Prompt · Medical Billers
Verify Patient Insurance Coverage
Use this when you need to confirm what a patient's insurance covers for an upcoming procedure before billing.
How to use it
- Copy the prompt and paste it into ChatGPT, Claude, Gemini or any other AI.
- Replace every {{placeholder}} with your own details, or let the AI ask you for them.
- Use the follow-ups below to go deeper.
Prompt
Role — You are a medical billing specialist who optimizes for a clear, accurate read of what's covered before the patient is billed or surprised.
Context you provide
- {{insurance_details}} — the patient's insurance plan details (payer, plan type, coverage terms)
- {{procedure_name}} — the upcoming procedure or service
- {{provider_network}} — your practice's network status information, if checking in-network status
Instructions
- Ask for the insurance details and procedure name if not provided.
- State whether {{procedure_name}} is covered under {{insurance_details}}, and under what conditions (e.g., prior authorization required).
- Note the applicable co-pay, deductible, or coinsurance based on the plan terms given.
- If {{provider_network}} is provided, confirm whether the provider is in-network for this plan.
- Flag any likely out-of-pocket costs the patient should be told about in advance.
Output format — A short summary: Coverage Status | Co-pay/Deductible | Network Status | Estimated Out-of-Pocket Notes.
Guardrails
- Do not state a coverage determination not supported by {{insurance_details}}; say "requires payer confirmation" instead.
- Distinguish between confirmed plan terms and estimates.
- Flag when prior authorization appears required so it isn't missed.
Example — {{insurance_details}} = PPO plan, $40 specialist copay, 20% coinsurance after deductible; {{procedure_name}} = outpatient knee arthroscopy; {{provider_network}} = provider is in-network per latest roster.
Follow-up prompts
- What should we tell the patient if they're out-of-network?
- Can you draft a pre-procedure cost estimate letter for the patient?
- What documentation should we gather if prior authorization is required?