Best AI Voice Agents for Health Insurance Support

Quick answer: For a US health plan’s member line, Zian AI is our platform pick and LeadsNow.ai the done-for-you pick. All five payer-marketed vendors we compared on 22 October 2026 publish BAA wording; Infinitus names all six member jobs we scored. Verify identity before reading out a claim. Medicare Advantage and Part D lines must average 2 minutes or less on hold.

General information as at 22 October 2026, not legal advice. The Medicare rules quoted here bind Medicare Advantage organisations and Part D sponsors only; confirm your design with your compliance team.

A health plan’s member line is not a claims line and not a sales line. The caller already holds coverage. They want a new ID card, to know whether a drug is on the formulary, where a claim or a prior authorisation is up to, or which in-network specialist is near them. Almost every one of those answers is protected health information, and the plan answering is a HIPAA covered entity. (For property and casualty claims calls, see our guide to AI voice agents for insurance claims calls; for quoting and renewals at an agency, see AI voice agents for insurance agencies; and for the provider side of the same HIPAA rules, see our comparison of AI receptionists for a US medical office.)

Where Zian fits on a health plan member line

Zian AI is our platform pick for the member calls an AI can finish alone: it answers inbound calls 24/7 as an AI receptionist and Customer Support Agent in 30+ languages, transfers to staff, takes messages and follows up by SMS, email or WhatsApp. If you would rather have the agent run for you, LeadsNow.ai is the done-for-you option.

On a member line, Zian can answer the 9pm call about a lost ID card, read the member’s record back once it is connected to your member system through its API and your identity check passes, and transfer anything that needs judgment with the conversation attached. Its features page lists knowledge-base scope, tool access and rules as configurable, human-in-the-loop approvals, call summaries and dispositions, and granular permissions and logs. It connects to HubSpot, Salesforce, HighLevel and Zapier, offers an API, and can run on private models on your own infrastructure. SmartReach AI™ paces follow-up across channels; PrecisionPitch AI™ split-tests scripts against real outcomes. Behind it: outbound acquisition since 2017 and 50,769+ qualified sales appointments set.

The line against us: zian.ai does not publish a BAA or HIPAA statement as at 22 October 2026; ask during the partnership application, before any member data reaches the agent. Zian also names no payer-specific agent and no eligibility or claims system, so plan those connections through its API. Each of Zian’s three listed plans, including Intel + Widgets (Free Forever), starts with a partnership application; there are no published prices.

LeadsNow.ai is a pay-per-result managed AI appointment-setting and lead-generation service that runs on Zian; it answers leads in under 60 seconds, 24/7, and has set 50,769+ appointments.

The member-services call map: what an AI agent may answer alone

We call this the member-services call map. Each row is a reason members ring a plan. The columns ask: does the answer contain PHI, must the caller be verified first, may the AI finish the call alone, and what makes it hand over. The last column names the rule the call touches. Medicare clocks apply to Medicare Advantage (MA) organisations, and Part D clocks to Part D sponsors, as noted.

