That's where the conversation gets interesting.

Because “healthcare is complicated” can be true.

It can also be an excellent excuse.


We Don't Need More Heroes

Healthcare already has enough heroes.

Patricia Pendleton is a hero.

Terryl Call is a hero.

Tayler Rodriguez is a hero.

Amanda Starler is a hero.

They show up.

They care.

They serve.

They represent something worth preserving.

But we should be careful about designing systems that require heroic people to compensate for ordinary failures.

We don't need physicians to become more heroic.

We need systems to become less hostile to the people using them.

We don't need nurses to become infinitely resilient.

We need organizations to stop manufacturing unnecessary friction.

We don't need billing professionals to become better detectives.

We need systems that stop losing the evidence.


The Future of Healthcare May Be Less About Doing More

And more about making less necessary.

Less rework.

Less duplication.

Less searching.

Less faxing.

Less manual verification.

Less waiting.

Less guessing.

Less chasing.

Less “Who has this?”

Less “Did anyone call them?”

Less “Can you send that again?”

Less “I thought you had it.”

Less “The system says something different.”

Less “That's just how healthcare works.”

That may not sound revolutionary.

It is.

Because every unnecessary step removed from healthcare returns something valuable:

time.

And time is what clinicians never seem to have enough of.


Final Thoughts: Systems Become Legacy

Patricia Pendleton started nursing at 40.

Her daughter watched.

Her granddaughters watched.

And three generations later, they are still caring for patients.

That is a beautiful legacy.

But there is another kind of legacy being created inside every medical practice.

The workflows.

The habits.

The shortcuts.

The workarounds.

The tolerances.

The technologies.

The assumptions.

The things nobody questions anymore.

Those are being passed down too.

Systems create habits.

Habits become culture.

Culture becomes legacy.

So perhaps the question isn't simply:

What kind of physician do I want to be remembered as?

Perhaps it is:

What kind of healthcare system will people remember me for building?

A system where staff spend their days fighting administrative fires?

Or one where the fire prevention system actually works?

A practice where billing is an endless archaeological expedition?

Or one where the path from care to payment is visible?

A workplace where technology adds work?

Or one where technology quietly removes it?

A culture where people say:

“That's just how healthcare works.”

Or one where somebody has the courage to ask:

“Why?”

And then actually fix it.


Three Actions Worth Taking

Stop measuring how efficiently your practice cleans up problems. Start measuring how many problems never happen.

Stop asking where to add AI. Start asking where unnecessary human work is being created.

Stop thinking only about the legacy you leave in patients. Think about the system you leave in the hands of the people who come after you.


Get Involved: The Question I Want Physicians to Answer

Here's the question I would genuinely like to hear from physicians and practice owners:

What is the most ridiculous administrative process in your practice that everyone has simply accepted as normal?

Not the polished answer.

The real answer.

The spreadsheet nobody trusts.

The fax nobody likes.

The payer portal everyone hates.

The authorization nobody can find.

The report nobody reads.

The claim everyone knows will deny.

The task everybody does twice because nobody trusts the first result.

Tell me in the comments.

Then ask yourself:

If the next generation copied the way your practice operates today, would healthcare actually get better?

If the answer is no, that's not a reason for embarrassment.

It's a starting point.

Step into the conversation.

Challenge the assumption.

Raise your hand.

Be willing to redesign what everyone else has learned to tolerate.

And if this article made you think about someone on your team who is quietly carrying a broken process every day, share it with them.

Maybe they aren't the problem.

Maybe they are the person holding the system together.


Frequently Asked Questions

Is Patricia “Pat” Pendleton a real person?

Yes. Patricia “Pat” Pendleton is the grandmother in the three-generation nursing family at Antelope Valley Medical Center in Lancaster, California. She became a nurse at age 40 after her husband's cancer diagnosis and spent 25 years at the hospital.

Who are the four women?

The family consists of Patricia “Pat” Pendleton, Terryl Call, Tayler Rodriguez and Amanda Starler. Terryl is Pat's daughter. Tayler and Amanda are Terryl's daughters and Pat's granddaughters. Both Tayler and Amanda became registered nurses and work in the emergency department at Antelope Valley Medical Center.

