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Product · AI Insurance Verification (VOB)

Live insurance verification, on the actual call.

Most behavioral health teams VOB after the call. DIAL3D does it during. While the caller is still on the line, the agent runs eligibility against 40+ payors, reads the verified result aloud, and writes a structured benefits record to your CRM — before the warm transfer.

Book a demo See pricing No card. 12-minute setup.
ComplianceHIPAA · 42 CFR Part 2
Coverage24 / 7
Onboarding12 business days
Uptime99.99% SLA

What this product does in production.

Built for behavioral health admissions teams. Not a horizontal voice-AI tool retrofitted to healthcare.

40+ payors live

Commercial, Medicaid, and regional payors. Aetna, BCBS, Cigna, UHC, plus state Medicaid programs and behavioral-health carveouts.

Eligibility + level of care

Not just "in network." Residential coverage, IOP/PHP authorization status, deductible remaining, copay structure.

Read aloud on the call

Verified result spoken to the caller in plain language. "Yes, your Aetna PPO covers up to 30 days of residential. Your deductible is met."

Structured CRM record

Eligibility, plan name, deductible, copay, prior auth status — written as discrete fields to Kipu, Salesforce, or your CRM of choice.

Counselor-facing or agent-facing

Runs inside Voice Agent for fully-automated VOB, or surfaces in Agent Assist for your human counselor to read on the call.

HIPAA + carrier compliant

All payor lookups via certified clearinghouses with active BAAs. No screen-scraping, no shared-credential hacks.

HIPAA-aligned and 42 CFR Part 2 capable.

BAA included on every plan, including the free Trial. Read the trust center →

Questions about AI Insurance Verification (VOB), answered straight.

If we don't have an answer, we'll tell you who does.

Email our admit-line team
Is the eligibility result actually accurate?
DIAL3D queries the same clearinghouses your billing team uses (Availity, Change Healthcare, Waystar, plus direct payor APIs where available). The result is the carrier's response, surfaced in real time.
What if the payor isn't on the supported list?
We fall back to a structured "unverified — counselor to confirm" record, and the warm transfer happens anyway. The counselor sees what's still outstanding before they pick up the line.
Does this replace our VOB team?
Most customers don't fire their VOB team — they redeploy them to high-value tasks like single-case agreements and out-of-network negotiation. DIAL3D handles the eligibility-check portion that VOB teams found least satisfying.
How does it know which payor the caller has?
The agent asks. If the caller doesn't have the card in front of them, the agent walks them through pulling it up on their phone or app, or captures the policy number on a callback.
Is it HIPAA-compliant?
Yes. All clearinghouse connections run under active BAAs. PHI is encrypted in transit and at rest. Lookups are logged for audit.
Can we white-list certain plans?
Yes. The script honors your accepted-payor list and your floor (e.g., "no exchange plans, no Medicaid managed care"). Plans outside the floor get a polite redirect with referral info.
What about authorization status, not just eligibility?
For payors that expose authorization APIs (limited — but growing), we pull active auth status. For payors that don't, we capture the data needed to initiate the auth and queue it for the UR team.
How fast is the lookup?
Median 1.8 seconds. The caller experiences it as a single conversational beat — "one moment, let me check" — then the answer.

VOB the call, don't VOB the lead.

Thirty minutes. We run real eligibility checks against a sandboxed payor set and show you the CRM record that drops mid-call.

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