It helps to start with what the AI is not doing. It is not checking eligibility; that is a standardized transaction that has worked the same way for twenty years and costs a few cents. If a vendor's AI story is "we check eligibility automatically," they are describing the clearinghouse.
How a vendor sequences the three jobs matters more than whether it does them. A tool that interprets and fills gaps first, and calls only when nothing else answers, resolves most verifications in seconds. A tool that calls first scales its cost with every verification.
