Saturday, August 23, 2025

AI-Only Clinical Encounters: Who’s the Billable Provider When Algorithms Diagnose and Prescribe?

 


“The future of medicine is not about replacing doctors with machines, but about empowering them with intelligent tools.” – Dr. Eric Topol, Cardiologist and Author


Introduction: The Rise of AI in Clinical Encounters

In recent years, the integration of artificial intelligence (AI) into healthcare has accelerated, leading to significant advancements in diagnostics, treatment recommendations, and administrative processes. AI-powered tools, such as ambient scribe technologies and clinical decision support systems, are now commonplace in many healthcare settings. These systems can transcribe patient interactions, suggest diagnoses, and even recommend treatment plans. However, this rapid adoption raises a critical question: when an AI system autonomously diagnoses and prescribes without direct human clinician input, who is responsible for the billing?

This article delves into the complexities surrounding AI-only clinical encounters, exploring the implications for medical billing, provider accountability, and the evolving role of healthcare professionals in an AI-driven landscape.


The Current Landscape of AI in Healthcare

1. AI-Powered Medical Scribes

AI-powered medical scribes have become integral in reducing clinician burnout and improving documentation efficiency. For instance, The Permanente Medical Group's ambient AI scribes have been used over 2.5 million times in one year, significantly easing the documentation burden and enhancing communication between providers and patients.

2. Autonomous Diagnosis and Prescription Systems

Platforms like Doctronic offer AI-driven consultations, providing users with potential diagnoses and treatment plans. These systems operate without direct clinician oversight, raising questions about the appropriate billing practices when AI is the primary decision-maker.

3. AI in Revenue Cycle Management

AI is also transforming revenue cycle management by automating coding, claim submissions, and denial management. Tools like AWS HealthScribe leverage generative AI to enhance medical coding accuracy and streamline administrative processes.


Who Is the Billable Provider?

The question of who is the billable provider in AI-only clinical encounters is multifaceted and varies based on several factors:

1. Legal and Regulatory Framework

Current billing practices are primarily designed around human providers. The Centers for Medicare & Medicaid Services (CMS) and private insurers have yet to establish standardized guidelines for reimbursing AI-driven services. As a result, healthcare organizations often bill under the supervising or treating clinician's credentials, even if their direct involvement is minimal.

2. AI as a Tool vs. AI as a Provider

If AI is considered a tool assisting a clinician, the human provider remains the billable entity. However, if AI systems are deemed to operate autonomously, questions arise about their status as providers and their eligibility for reimbursement.

3. Hybrid Models

Some institutions are adopting hybrid models where AI systems assist clinicians in decision-making, but the final diagnosis and treatment plan are determined by a human provider. In these cases, the clinician is typically the billable provider, with AI serving as a supportive tool.


Key Statistics on AI in Clinical Encounters

  • 2.5 million: The number of times The Permanente Medical Group’s ambient AI scribes were used in one year, significantly reducing clinician documentation burden (AMA).
  • 30–40%: Estimated reduction in administrative workload for clinicians using AI-powered scribe technologies, freeing time for direct patient care.
  • $243 million: Funding raised by Ambience Healthcare for AI scribing technology, reflecting investor confidence in AI-driven clinical support (Business Insider).
  • 85%: Accuracy rate reported by certain AI-assisted diagnostic platforms compared to traditional clinician-only diagnoses, emphasizing the potential and current limitations of AI.
  • 2025: The year in which multiple AI reimbursement policies are expected to be piloted, indicating regulatory evolution for AI-driven encounters.
  • 50%: Reduction in claim denials achieved by some healthcare organizations using AI-enabled revenue cycle management systems for coding and billing (AWS).

Expert Opinions on AI-Only Clinical Encounters

Dr. Eric Topol, Cardiologist and Author

Dr. Topol emphasizes the importance of maintaining human oversight in AI-driven healthcare. He argues that while AI can enhance diagnostic accuracy, it should not replace the clinician's role in decision-making. "AI should augment, not replace, the physician's judgment," he asserts.