Did Pat force the next generation into nursing?

No. The family has described the path as something that developed naturally from observing the previous generation rather than through an explicit mandate. That distinction is important: example can be more powerful than instruction.

What does a nursing family have to do with medical billing?

More than it initially appears.

The story illustrates how behavior, values and systems are learned through observation. Healthcare organizations pass down not only professional ideals but also workflows, habits and workarounds.

Is medical billing really a data-quality problem?

Often, but not exclusively. Some problems are payer-driven, contractual or genuinely unpredictable. The argument is that practices should distinguish preventable information and workflow failures from genuine payer-side exceptions rather than treating every denial as the same problem.

Will AI replace medical billers?

That should not be the objective. The more useful question is which repetitive, predictable tasks can be automated so skilled people can focus on exceptions, judgment, relationships and complex problem-solving.

Why is upstream prevention important?

Because the farther downstream a problem is discovered, the more expensive it often becomes to correct.

A wrong insurance record at registration can eventually become a denied claim, a delayed payment, staff rework and potentially a frustrated patient.

What should practices measure?

At minimum:

Clean claim rate.

First-pass acceptance.

Preventable denial rate.

Eligibility errors.

Authorization failures.

Denial resolution time.

A/R aging.

Staff rework hours.

Revenue leakage.

Exception recurrence.

What is the biggest misconception about healthcare efficiency?

That efficiency means processing more work faster.

Sometimes the best efficiency gain is eliminating the work altogether.


Myth Busters

Myth: “More staff means better operations.”

Reality: More staff can increase capacity, but it doesn't necessarily fix the process generating the work.

Myth: “More AI means more innovation.”

Reality: AI applied to a bad workflow can simply automate the bad workflow.

Myth: “If the information exists in the EHR, the problem is solved.”

Reality: Information must also be current, connected, contextualized and actionable.

Myth: “Denial management is the same as revenue-cycle improvement.”

Reality: Denial management is often downstream recovery. Revenue-cycle improvement should also ask why the denial happened.

Myth: “The person who fixes the problem owns the problem.”

Reality: The person who discovers the problem may simply be the final link in a chain that started much earlier.


The Bigger Question

Patricia Pendleton's family legacy is inspiring because it happened organically.

Nobody needed to convince three generations that caring for people mattered.

They saw it.

They lived around it.

They absorbed it.

And eventually, they chose it.

Healthcare organizations are doing the same thing every day.

They are teaching the next generation what healthcare is.

Not through speeches.

Through systems.

Through workflows.

Through behavior.

Through technology.

Through what they tolerate.

Through what they celebrate.

Through what they refuse to question.

And perhaps that is the most provocative lesson of all:

The next generation will inherit more than our medical knowledge.

They will inherit our operating system.

So let's make sure it's worth inheriting.

What are you passing down?


About the Author

Dr. Daniel Cham is a physician and medical consultant with expertise in medical technology consulting, healthcare management, and medical billing. He focuses on delivering practical insights that help professionals navigate complex challenges at the intersection of healthcare and medical practice.

Connect with Dr. Cham on LinkedIn to learn more and continue the conversation.

Dr. Daniel Cham on LinkedIn


Important Note

This article provides general educational and professional commentary on healthcare operations, technology, administrative workflows and medical billing. It is not legal, medical, financial, coding, compliance or reimbursement advice. Specific circumstances should be evaluated with the appropriate qualified professionals.


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Read it. Challenge it. Share it with your team.

And decide what your practice should stop tolerating.


References

Antelope Valley Medical Center — Three Generations, One Calling

The hospital's account of Patricia Pendleton, Terryl Call, Tayler Rodriguez and Amanda Starler provides the primary source for the family's nursing history and multigenerational connection.

The Atlantic — “Medicine Needs to Get Serious About AI”

Ezekiel J. Emanuel and Vinod Khosla's September 8, 2026 essay provides the current AI quote and examines the emerging debate over physician-controlled versus increasingly autonomous AI in medicine.

Patients Know Best — September 2026 Profile

The September 2026 profile examines fragmented medical records and the effort to connect information across healthcare organizations, reinforcing the article's broader argument about information fragmentation.


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