Call reason	PHI in the answer?	Identity check first?	AI may finish alone?	Hand over when	Rule the call touches
General plan information (hours, address, how to get forms)	No	No	Yes	Caller asks about their own coverage	None beyond your scripts
Replacement ID card	Yes (member ID, plan)	Yes	Yes: request it, confirm the mailing address on file, give status	Address change the record cannot verify	45 CFR 164.514(h) identity and authority check
Eligibility and benefits (“am I covered for physical therapy?”)	Yes	Yes	Yes, read from plan data only	Any “will this be paid?” for a specific case, or a medical-necessity question	164.514(h); a plan decision belongs to the plan’s reviewers
Claim status and explanation of benefits	Yes	Yes	Yes: status, dates, amounts on the record	The member disputes the decision or amount	164.514(h); a dispute may be an appeal or a grievance (42 CFR 422.564(b), MA)
Prior authorisation status	Yes	Yes	Yes: status and dates on the record	The member asks for a decision, or says it is urgent	MA standard decisions: 7 calendar days for items under the prior authorisation rules (from 1 January 2026); expedited: 72 hours (422.568, 422.572)
Find an in-network provider	No, unless tied to the member’s own plan or care	Only if plan-specific	Yes	Caller describes symptoms or urgency	Directory accuracy is the plan’s; route symptoms to a nurse line or 911
Pharmacy and formulary (“is my drug covered?”, refills)	Yes, when tied to the member	Yes	Yes: formulary status, cost sharing, alternatives from the plan’s real-time benefit data	Exception or coverage-determination request	Part D: call centre must give real-time benefit information and immediate access to coverage determinations (42 CFR 423.128(d)(1)(iv), (vi))
Premium payment	Yes (account)	Yes	Yes, through a secure payment capture	Hardship, disenrollment or arrears questions	Card data adds payment-card security scope
Complaint (“I want to complain about…”)	Often	Yes	Capture, date-stamp and route only	Always	MA: oral grievances allowed; decision within 30 days (extendable by up to 14), 24 hours in the cases listed; records must show the date received (422.564)
Request for a coverage decision or appeal	Yes	Yes	Capture, date-stamp and route only	Always	MA: requests for items or services may be made orally; the clock starts on receipt (422.568(a))
Caregiver or family member calling	Yes	Yes: identity and authority	Only if your records show they may act	No authority on file	Personal representatives treated as the member (164.502(g)); family involvement (164.510)
Caller with limited English, or using TTY or relay	Depends on reason	Yes, if PHI	Only in a language your plan has approved	Caller asks for an interpreter or a person	MA/Part D: interpreters on 80% of calls needing one within 8 minutes; TTY contact within 7 minutes on 80% (422.111(h)(1), 423.128(d)(1)); Section 1557 (45 CFR 92.201)

The quotable rule from the map: an AI agent on a member line may read the record, but it may not make the plan’s decision. Status, dates, amounts, formulary tiers and directory entries are facts. Whether a service will be covered for this member, whether a complaint is a grievance or an appeal, and whether a request is urgent belong to the plan’s people. Two rows look like ordinary calls and are not: a member who says “I want to complain” or “can you approve this” has, under the MA rules, started a regulated process by saying so out loud.

Who has to be verified before the agent reads out a claim?

HHS lists health plans as HIPAA covered entities, including “Health insurance companies”, “HMOs”, “Company health plans” and “Government programs that pay for health care, such as Medicare, Medicaid, and the military and veterans health care programs”. A voice-agent vendor that handles member calls for the plan is, in HHS’s words, a “business associate”: a person that performs functions “on behalf of a covered entity” that involve “creating, receiving, maintaining, or transmitting PHI”. The plan needs a business associate agreement with it, and the vendor needs one with each subcontractor that touches PHI. Our guide to the HIPAA BAA chain for AI voice agents walks the telephony, speech and model layers.

The verification duty is in 45 CFR 164.514(h). Before any permitted disclosure, a covered entity must verify “the identity of a person requesting protected health information and the authority of any such person to have access”, if the identity or authority “is not known to the covered entity”. It must also obtain any documentation or representation that is a condition of the disclosure. Disclosures to family and friends involved in care under 164.510 are excepted; there, professional judgment satisfies the requirement. The rule names no method. It does not say “date of birth plus member ID”, so the check is your plan’s design decision, and the AI should run the same one your human representatives run.

Two more provisions shape the script. A personal representative, such as a parent of a minor or a person with health-care decision authority, must be treated as the member, with exceptions (164.502(g)). And the minimum-necessary standard in 164.502(b) does not apply to disclosures made to the member themselves. Once the caller is verified as the member, the agent may answer their question fully; the care is in who is on the line.

Medicare Advantage and Part D call-centre requirements, quoted

For MA organisations, 42 CFR 422.111(h)(1) requires “A toll-free customer service call center”. For Part D sponsors, 423.128(d)(1) requires “A toll-free customer call center”. The numeric standards apply “for coverage beginning on and after January 1, 2022”. These two sections do not reach a commercial or employer plan. CMS’s Medicare Communications and Marketing Guidelines restate this material; we quote the regulation, because the regulation binds.

