Health Harbor
Health Harbor is an AI-powered tool designed to automate billing processes for private medical practices. It streamlines the often time-con...
Last verified:
What is Health Harbor?
Health Harbor is an AI-powered platform that automates phone calls to health insurance representatives on behalf of healthcare providers. Instead of clinic staff spending hours calling insurance companies, Health Harbor's AI navigates automated IVR systems, waits on hold, and speaks directly with live insurance agents to retrieve critical information. The platform handles benefits verifications, prior authorization checks and submissions, and claim status follow-ups, returning results via API or web portal with full verification data including call recordings and transcripts.
Key features include two automation options: a fully automated AI Agent that handles entire calls for benefits verifications, prior auth, and claims status, plus an AI Copilot that navigates IVR and wait times then transfers to human staff to complete the call. The platform verifies results through multiple data points including representative names, reference numbers, call timestamps, transcripts, and recordings. Results typically return in 1 day with a 2 business day SLA, with urgent same-day options for requests submitted before noon ET.
Health Harbor serves in-office and telehealth mental health providers, medical providers, dental practices, behavioral health clinics, and pharmacy benefit managers. The API currently supports major insurers covering approximately 50% of US plans including UMR and Veterans Affairs, with monthly expansion. The platform is HIPAA certified and SOC 2 compliant, enabling private practices to compress revenue cycles from 4 weeks to 1 week while saving up to 40 hours of calls weekly compared to outsourced human solutions.
The tool is ideal for healthcare clinics struggling with administrative billing tasks, billing companies managing multiple practices, private equity firms managing private practices, and any provider who currently calls health insurance for eligibility verification, prior authorizations, or claim follow-ups. It eliminates surprise patient bills by verifying coverage for specific procedure codes before services are rendered.
Health Harbor pricing
Pricing model: Free
Health Harbor charges based on call complexity, urgency, and monthly volume. Complexity is determined by what information is needed (number of custom questions, number of procedure codes), not call duration. Urgent requests cost 2x non-urgent prices and return results same-day if submitted before noon ET; non-urgent requests return in 48 hours. For the AI Copilot (mental health callbacks): bulk purchases of 100+ calls cost $1 per call, individual calls cost $1.50 per call due to credit card processing fees. The first call to any number is free for trial. No explicit free tier or monthly subscription plans are advertised; pricing is custom based on volume and needs. Contact [email protected] for setup and custom pricing.
Health Harbor pros
- Eliminates need for staff to call insurance companies manually
- Saves up to 40 hours of calls per week compared to outsourced solutions
- More affordable than outsourcing to call centers at over 50% less cost
- 90% accuracy rate on fully automated results
- Handles 3,000+ fully automated calls daily
- Covers medical, behavioral health, and pharmacy benefits
- Supports any payor, any specialty, any call type
- Results typically return in 1 day with 2 business day SLA
- Urgent same-day results available for requests before noon ET
- Full verification with representative name, reference number, transcript, and recording
- HIPAA certified and SOC 2 compliant for data security
- API allows bulk inquiry submission and direct service integration
- Web portal for viewing results and listening to call recordings
- Compresses revenue cycles from 4 weeks to 1 week
- Prevents surprise patient bills by verifying procedure code coverage upfront
- Automates prior auth submissions via phone, not just status checks
- Handles AR follow-up to understand claim denial reasons
- _NORMAL_ates data and compares to historical results to identify outliers
- Automatically kicks off additional calls if inconsistencies detected
- Webhook notifications when results are complete
Health Harbor cons
- Currently covers only ~50% of US insurance plans
- 5% of cases unable to retrieve information (no charge for failed calls)
- Urgent requests cost 2x the price of non-urgent requests
- Complexity-based pricing makes cost estimation difficult upfront
- No free tier mentioned on pricing page
- Urgent same-day results only available if submitted before noon ET
- Payor maintenance/overload can cause delays beyond SLA 1-2 days monthly
- Phone mazes from top insurance providers can be complex to navigate
- Some payors make access particularly onorous or don't provide bulk access
- Callback must be answered promptly as insurance reps won't wait indefinitely
Frequently asked questions about Health Harbor
What does Health Harbor do?
Health Harbor uses generative AI to automatically call health insurance representatives on behalf of healthcare providers. The AI navigates insurance automated systems (IVR), waits on hold, and speaks with live agents to retrieve benefits verification information, prior authorization status and requirements, and claim status/denial reasons. Results are returned via API or web portal with full verification data including call recordings.
Which insurance companies does Health Harbor support?
Health Harbor's API currently supports major insurers covering approximately 50% of US plans, including UMR and Veterans Affairs. The company is actively expanding coverage monthly and expects to add more insurance providers each month. They support any payor, any specialty, and handle medical, behavioral health, and pharmacy benefits.
How long does it take to get results?
Requests typically return results in 1 day, with a 2 business day SLA. Non-urgent requests return in 48 hours. Urgent requests return results on the same day if submitted before noon Eastern Time. In rare cases, delays may exceed SLA due to payor system maintenance or overload, which historically occurs 1-2 days per month.
What types of insurance calls does Health Harbor handle?
Health Harbor handles three main types of calls: (1) Eligibility and benefits/insurance verification checks including plan activity, deductibles/maximums, and coverage for specific procedure codes; (2) Claims status checks including whether claims are not found, pending, paid, or denied, plus denial reasons; (3) Prior auth status checks including submission date, approval date, duration, and number of approved visits. They also submit prior auths via phone.
How accurate are Health Harbor's results?
Health Harbor achieves 90% accuracy on fully automated results. They retrieve results in approximately 95% of all covered cases. For the remaining 5% where information cannot be retrieved, they provide the reason why and do not charge for the call. Results are validated by normalizing data based on audio and transcripts, comparing to historical results to identify outliers, and automatically kicking off additional calls if inconsistencies are detected.
How do I verify that Health Harbor's information is accurate?
Health Harbor provides multiple verification data points: the name of the representative(s) spoken with, their reference number(s), the date and time the call took place, full call transcripts for quick conversation review, and complete call recordings so you can verify the source data your results are based upon. This enables you to audit and confirm the accuracy of the information.
What automation options does Health Harbor offer?
Health Harbor offers two automation options: (1) AI Agent - fully automated AI that speaks to live reps for benefits verifications, prior auth, and claims status without human involvement; (2) AI Copilot - AI navigates IVR systems and waits on hold, then transfers to your staff to complete the call. The Copilot saves staff 15 minutes to 1 hour on hold times, especially for challenging insurers like BCBS.
Who is Health Harbor for?
Health Harbor serves in-office and telehealth mental health providers, medical providers, dental practices, behavioral health clinics, and pharmacy benefit managers. It targets healthcare providers including single practices and billing companies seeking to automate insurance-related administrative tasks. The tool is ideal for private practices, clinics struggling with billing administration, and private equity firms managing private practices.
Is Health Harbor HIPAA compliant?
Yes, Health Harbor is fully HIPAA certified and SOC 2 compliant to ensure data security and privacy. For the AI Copilot specifically, once you're connected to the human representative, Health Harbor disconnects their system from the call, ensuring compliance.
How do I get started with Health Harbor?
To get set up with Health Harbor, contact [email protected] and they will set up API credentials for you. For the AI Copilot, the first call to any number is free so you can try it without risk. After that, you pay per call - $1 per call for bulk purchases of 100+ calls, or $1.50 per call individually. Contact them and you'll get a response within 1 business day.