Health insurers, third-party administrators, and integrated payer-provider networks operate on dense, fast-changing rule sets: medical necessity, plan benefits, prior authorization, exclusion clauses, fraud and waste indicators. This playbook shows how to construct a regulator-grade rule checker on VDF AI — using a Custom API, intent templates, and carefully crafted system prompts — that runs entirely inside your network, with every decision traceable.
Most payers already own the assets: a deterministic rule engine, plan booklets, a member master, claims history. What they lack is a way to compose those assets into a transparent, auditable adjudication network without shipping PHI to a public API. VDF AI is the orchestration layer that wraps your rule engine as a tool, grounds reasoning in your indexed policies, and ships a regulator-ready evidence pack with every decision.
Claim adjudication, medical necessity, and plan benefit rules change every quarter. Hand-coding them into legacy decisioning systems is slow, error-prone, and opaque to regulators. SaaS AI vendors can't see protected health information, and shipping PHI to a public API is rarely an option.
You bring your rule set, your plan documents, and your claims schema. VDF AI gives you a Custom API, an intent template, agent definitions, and a Network that ties them together — all running on your hardware, governed by SEEMR.
Payer organizations are simultaneously being pushed in two directions. Regulators in the United States, the EU, and the Gulf are demanding faster turnaround on prior authorization and clearer evidence trails on denials. At the same time, AI use in healthcare is rapidly moving from "experimental" to "regulated activity" — covered by the EU AI Act, by NAIC model AI bulletins, and by emerging state-level disclosure laws.
That combination makes a black-box adjudication assistant a non-starter. Every clinical, plan, and exclusion decision needs to point to a specific clause, a specific rule, and a model whose behavior is governed. The VDF AI rule checker is built to meet that bar: intent templates decompose a claim, Custom HTTP tools call your deterministic engine, Private RAG grounds reasoning in plan booklets and CMS guidance, and SEEMR routes each sub-intent to the right model.
From AgentsHub → Tools, click Add HTTP Tool. Point it at your internal endpoint (for example POST /rules/check) and declare its JSON schema so the agent can call it safely. Agents do not learn to parse undocumented APIs — they pick from a typed catalog, and the schema is your control surface for what is and is not allowed during a run.
If you operate multiple lines of business (commercial, Medicare Advantage, Medicaid), register one tool per LOB or pass a line_of_business parameter and switch behavior server-side. Either pattern keeps the audit trail clean and lets SEEMR learn LOB-specific routing.
{
"tool_name": "health_rule_check",
"endpoint_url": "https://rules.internal/v1/check",
"http_method": "POST",
"auth_method": "bearer_passthrough",
"parameters_schema": {
"type": "object",
"properties": {
"plan_id": { "type": "string" },
"claim": { "type": "object" },
"context": { "type": "object" }
},
"required": ["plan_id", "claim"]
}
} VDF AI stores the tool in tool_catalog with tool_type='http' and merges it into the agent catalog — visible only to the owner or to your domain.
Intent templates teach Networks v3 how to decompose a request. For adjudication, the template names the sub-intents (eligibility, medical necessity, plan benefit lookup, exclusion check, fraud signal) and the tools each sub-intent is allowed to call. The template is the unit of governance — change the template and you change the whole network's behavior, with a versioned audit trail.
Keep templates small and composable. A complex prior-authorization workflow is just an adjudicate-claim template that conditionally invokes a prior-authorization template when a procedure code requires it. Reuse beats one-off pipelines every time.
member_lookup + policy_statushealth_rule_check + RAG of clinical guidanceThe system prompt encodes how the agent must reason, justify, and cite. Keep it deterministic and auditable. The goal is not creativity — it is reliable evidence packaging. The prompt should specify the exact JSON shape of the output, the citation requirement, the escalation conditions, and the explicit "do not" guardrails.
You are a Health Insurance Rule Checker.
Always:
- Quote the plan clause and CMS reference verbatim.
- Call health_rule_check before producing a decision.
- Return JSON: {decision, reason, citations[], confidence}.
Never:
- Speculate beyond the rule set.
- Reveal PHI outside the requested fields. Use VDF Data's Vector DB Builder to chunk and embed plan booklets, schedules of benefits, and regulator guidance into a pgvector index. Bind that index as a rag_vector_query tool inside the Network.
In Network Labs, drop the Rule Checker Agent, the RAG retriever, and the Custom HTTP Tool onto the canvas. Bind them to the adjudicate-claim intent template. SEEMR then governs which model handles which sub-intent — high-stakes adjudication on your private high-capability model, retrieval on a small, energy-efficient SLM.
Every claim flows through Network Flow with timing, success rate, and per-node logs visible in real time. Reviewers can pause auto-scroll, replay a run, or escalate to a human.
faster first-pass adjudication on routine claims, with no PHI leaving the network.
of decisions carry plan-clause citations and rule-engine evidence — ready for any audit.
energy reduction via SEEMR routing routine sub-intents to small private models.
Every adjudication run is a signal. SEEMR's Model Governance and Knowledge Graph learning modes re-balance which model handles which sub-intent, expose drift on plan amendments, and protect cost and energy ceilings.
No. The entire pipeline — connectors, vector indexes, agents, and the rule engine call — runs inside your VDF AI deployment. Models can be cloud-hosted if you choose, but you also have the option to use fully on-prem or air-gapped models. PHI and PII never leave the perimeter unless your domain policy explicitly allows it.
Plan documents and CMS guidance are re-indexed on a schedule (or on demand) by VDF Data. Effective dates are captured in the Living Knowledge graph, so the Rule Checker Agent retrieves the version of a clause that was current at the date of service. SEEMR re-balances routing when drift is detected.
Yes — and that is intentional. VDF AI does not replace your deterministic rule engine. It wraps your engine as a Custom HTTP tool, then layers reasoning, citation, and evidence packaging around it. The result is a hybrid system where deterministic logic remains authoritative and the AI handles ambiguity, retrieval, and explanation.
Every adjudication is replayable in Live Execution Monitoring. The reviewer can see the input claim, the intent decomposition, every retrieved chunk, every rule-engine call, the model selected by SEEMR for each sub-intent, and the final structured decision with citations.
Whichever models you register. Most deployments mix a high-capability private model for medical necessity reasoning with smaller SLMs for routine eligibility and benefit lookups. SEEMR routes per sub-intent based on outcomes, cost, latency, and energy.
Pilot networks usually run in production within four to six weeks: one week to register sources and tools, two weeks to author intent templates and prompts, one to two weeks of Accuracy Testing on golden datasets, and a final cutover week. Larger payer rollouts run quarter-by-quarter by line of business.
Tell us what you’re trying to achieve—governed AI Networks, enterprise RAG, deep integrations, or on‑premise deployment. We’ll help you map the right architecture, security posture, and rollout path. If you’re moving beyond AI pilots and need scalable, auditable execution, reach out—our team is ready to help.