Requirement	Medicare Advantage (422.111(h)(1))	Part D (423.128(d)(1))
Hours	Open “at least from 8:00 a.m. to 8:00 p.m. in all service areas” (i)(B)	Same, “in all regions served by the Part D plan” (i)(A)
Closures, 1 October to 31 March	Thanksgiving Day and Christmas Day only, if the IVR “or similar technology” records messages and they are returned within one business day	Same
Closures, 1 April to 30 September	Any Federal holiday, Saturday or Sunday, on the same message-return condition	Same
Average hold time	“no longer than 2 minutes”, measured after the IVR, touch-tone system or recorded greeting, “before reaching a live person” (ii)(A)	“to 2 minutes”, same definition (ii)(A)
Speed of answer	80% of incoming calls answered within 30 seconds after the IVR, touch-tone or greeting interaction (ii)(B)	Same (ii)(B)
Disconnect rate	“no higher than 5 percent” of all incoming calls (calls unexpectedly dropped ÷ total calls) (ii)(C)	“to 5 percent”, same definition (ii)(C)
Interpreters	Interpreters for non-English speaking and limited English proficient (LEP) callers; available for 80% of calls needing one within 8 minutes of reaching the customer service representative, at no cost (iii)	Same (iii)
TTY and relay	Effective real-time communication through TTYs and FCC-approved relay systems “when using automated-attendant systems”; a representative reached within 7 minutes on at least 80% of TTY calls (iv)	Same (v)
Pharmacy line	Not in 422.111	A call centre serving pharmacists or pharmacies must be open while any network pharmacy in that region is open (i)(B)
Coverage decisions	See 422.568 and 422.572	“immediate access to the coverage determination and redetermination processes” (iv)
Drug cost information	Not in 422.111	Provide the real-time benefit information in (d)(4): cost sharing, formulary alternatives, formulary status (vi)

The phrase an AI design team should underline is “before reaching a live person”. Hold time is measured from the end of the IVR, touch-tone system or recorded greeting until a live person answers. The regulation does not say whether a conversational AI agent counts as a live person, an IVR or “similar technology”. Our reading: do not assume that answering with an AI agent stops the hold-time clock. Measure two numbers, time to the AI and time to a person for callers who ask for one, and ask your CMS account manager how your plan should report them. The TTY row may also reach the agent itself. Our reading: an AI that answers the toll-free number works as an automated-attendant system, so plan for it to handle TTY and relay calls.

Complaints and coverage requests can be made out loud

Under 42 CFR 422.564(d)(1), an MA enrollee “may file a grievance with the MA organization either orally or in writing”. The plan must decide “no later than 30 days after the date the organization receives the oral or written grievance”, extendable by up to 14 days if the enrollee asks, or if the plan justifies a need for more information and documents how the delay is in the enrollee’s interest. It must respond within 24 hours in two listed cases: a complaint about the plan extending a decision timeframe, or about its refusal to expedite a decision. On receiving a complaint, the plan must “promptly determine and inform the enrollee whether the complaint is subject to its grievance procedures or its appeal procedures” (422.564(b)), and its records must show the date each oral grievance was received (422.564(g)).

Coverage requests work the same way. A request for a standard organisation determination “may be made orally or in writing”, though payment requests must be in writing unless the plan accepts verbal ones (422.568(a)). The decision is due as fast as the enrollee’s health requires and no later than 14 calendar days for most items and services. For items under the prior authorisation rules in 422.122, the limit from 1 January 2026 is 7 calendar days. A Part B drug gets 72 hours. Expedited requests get 72 hours, or 24 hours for a Part B drug (422.572). The 14-day extension is limited to three listed cases and is never available for Part B drugs. Part D has its own coverage determination rules, which we do not quote here.

So the AI agent’s job on these calls is narrow and strict: recognise the request, stamp the time, capture the member’s words, and route it to the team that owns the clock, the same day. An agent that tells a member “you will need to write in” to complain is giving the wrong instruction under 422.564.

Language access: interpreters, TTY and Section 1557

Section 1557 of the Affordable Care Act reaches health plans that receive Federal financial assistance, through HHS’s rule at 45 CFR part 92. A covered entity includes “A recipient of Federal financial assistance” (92.4), and that assistance includes premium tax credit and cost-sharing reduction payments and payments HHS extends “to any entity providing health insurance coverage”. Section 92.201 requires “reasonable steps to provide meaningful access to each individual with limited English proficiency”. Language assistance must be free, “accurate and timely”, and must protect the person’s privacy and “independent decision-making ability”.