Dr. Adam Oskowitz, Co-founder of Doctronic

Dr. Oskowitz highlights the potential of AI to democratize healthcare access. He notes that platforms like Doctronic can provide immediate, cost-effective consultations, especially in underserved areas. However, he acknowledges the need for clear guidelines on billing and provider accountability in AI-only encounters.

Dr. Nikhil Buduma, Co-founder of Ambience Healthcare

Dr. Buduma discusses the integration of AI in administrative tasks, such as medical scribing and coding. He believes that AI can significantly reduce clinician burnout and improve efficiency. However, he stresses the need for regulatory bodies to establish frameworks for reimbursing AI-driven services.


Tactical Advice for Healthcare Providers

  1. Stay Informed on Regulatory Changes: Keep abreast of evolving guidelines from CMS and private insurers regarding AI-driven services.
  2. Implement Hybrid Models: Consider integrating AI systems that assist but do not replace clinician decision-making, ensuring human oversight remains central.
  3. Collaborate with Legal Experts: Work with legal professionals to navigate the complexities of billing and provider accountability in AI-only encounters.
  4. Advocate for Clear Policies: Engage with professional organizations and policymakers to advocate for standardized billing practices for AI-driven services.

Myth Busters: Debunking Common Misconceptions

Myth 1: AI can replace human clinicians entirely.

Fact: AI is a tool that can assist clinicians but cannot replicate the nuanced judgment and empathy that human providers offer.

Myth 2: AI-driven services are not reimbursable.

Fact: While reimbursement policies are evolving, some insurers are beginning to cover AI-assisted services, especially when human oversight is involved.

Myth 3: AI systems are infallible.

Fact: AI systems can make errors, and their recommendations should be reviewed by qualified clinicians to ensure patient safety.

Myth 4: AI automatically improves diagnostic accuracy.
Fact: AI accuracy depends on the quality of data and algorithms. Poorly trained models can generate incorrect recommendations, so clinician review is essential.

Myth 5: Patients prefer AI over human interaction.
Fact: While AI can offer faster responses, most patients value human judgment, empathy, and accountability in their care.

Myth 6: Using AI eliminates clinician responsibility.
Fact: Legal and ethical responsibility remains with the supervising clinician or healthcare organization. AI is a support tool, not a replacement for human oversight.

Myth 7: AI-only encounters are ready for widespread regulatory approval.
Fact: Regulatory frameworks are still evolving. Many jurisdictions require human oversight or hybrid models for safe deployment.

Myth 8: AI reduces all healthcare costs immediately.
Fact: Initial investment in AI infrastructure can be high. Cost savings often appear over time through efficiency gains, reduced errors, and optimized billing processes.

Myth 9: AI models are universally applicable across all patient populations.
Fact: AI models may be biased or less accurate for underrepresented groups. Continuous validation and inclusive training data are critical to avoid disparities in care.

 


FAQs

Q1: Can AI systems be billed as the primary provider?

A1: Currently, most billing practices require a human provider to be listed as the primary billable entity. However, this may change as regulations evolve.

Q2: How can healthcare organizations prepare for AI reimbursement?

A2: Organizations should stay informed about regulatory changes, implement hybrid models, and collaborate with legal experts to navigate billing complexities.

Q3: Are there any AI-specific CPT codes?

A3: Yes, the American Medical Association has developed specific CPT codes for certain AI-driven services, though their application is still limited.

Q4: What liability issues arise when AI makes diagnostic or treatment decisions?
A4: Liability generally falls on the supervising clinician or healthcare organization. AI recommendations should always be reviewed by a qualified human provider to ensure patient safety and compliance with legal standards.

Q5: Can insurance reimbursements differ if AI is involved in patient care?
A5: Yes, reimbursement policies vary. Some insurers may cover AI-assisted services when human oversight is documented, while others may not recognize AI-driven encounters as reimbursable.

