AI Claims Automation: Cutting Processing Time from Weeks to Minutes (2025 Update)

Elevate’s AI claims automation is transforming how TPAs, health plans, and benefits platforms manage HSA, FSA, and HRA administration.

With the Elevate platform, up to 78% of claims are approved automatically, cutting processing time from 25 days to under two minutes.

Our AI-powered auto adjudication now extends to card transactions, instantly reviewing and approving documentation the moment it’s uploaded by a participant or claims processor.

“Our claims team noticed an amazing improvement right away. As soon as we upload documentation for a card transaction, it’s approved automatically. It’s saving us a lot of time and letting us focus on the claims that really need attention.”
— Lizzie Morris, Claims Manager, Rocky Mountain Reserve

This is not the future. It is happening today. Elevate’s automation improves accuracy, speeds up payments, and allows administrators to focus on work that truly requires a human touch.

Let's look at the time savings each step of the way.

1. AI-Driven Claims Submission

Traditional process (10 minutes): Clunky process with paper forms or manual data entry
Elevate process (20 seconds): AI automatically completes claim form

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For employees, the process of submitting benefit account reimbursement requests can be difficult. Complex paperwork, manually entering data, and then waiting weeks or even months for reimbursement is not only frustrating but can also create financial strain. In the traditional model, employees spent an average of 10 minutes dealing with paper forms or manually inputting information into outdated systems. This process was not only inefficient but also prone to errors, which could also delay reimbursement.

With Elevate's user-friendly and AI-enabled platform, the once time-consuming claims submission has changed into an almost instantaneous experience. Elevate's AI automatically extracts relevant information from receipts, invoices, and other supporting documents. This data populatedinto the claim form accurately and efficiently, reducing the submission time to only 20 seconds.

The advantages are not just on the participant end. By automating data entry and reducing the potential for human error, claims administrators can now spend less time on manual verification and more time on complex assessments. It’s more than time savings, it also improves the overall accuracy of claims.

2. Automated Document Review

Traditional process: (2-5 days) Manual review by claims processor. Dependent on work queue.
Elevate process: (10 seconds) HIPAA-compliant AI reads and reviews documentation

The document review stage in the traditional claims process is a common bottleneck, often taking 2-5 days. It’s heavily dependent on the workload and prioritization in the claims department. This manual review process not only delays reimbursements for employees but also puts pressure on claims administrators, who need to comb through each document to verify eligibility and compliance.

Elevate's AI-powered document review changes this step. With HIPAA-compliant artificial intelligence, Elevate can instantly analyze and interpret a wide range of documents, including receipts, invoices, medical bills, and Explanation of Benefits (EOBs). Within 10 seconds, Elevate’s AI can accurately extract relevant data, verify eligibility criteria, and flag any potential discrepancies.

3. Instant Feedback for Missing Information

‍Traditional process: (5-8 days) Mailed or emailed notice asking for additional documentation; often unclear and confusing
Elevate process: (20 seconds) On-screen feedback in clear, simple language

In the traditional claims process, requesting additional information from employees is a difficult process. The need for more information can happen for a variety of reasons, like the documentation isn’t approved or is missing information. Mailed notices can take days to reach employees, and if the requests are unclear or confusing to the recipient, it can lead to more delays and aggravation. 

Elevate changes this process. When additional documentation is required, employees receive instant on-screen feedback within the platform. This feedback is presented in clear language, helping employees understand exactly what is needed and how to provide it. This gets rid of the confusion and back-and-forth communication that often happens during the traditional process.

“Before our AI coaching, about 12% of our reimbursement requests would get returned to the participants, asking for better documentation. With our AI coaching, less than 2% are returned."
- Brian Strom, Co-Founder and CEO, Elevate

4. Real-Time Document Re-Review

Traditional process: (2-5 days) Manual review by claims processor; work queue dependent, may go to back of line
Elevate process: (10 seconds) HIPPA-compliant AI reads and reviews documentation

When employees submit additional documentation or required documentation for card transactions, it previously landed in a queue for manual review, adding days to the overall processing time and creating a backlog for claims administrators.

Elevate's AI-powered document re-review process eliminates these delays and inefficiencies. When employees submit additional documentation, Elevate’s HIPAA-compliant AI immediately re-reviews it, making sure all necessary information is present and accurate. The AI also ensures all submitted documentation is compliant with relevant regulations. 

By instantly reviewing documents, Elevate prevents claims from waiting around in queues for someone to get to them. Plus, AI’s instant review capabilities reduce the time it takes to process claims with additional documentation. By automating the re-review process, Elevate frees up claims administrators from repetitive tasks so they can focus on more strategic work.   

5. Instant Payments

Traditional process: (2-7 days) Mailed check or ACH to account 
Elevate process: (Real-time) Venmo, PayPal, or push to debit card 

The final stage of the claims process can seem long for employees who have already endured a lengthy waiting period. In the traditional model, payment is typically issued by mailed check or ACH transfer, taking anywhere from 2-7 days to reach the employee's account. This delay can be a problem for people with tight budgets.

Elevate's real-time payment options change this step of the claims experience. By offering instant disbursements through popular platforms like Venmo and PayPal, or direct deposit to debit cards, Elevate makes sure employees receive their reimbursements as soon as their claims are approved. 

For claims administrators, Elevate's real-time payment options offer significant advantages:

• ‍Reduced overhead: No need to print, mail, or process checks, reducing administrative burden and costs.
• Improved cash flow management: Real-time payments provide greater visibility into cash flow, allowing more accurate tracking.
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Total time

Traditional process: Up to 25 days
Elevate process: Under 2 minutes

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AI automation with Elevate delivers measurable improvements:

• Speed: Processes claims in seconds, not days.
• Accuracy: Automated cross-checks reduce errors and fraud.
• Productivity: Staff focus on exceptions instead of data entry.
• Insight: AI identifies trends and cost-saving opportunities.
• Satisfaction: Faster reimbursements reduce participant questions.

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AI That Works Today

Elevate’s AI is live and processing millions of transactions right now. With real-time payments, automated claims review, and up to 78% of claims approved instantly, Elevate brings modern speed and precision to benefits administration.

See it live. Check out this short demo.

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