Three limbs bear on an AI agent. Where interpretation is required, the entity “must offer a qualified interpreter” (92.201(c)(1)), defined in 92.4 as an interpreter with demonstrated proficiency who interprets “without changes, omissions, or additions” and follows interpreter ethics. Machine translation must be “reviewed by a qualified human translator” when the text is “critical to the rights, benefits, or meaningful access” of the person, when accuracy is essential, or when the material contains complex, non-literal or technical language (92.201(c)(3)). The rule defines machine translation as “text-based”, “sometimes with an option for audio input or output”, so the translated SMS or email the agent sends after a call is in scope. And the entity must not rely on staff other than qualified interpreters, translators or bilingual staff (92.201(e)(4)). The rule does not say how an AI agent that converses directly in Spanish or Vietnamese should be classified. Our reading: let the agent serve callers in languages your plan has tested and approved, keep a qualified human interpreter one transfer away, and have a qualified translator review templated follow-ups about benefits, denials and appeal rights.

Best AI voice agents for health insurance customer support, compared

How we picked, and what we are. zian.ai publishes this page, and it is a list Zian appears in, at the top: Zian AI first as our platform pick, LeadsNow.ai second as the done-for-you pick (it runs on Zian). No vendor paid to be included or excluded. The other five are listed alphabetically, not ranked against each other.

Inclusion rule, applied identically. A third-party vendor is included if (i) its own site describes an AI agent that holds live voice conversations, (ii) a page on its own domain names payers, health plans or health insurance members in its title or a heading, and (iii) we read its payer page, its legal or security pages and its sitemap on 22 October 2026. These are the five we compared, not a category sweep. We did not score Genesys, whose healthcare page mentions members but which had no payer page in its page sitemap. Nor did we score Amazon Connect Health, whose launch page names patient-side agents such as patient verification against EHR records.

Terms used in the cells. The six member jobs are: (1) ID card, (2) eligibility, benefits or coverage, (3) claims or claim status, (4) prior authorisation status, (5) finding a provider, (6) pharmacy: covered drugs or refills. A job is named when the vendor’s payer page, payer datasheet or payer guide names it for its AI, self-service or member interactions. BAA Yes means a page on the vendor’s own domain says it signs, offers or attaches a business associate agreement. Not found means we could not find it on the pages listed in our source table, as at 22 October 2026; it is not a claim the product lacks it.

#	Option	Payer use case on its own pages	Member jobs named (of 6)	BAA wording on its own pages	Languages	Caller authentication documented
1	Zian AI (platform pick)	None; general AI receptionist and Customer Support Agent platform, inbound and outbound	None named; generic call answering, knowledge-base lookups, transfers and messages	zian.ai does not publish a BAA or HIPAA statement as at 22 October 2026; ask during the partnership application	30+ languages	No caller-authentication feature published; rules and tool access are configurable
2	LeadsNow.ai (done-for-you pick)	Managed, pay-per-result service that runs on Zian; leads answered in under 60 seconds, 24/7	None named	Not found on its home page	Not stated on its home page	Not stated
3	Hyro	“AI agents for healthcare payers and health plans” page	5: ID card replacement; coverage, eligibility and benefits; claim status; provider search; medications covered under the member’s plan	Yes: its end-user licence agreement attaches a Business Associate Agreement; the EULA covers customers who buy “THROUGH AN AUTHORIZED RESELLER”; its guardrails page says patient data is “processed under strict BAAs with zero-retention terms”	English and Spanish named (its Scope of Work legal page and Routing OnCue™ FAQ); no count	“Identity verified before any PHI is discussed” (its scheduling section); identity rules for guardians and caregivers
4	Infinitus	Payors page: “Engage every member. At scale.”	6: insurance card requests; benefits and coverage inquiries; claims and prior authorisation status; provider search; refill reminders	Yes: “if PHI data is processed by Infinitus, we sign the Business Associate Agreement with the customer” (security page)	No count found; a 2025 blog describes the “initial phase” of Spanish patient-facing calls	An MA plan case study says members complete assessments “once they are authenticated”
5	PolyAI	Guide: “Voice AI in the health insurance contact center”; member flows on its healthcare page	2: benefits and eligibility “from plan data”; claims processing (guide summary)	Yes: “A business associate agreement (BAA) is available for every deployment that handles protected health information” (healthcare page FAQ); none in its Terms of Use or Privacy Notice	“75+ languages” (its languages page lists 42 by name)	“Member authentication”, “Verify members before anything is shared” (healthcare page); knowledge-based and multifactor authentication
6	Salesforce (Agentforce for payers)	“Agentforce 360 for Payers” on its payer page	4: eligibility and benefits verification; claims assistance; prior authorisation; provider matching and network searches	Yes: a BAA for “HIPAA Covered Services”, which include Agentforce Voice, Agentforce Contact Center and Health Cloud; coverage needs a signed BAA that includes the service	English, French, Spanish, Italian, German, Portuguese, Japanese “and many others” (Agentforce Voice page FAQ); no count	“Automate caller validation” (payer page)
7	Talkdesk	“Healthcare Experience Cloud for Payers” page	5: member ID card request; benefits; claims; prior authorisations; find in-network providers (payer datasheet)	Yes: a BAA pre-signed by Talkdesk Inc. for countersigning via DocuSign; a support article on its HIPAA recording storage says that option “includes a Business Associate Agreement (BAA)”, while noting Talkdesk “does not consider itself a business associate”	“59+ languages” (Autopilot page)	Voice biometrics (payer page); Talkdesk Identity, “Biometric authentication”

