Insurance Frequently Asked Questions

Human API is the first consumer-controlled health data platform that gives consumers a simple way to connect and share their health data with businesses. Our business customers (both health enterprises & start-ups) use our products & solutions to build and deliver consumer-centric apps and services.

Watch this 20-minute overview (opens new window) of our platform.

Human API offers a faster, less invasive way for your clients to electronically share their medical records with your firm and carriers. Your client could vastly cut down on the time to receive a policy by participating in this process, with minimal effort on their end. Our intuitive, user-friendly process is designed to maximize conversions and engagement.

After your client receives your unique Human API URL (mydigitalrecords.com/yourfirm), they will be guided through an intuitive, user-friendly process to connect their patient portal accounts and share their medical data.

If we’re able to connect to the patient portal indicated by your client, we will receive all of the available electronic medical information from that specified provider. This information typically includes diagnoses, medications, procedures, tobacco/alcohol use, vital signs, etc.
We gather the client's Continuity of Care Document (CCD), a file made available by EHR vendors that our system collects when an applicant authorizes us to retrieve it from their patient portal. If a client were to log into their patient portal to see their health information without downloading their data, they may be limited only to the data elements selected to be visually displayed by their health facility.

Once we’ve downloaded the medical records, stakeholders (generally the carrier, agency, and client) can access and view all the available information.

No! Your client’s data will never be sold or shared with any non-related third-party companies without your client’s explicit consent. Your client’s data will only be used for underwriting purposes, which could potentially accelerate time-to-issue and increase your placement rates. We put consumer consent and control at the center of our platform and will protect your applicant’s privacy at all costs.

Read more about our consumer data security and privacy policy at this link.

That is completely fine! It is up to the client whether they want to participate or not. Your client’s decision will not impact the outcome of their insurance application, though they may miss out on an opportunity to expedite the application process.

Human API has an entire support team dedicated to answering your client’s questions via the Live Chat during the authorization process. Live Chat is embedded within the provider search experience and is directly available to your clients every day from 9 AM - 8 PM EST.

Within our platform, they will be guided to their patient portal website to create their accounts or recover their username and/or password if they don’t remember them. Our support team is also available to help guide them throughout the entire process!

Please direct your clients to help@humanapi.co if they are having trouble accessing the site.

No! The patient portal connection process works as an e-authorization that satisfies HIPAA requirements. By sharing their EHR data through Human API, your client is giving their consent. Say goodbye to paper forms!

You will have access to your client’s data for as long as they want. Because we put each consumer in full control of their own EHR data, your clients can grant and revoke access to their data at any time.

Our data network includes 90% of inpatient U.S. hospitals, patient portals, clinics, doctor offices, pharmacies and labs, and 300+ wearable devices and fitness apps, covering 264 million American lives. For more information on our network, please visit this link.

No, our platform is not a magic bullet for all medical data. We’ve found that for our current carrier partners, our data can replace an APS anywhere between 50% - 85% of the time. However, due to varying underwriting guidelines and patient portal data variability between different healthcare providers, the information may or may not be enough to replace an APS.

Most of the time, EHR data will be available in minutes after your client connects their patient portal accounts. Occasionally, due to variability across different patient portal technologies, it can take longer to gather the data. Our team internally monitors data sync times and actively works to ensure the data is retrieved as quickly as possible.

No! That is entirely up to them. Many consumers choose to create an account with us so they can view and manage all their EHR data in one place for free, but it’s not necessary if they just want to share their EHR data.

We’ve built over 20,000 unique integrations which we manage, maintain, and evolve over time so that you don’t have to worry about it. Given the diversity of health data sources, we take a hybrid approach to retrieving data from across the ecosystem. We use existing digital interfaces (patient portals, apps, APIs) and the user's already existing credentials to access and connect to their data.

Examples of methods we employ may include some or all of the following:

  • APIs (including open standards like FHIR)
  • Patient portals
  • Data Partnerships
  • Health Information Exchanges (HIEs)

To maximize human potential by radically accelerate the pace of health innovation.

To create health data liquidity valued by customers, controlled by consumers.