Q6: How do patients perceive AI-only encounters?
A6: Patient acceptance varies. Studies indicate many patients appreciate faster, accessible care but still value human judgment, empathy, and accountability in clinical decisions.

Q7: What safeguards exist to prevent AI errors in clinical care?
A7: Best practices include continuous AI model validation, clinician oversight, clear documentation of AI recommendations, and integration of AI alerts for unusual or high-risk scenarios.

Q8: How soon will AI-only encounters become mainstream?
A8: Adoption is accelerating, but fully autonomous AI encounters remain limited due to regulatory, legal, and ethical considerations. Hybrid models with human oversight are more common today.

Q9: Are there ongoing studies evaluating outcomes of AI-only encounters?
A9: Yes, research is ongoing. Early studies focus on diagnostic accuracy, efficiency, patient satisfaction, and billing implications. Outcomes are mixed but generally indicate AI can improve efficiency when supervised by clinicians.


Step-by-Step Guide: Implementing AI in Clinical Encounters

Step 1: Assess Organizational Readiness

  • Evaluate current workflows, clinician workload, and administrative processes.
  • Identify areas where AI could reduce burden or improve efficiency.
  • Ensure data privacy and security compliance before integrating AI systems.

Step 2: Select the Right AI Tool

  • Choose platforms with proven accuracy in diagnostics or medical scribing.
  • Consider integration with EMR/EHR systems for seamless documentation.
  • Review vendor regulatory compliance and certification.

Step 3: Define Human Oversight

  • Determine which clinicians will review AI-generated diagnoses or treatment plans.
  • Establish clear accountability policies for billing and liability.
  • Ensure patients are informed about AI involvement in their care.

Step 4: Train Staff and Clinicians

  • Provide hands-on training on AI tools and interfaces.
  • Educate clinicians on interpreting AI recommendations, recognizing limitations, and documenting oversight.
  • Include training on legal, ethical, and billing implications.

Step 5: Implement Hybrid Models

  • Start with AI-assisted encounters rather than fully autonomous AI-only interactions.
  • Use AI to draft documentation, suggest diagnoses, or flag coding opportunities, with clinicians making final decisions.

Step 6: Monitor and Evaluate

  • Track accuracy, patient satisfaction, and billing outcomes.
  • Adjust AI algorithms and workflows based on performance data.
  • Regularly audit for bias, errors, and compliance with regulatory requirements.

Step 7: Engage with Payers and Regulators

  • Keep updated on reimbursement policies and CPT codes for AI-assisted services.
  • Advocate for standardized billing and legal frameworks supporting AI in clinical practice.

Step 8: Scale and Optimize

  • Expand AI integration to additional departments or specialties once efficacy and compliance are proven.
  • Continuously update training and workflows to incorporate new AI capabilities and industry best practices.

Final Thoughts

The integration of AI into clinical encounters presents both opportunities and challenges. While AI has the potential to enhance efficiency and accessibility, it also necessitates careful consideration of billing practices and provider accountability. As the healthcare landscape continues to evolve, it is crucial for stakeholders to collaborate in establishing clear guidelines that ensure both innovation and patient safety.


References

  1. "Here's the exclusive pitch deck Ambience Healthcare used to raise $243 million as the AI scribing gold rush hits new highs" – Business Insider. Link
  2. "That AI scribe your doctor is using? It may make your bill go up" – STAT News. Link
  3. "Generative AI enabled Medical Coding on AWS" – AWS for Industries. Link

About the Author

Dr. Daniel Cham is a physician and medical consultant with expertise in medical technology, 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: linkedin.com/in/daniel-cham-md-669036285


Hashtags: #AIinHealthcare #MedicalBilling #ClinicalAI #HealthTech #DigitalHealth #MedicalInnovation #AIReimbursement #HealthcarePolicy #MedicalScribing #AIandMedicine

 

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