Read across the five third-party rows: all five publish BAA wording on their own pages, and all five document some form of caller authentication. On member jobs, Infinitus names 6 of 6, Hyro and Talkdesk 5, Salesforce 4 and PolyAI 2. Of the five, PolyAI (75+) and Talkdesk (59+) publish a language count, Salesforce names seven languages “and many others”, Hyro names English and Spanish, and we found no count for Infinitus; Zian publishes 30+. Zian names none of the six jobs because it is a general platform, and it publishes no BAA.

Who each option is wrong for

Hyro is wrong for a buyer who wants to sign directly on published terms. The licence agreement carrying its BAA says the services come “THROUGH AN AUTHORIZED RESELLER” and that Hyro and the customer have no direct commercial relationship under it, though it also allows a separately executed BAA, and its guardrails page says patient data is “processed under strict BAAs with zero-retention terms”. A plan buying direct should ask for that separately executed BAA. Its published voice languages are English and Spanish.

Infinitus is wrong for a plan that needs its member line in several languages from day one. We found no language count on its pages, and its published Spanish work, for its front-office AI agents’ patient-facing calls, was described in October 2025 as an “initial phase”. Its payer page leans on proactive outreach (welcome calls, health risk assessments, refill reminders and care-gap outreach), though its February 2026 Member Services Suite announcement also covers inbound member calls such as claim-status and in-network questions.

PolyAI is wrong for a buyer who wants payer-specific jobs spelled out before a demo. Its health insurance guide is gated, and its healthcare page lists member flows under a platform segment rather than a health plan heading. It publishes the largest language count of the five (75+).

Salesforce is wrong for a plan not already on Salesforce, or one that wants a voice agent without a platform build. Its BAA page says Agentforce Contact Center, and likewise the Einstein Services that include Agentforce Voice, may not be used “to infer, predict or interpret an individual’s medical or health diagnosis, condition, status, program eligibility, or outcome”, so design eligibility answers as record read-backs. Its datasheet marks the voice agents “Requires additional license or integrations”.

Talkdesk is wrong for a buyer who only wants an AI agent; it is a full contact-centre platform. Read its BAA alongside its support note on HIPAA recording storage, which says that storage “includes a Business Associate Agreement (BAA)” and that Talkdesk “does not consider itself a business associate”, and confirm in writing which services your BAA covers.

Five questions to put to any member-line vendor

First, will you sign our BAA, or yours, and which of your services and subcontractors does it cover? Second, show us the identity and authority check your agent runs, and what it does when a caregiver calls. Third, how do you report time to the AI and time to a live person separately, for our MA hold-time and speed-of-answer reporting? Fourth, how does the agent recognise and date-stamp an oral grievance or coverage request, and where does it route it? Fifth, which languages have you tested on member calls, and how does a caller reach a qualified human interpreter within 8 minutes? Running it yourself means owning those answers: the eligibility and claims integration, the test scripts for every call-map row, and monthly call-centre reporting. A vendor that cannot answer all five in writing is not ready for a Medicare line.

Frequently asked questions

What is the best AI voice agent for health insurance customer support?

Zian AI is our platform pick for a health plan’s member line, with LeadsNow.ai as the done-for-you option. Among payer-marketed vendors we compared on 22 October 2026, Infinitus names all six member jobs we scored, Hyro and Talkdesk name five, Salesforce four and PolyAI two. All five publish BAA wording. Zian publishes no BAA, so raise it during the partnership application.

