For WISeR participants & coverage-decision AI — the human review rail

Prove your humans are real.

Your model flags the case; a licensed clinician must make the call — CMS requires it, and the politics now require you to prove it. The Review Rail is state-matched, NPI-verified physician review delivered as an API, with a tamper-evident receipt for every determination that anyone can verify without trusting you — or us.

Start the two-week pilot conversation

The standard

What counts as real human review

CMS's WISeR model requires the review of a human clinician on every non-affirmation — it cannot be performed solely by technology, and inaccurate determinations are audited, quality-scored, and terminable. The AMA's 2026 policy requires meaningful human oversight: physician-led, transparent, auditable. Both name the requirement. Neither publishes the test for whether a review actually happened. Here it is — five things, all provable. Measure any vendor against them, including us.

  1. Licensed and matched. A clinician with relevant expertise — matched to the case's state and specialty — makes the call on every adverse determination, and the license is verified against CMS NPPES at the moment of signing. Not a model, and not a model with a signature bolted on afterward: "a physician reviewed this" is a fact you can prove, not a claim you make.
  2. Independent. The reviewer is organizationally independent of the developer of the AI under review, and compensation never depends on the direction of the verdict. A vendor grading its own homework is governance, not review.
  3. Engaged — measured, not assumed. Double-review calibration, a published rubric, disclosed inter-reviewer agreement — because the failure mode of "human review" is the rubber stamp, and the only defense is a number an auditor can inspect.
  4. Receipted. Every determination leaves a tamper-evident record — what was reviewed, the verdict, the reviewer's credential class, the timestamp — generated by an API call the decision can't skip. The artifact you hand an auditor, a payer, or a court, and it holds without trusting you or us.
  5. Durable. Receipts are anchored into a public registry countersigned into Bitcoin daily and retained for the full audit period — the proof survives any dispute, any vendor, any of us.

The test that settles it: if the human can be removed "whenever a health system chooses," the human was a cost, not a control — and a removable human is not real human review. The Review Rail is built so the human can't be quietly subtracted. The receipt is the product. These five are v1.0 of a published, hash-anchored standard — The Five Tests of a Real Review — free for anyone to adopt, meet, or exceed, including our competitors.

What you get, per determination

The two-week pilot

  1. Week 0: pick 50 real determinations (de-identified as your counsel requires). We staff state-licensed reviewers and calibrate them on a shared rubric.
  2. Weeks 1–2: every artifact double-reviewed independently; disagreements adjudicated by a senior physician; every verdict receipted at signing.
  3. Delivery: verdicts, inter-reviewer agreement statistics, a measured detection rate on seeded known-bad cases (the number a rubber-stamp rail can't produce), and a receipt per artifact — the exact packet a procurement questionnaire, a regulator, or a reporter asks for. Fixed price, no commitment beyond it.
Straight answer on capacity: the reviewer network is staffed per engagement from an NPI-verified physician pool and scales state by state — we commit to pilot staffing within the two-week window, and we publish our coverage rather than claim it. Clinical review is delivered by a physician-owned practice; the software and receipts are the rail.

The pilot is scored against a published, hash-anchored standard: The Five Tests of a Real Review — licensed and matched, independent, engaged (measured), receipted, durable. Free for anyone to adopt, including your other vendors; we meet it test by test.

Why this exists

Six companies now run AI-assisted prior authorization for Medicare in six states — Arizona, New Jersey, Ohio, Oklahoma, Texas, Washington — paid on averted expenditures, required to put a licensed clinician behind every non-payment recommendation, while a repeal bill and litigation ask whether the humans in the loop are real. And the services under review are spine and pain: epidural steroid injections, cervical fusion, vertebral augmentation, lumbar decompression, knee arthroscopy, nerve-stimulator implants — cases where the reviewer's specialty is the whole question. The requirement is no longer only federal, either: in 2026, seven states wrote licensed-human review of AI coverage decisions into general insurance law — Colorado's statute requires a reviewer "competent in the relevant clinical area" (specialty-matching, by law), and Maryland now requires quarterly reporting on AI-assisted denials, which is exactly what receipts feed. Free AI drafting has made unsigned clinical output universal. The scarce thing is no longer the model's opinion; it is the licensed signature and the proof. We sell the signature, with the proof attached.

Your state's law, and the mechanism that meets it