Explainers

plain answers, with the sources

Plain answers to questions physicians and practice leaders ask about AI in medicine. Every fact links to its source, each page shows the date it was last reviewed, and each ends with what would change the answer.

  • Reviewed Sept 30, 2026Can my insurer use AI to deny a claim?

    Yes, as an aid, within limits that depend on the type of coverage: Medicare Advantage plans may use algorithms to assist coverage decisions, but a medical-necessity denial must rest on the patient's own circumstances and be...

  • Reviewed Oct 1, 2026Do doctors have to tell patients when AI is used?

    No federal law requires physicians to tell patients in general that AI was used in their care, as of Sept. 30, 2026 (ASTP/ONC; 45 CFR 92.210).

  • Reviewed Oct 1, 2026Are AI health coaches and wearables regulated?

    Wearables and AI coaching apps that make only general wellness claims, such as tracking sleep or exercise, are generally outside FDA device rules, while features that diagnose or detect disease, such as a smartwatch ECG that...

  • Reviewed Oct 1, 2026Is ChatGPT HIPAA compliant?

    No software is HIPAA compliant on its own. HIPAA governs how doctors, hospitals, health plans and the companies working for them handle patient information, and a clinician at a HIPAA-covered practice or hospital generally may...

  • Reviewed Sept 28, 2026Who is liable when an AI scribe makes an error?

    The clinician who signs the note, according to every medical board, malpractice insurer and scribe vendor statement found. No published court decision on an AI-written note was found as of Sept. 28, 2026.

  • Reviewed Sept 28, 2026How does Medicare pay for AI?

    Software without its own billing code is paid within the service it supports, such as the scan or the hospital stay. A handful of AI services have their own codes and payment rates; in hospital outpatient departments, Medicare...

  • Reviewed Oct 13, 2026What does the Rural Health Transformation Program pay for?

    The program gives the 50 states $10 billion a year for fiscal years 2026 to 2030 to spend on at least three of 10 uses Congress listed, from chronic disease prevention and clinician recruitment to technology, including training...

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