Does an AI voice agent for a health plan need a BAA?

Yes, if it handles member information. HHS lists health insurance companies, HMOs and company health plans as covered entities. A vendor that creates, receives, maintains or transmits PHI on a plan’s behalf is a business associate and needs a business associate agreement. Each subcontractor that touches PHI needs one with the vendor.

What are the Medicare Advantage call centre hold time rules?

For coverage from 1 January 2022, an MA plan’s toll-free customer service line must limit average hold time to no longer than 2 minutes, answer 80% of calls within 30 seconds after the IVR, and keep disconnects at or below 5%. Hold time runs until the caller reaches a live person (42 CFR 422.111(h)(1)). Part D sponsors have matching rules in 42 CFR 423.128(d)(1).

How should an AI agent verify a member before discussing a claim?

HIPAA requires a covered entity to verify the identity and authority of a person requesting PHI when it does not already know them (45 CFR 164.514(h)). The rule names no method. Have the AI run the same check your representatives run, against your member system, and transfer anyone who fails it or calls on someone else’s behalf without authority on file.

Can a member file a Medicare Advantage grievance by phone with an AI agent?

Yes. Under 42 CFR 422.564 an enrollee may file a grievance orally or in writing, and the plan must decide within 30 days (extendable by up to 14 days in limited cases), or within 24 hours in the cases the rule lists. The agent should recognise the complaint, record the date received and route it the same day. It should never tell the member to write in.

Where every figure on this page comes from

Figure	Who published it	Link	Date read
Health plans are HIPAA covered entities (health insurance companies, HMOs, company health plans, Medicare, Medicaid)	HHS Office for Civil Rights	www.hhs.gov/hipaa/for-professionals/covered-entities/index.h	22 October 2026
Business associate definition and BAA elements	HHS Office for Civil Rights	www.hhs.gov/hipaa/for-professionals/privacy/guidance/busines	22 October 2026
Identity and authority verification before disclosure	eCFR, 45 CFR 164.514(h)	www.ecfr.gov/current/title-45/section-164.514	22 October 2026
Personal representatives; minimum necessary not applying to disclosures to the individual	eCFR, 45 CFR 164.502(b), (g)	www.ecfr.gov/current/title-45/section-164.502	22 October 2026
MA call centre: 8:00 a.m. to 8:00 p.m.; closures; 2-minute average hold; 80% in 30 seconds; 5% disconnect; interpreters 80% within 8 minutes; TTY 7 minutes on 80%	eCFR, 42 CFR 422.111(h)(1)	www.ecfr.gov/current/title-42/section-422.111	22 October 2026
Part D call centre: same standards; pharmacy line hours; coverage determination access; real-time benefit information	eCFR, 42 CFR 423.128(d)(1), (d)(4)	www.ecfr.gov/current/title-42/section-423.128	22 October 2026
Oral grievances; 30 days; 14-day extension; 24 hours in two listed cases; grievance or appeal determination; records	eCFR, 42 CFR 422.564	www.ecfr.gov/current/title-42/section-422.564	22 October 2026
Oral requests; 14 calendar days; 7 calendar days for prior authorisation items from 1 January 2026; 72 hours for Part B drugs; 14-day extension	eCFR, 42 CFR 422.568	www.ecfr.gov/current/title-42/section-422.568	22 October 2026
Expedited decisions: 72 hours; 24 hours for Part B drugs	eCFR, 42 CFR 422.572	www.ecfr.gov/current/title-42/section-422.572	22 October 2026
Section 1557 language access: qualified interpreter; human review of machine translation; restricted interpreters	eCFR, 45 CFR 92.201	www.ecfr.gov/current/title-45/section-92.201	22 October 2026
Covered entity, Federal financial assistance, qualified interpreter and machine translation definitions	eCFR, 45 CFR 92.4	www.ecfr.gov/current/title-45/section-92.4	22 October 2026
Hyro payer jobs (ID card, coverage, eligibility, benefits, claim status, provider search, covered medications)	Hyro	www.hyro.ai/solutions/payers/	22 October 2026
Hyro BAA attached to its EULA; authorised-reseller scope	Hyro	www.hyro.ai/legal/end-user-license-agreement/	22 October 2026
Hyro “Identity verified before any PHI is discussed”	Hyro	www.hyro.ai/platform/inbound-agents-oncue/	22 October 2026
Hyro identity rules for guardians and caregivers; BAAs	Hyro	www.hyro.ai/platform/healthcare-ai-guardrails/	22 October 2026
Hyro voice languages: English, Spanish	Hyro	www.hyro.ai/legal/scope-of-work/	22 October 2026
Hyro Routing OnCue™ in English and Spanish	Hyro	www.hyro.ai/solutions/routing/	22 October 2026
Infinitus payer jobs (6 of 6)	Infinitus	www.infinitus.ai/solutions/payors/	22 October 2026
Infinitus signs a BAA where it processes PHI	Infinitus	www.infinitus.ai/security/	22 October 2026
Infinitus MA plan: members authenticated on HRA calls	Infinitus	www.infinitus.ai/case-studies/success-stories/medicare-advan	22 October 2026
Infinitus Spanish calls “initial phase” (2025)	Infinitus	www.infinitus.ai/blog/scaling-agentic-ai-intern-led-advances	22 October 2026
Infinitus Member Services Suite for inbound and outbound member calls (announced 3 February 2026)	Infinitus	www.infinitus.ai/blog/infinitus-launches-agentic-ai-member-servi	22 October 2026
PolyAI BAA available; member authentication; benefits and eligibility	PolyAI	poly.ai/industries/healthcare	22 October 2026
PolyAI health insurance contact centre guide (claims processing)	PolyAI	poly.ai/guides/voice-ai-in-health-insurance-contact-center	22 October 2026
PolyAI 75+ languages; 42 listed by name	PolyAI	poly.ai/languages	22 October 2026
PolyAI knowledge-based and multifactor authentication	PolyAI	poly.ai/use-cases/authentication	22 October 2026
Salesforce Agentforce 360 for Payers; caller validation; claims status	Salesforce	www.salesforce.com/healthcare/payer-administration/	22 October 2026
Salesforce member query jobs (provider matching, network searches, prior authorisation, claims assistance; eligibility and benefits verification)	Salesforce	www.salesforce.com/healthcare/artificial-intelligence/	22 October 2026
Salesforce Agentforce Voice languages (English, French, Spanish, Italian, German, Portuguese, Japanese and many others)	Salesforce	www.salesforce.com/agentforce/voice/	22 October 2026
Salesforce voice agents “Requires additional license or integrations”	Salesforce	www.salesforce.com/content/dam/web/en_us/www/images/industri	22 October 2026
Salesforce BAA covered services and Agentforce Contact Center restriction (last updated 30 September 2026)	Salesforce	www.salesforce.com/company/legal/business-associate-addendum	22 October 2026
Talkdesk Healthcare Experience Cloud for Payers; voice biometrics	Talkdesk	www.talkdesk.com/call-center-solutions/healthcare/payers/	22 October 2026
Talkdesk payer member jobs (datasheet, © 2024)	Talkdesk	infra-cloudfront-talkdeskcom.svc.talkdeskapp.com/talkdesk_co	22 October 2026
Talkdesk 59+ languages; Talkdesk Identity	Talkdesk	www.talkdesk.com/cloud-contact-center/self-service-experienc	22 October 2026
Talkdesk BAA pre-signed via DocuSign	Talkdesk	www.talkdesk.com/legal/business-associate-agreement/	22 October 2026
Talkdesk HIPAA recording storage “includes a Business Associate Agreement (BAA)”; Talkdesk “does not consider itself a business associate” (article updated 14 October 2026)	Talkdesk	support.talkdesk.com/hc/en-us/articles/115000353126–Storage	22 October 2026
Amazon Connect Health patient-side agents (exclusion)	Amazon Web Services	aws.amazon.com/about-aws/whats-new/2026/03/amazon-connect-he	22 October 2026
LeadsNow.ai pay-per-result, under 60 seconds 24/7, 50,769+ appointments	LeadsNow.ai	leadsnow.ai/	22 October 2026
Member jobs counts (of 6) and the member-services call map	zian.ai, derived from the vendor pages and regulations above	See rows above	22 October 2026
Zian capabilities, 30+ languages, 50,769+ qualified sales appointments set, outbound acquisition since 2017	Zian AI	zian.ai home and features pages	22 October 2026