Clinical Deliberation
Engine
7 agents · 3 rounds · every decision
Care
Companion
Your AI health advocate
Real-Time
Settlement
Seconds
Level UP Care
Intelligence through the patient
Evidence &
Guidelines
PubMed · Clinical trials
For Patients
Full agency · Clarity · Advocacy
For
Providers
Less admin
For Insurers ·
Employers
Better outcomes · Lower cost
Meet

NuCover

The AI health company built from the patient up. Every decision deliberated. Every step assisted. Full agency for people.

Healthcare. Built better.

Get started → Partner with us

Strategic analysis by BCG · Deloitte · McKinsey

$0
Annual waste
0
Claims denied
0
Lack coordinated care

Strategic analysis by BCG · Deloitte · McKinsey

This is personal

The Misdiagnosis

Mo's wife was treated for the wrong condition for six months before Multiple Sclerosis was correctly identified. No system caught it. No second opinion triggered. Six months of the wrong treatment while the disease progressed.

The CDE would have flagged this in 30 seconds.

The Missed Diagnosis

Mo himself had a lung infection missed by four specialists. Each saw their own slice. None connected the dots. He nearly lost 40% of lung capacity before someone finally assembled the full picture.

The Care Companion assembles the full picture for every provider.

"NuCover is what would have existed if healthcare were designed from the patient up."

Read our story →
The Problem

A $1 Trillion System
Designed to Fail Patients

Healthcare waste isn't a bug. It's the architecture.

$0
Annual administrative overhead
Providers spend 3-4 hours/week on insurance admin instead of patient care.
0
Of claims initially denied
$40 billion in disputes annually. Average appeal: 45-60 days.
0
Diabetics lack coordinated care
Average patient sees 4-5 providers. 50% medication non-adherence. 140K preventable deaths/year.
"Patients are forced to project-manage their own health in a system designed to confuse them."

The insurer should be the coordinator of care, not the processor of claims.

Five truths the industry
refuses to see

1

Healthcare's deepest problem is not cost. It's complexity.

Patients under-navigate. They miss appointments, take wrong medications, accept denied claims because fighting takes 40 hours.

2

The insurer should be the coordinator of care.

Today insurers process bills at the end. NuCover puts them at the beginning, preventing waste and fragmentation.

3

AI doesn't replace clinical judgment. It multiplies it.

7 agents that never tire, never skip research, never have blind spots. Not to replace doctors but to give them a team.

4

The patient is the protagonist, not the product.

In traditional insurance, patients are spreadsheet rows. NuCover works backward from what the patient needs right now.

5

Insurance is earned, not assumed.

NuCover earns the right to underwrite by first proving it can coordinate care better than anyone.

Healthcare, redesigned
1

You feel something's wrong

Describe what you're experiencing. No jargon, no forms. Just a conversation.

2

We match you to the RIGHT specialist

Not just "a neurologist" but "a neurologist specializing in demyelinating conditions," covered by your insurance.

3

We prepare you for your appointment

What to bring, what to expect, what questions to ask. You walk in confident, not anxious.

4

After your visit, we review what the doctor said

Three AI specialists independently assess your case. They flag concerns and generate evidence-based questions.

5

We stay with you

Outcome tracking, follow-ups, care continuity across providers. NuCover doesn't disappear after one appointment.

The Architecture

Four Pillars.
One Integrated Platform.

Each pillar reinforces the others. Together, they create capabilities no incumbent can replicate.

⚡

Real-Time Settlement

Policy-as-code + FedNow instant payments. Claims settled in seconds, not 45 days. Provider payment drops from 45 to 2 days.

80% cost reduction
🛡

AI Care Companion

Personal AI health advocate. Symptom matching, appointment prep, medication tracking, cost transparency.

$20-30 PMPM
📈

Level UP Care

Rather than waiting for providers to adopt technology, NuCover adds the intelligence layer through the patient.

Clinical intelligence at point of care
🔬

Clinical Deliberation Engine

Every clinical decision reviewed by 7 AI expert agents + human escalation. Multi-agent deliberation with full audit trail.

Defensible Moat

The Care Companion captures context. The CDE reviews decisions. The Settlement Engine processes claims. Level UP Care improves every interaction.

The Moat

Every Decision,
Deliberated by a Panel

No single AI decides your care. 7 specialists independently assess, critique, and synthesize.

Round 1

Independent Assessment

7 agents analyze the case. No groupthink.

0-15 seconds
Round 2

Peer Critique

Each reviews the others. Challenges assumptions.

15-25 seconds
Round 3

Synthesis

Unified recommendation. Confidence scored. Minority opinions preserved.

25-30 seconds
1

Clinical AI

Core reasoning
2

Specialist

Domain expert
3

Pharma

Drug interactions
4

Evidence

PubMed, trials
5

Cost-Quality

Value analysis
6

Devil's Advocate

Contrarian
7

Human

Escalation
Confidence Scoring
90%+ Autonomous70-89% Alternatives60-69% Flagged<60% Human

Ensemble advantage

Multi-model outperforms single AI by 5-15% on diagnostic accuracy.

Full audit trail

Every agent's reasoning logged. Explainable to patients and regulators.

FDA compliant

Multi-agent CDS with human loop approved under Jan 2026 guidance.

In Practice

What This Looks Like
for a Real Patient

Maria, 52, needs GLP-1 medication for Type 2 diabetes.

Today's System
28 days
Prior auth request. 45-minute phone wait.
Denied. "Insufficient step therapy documentation."
Peer-to-peer call with wrong specialist.
Finally approved. 4 weeks delayed. Condition worsened.
With NuCover
<4 hours
Maria enters medication history.
7-agent panel reviews. Evidence cites ADA guidelines.
Approved. Pharmacy ready. Cost: $40/month.
Less than 4 hours. No calls. No denials.
85-95%
Faster resolution
90%+
Surprise cost elimination
60-80%
Less provider admin
The Opportunity

A $23.8 Billion
Addressable Market

Three converging forces create a generational opportunity.

Health Insurance SaaS
$8B
18% CAGR
Patient Care Companion
$9.6B
16% CAGR
CDS Licensing
$2.5B
22% CAGR
Insurance Premium
$3.7B
Phase 3+
Why Now
January 2025

TEFCA Live

Real-time health data access enabled across systems.

2024-2026

FedNow at Scale

1,500+ institutions. Instant settlement infrastructure ready.

January 2026

FDA CDS Guidance

AI clinical decision support explicitly approved.

CapabilityOscarCloverTranscarentCVS/AetnaNuCover
Multi-agent deliberation————✓
Human escalation loop———Limited✓
Real-time settlement————✓
Evidence integration——Partial—✓
FDA CDS pathway———Planned✓
Patient care companionBasic—✓Basic✓
Work With Us

Built for Partnership

NuCover creates value for every stakeholder in healthcare.

For Insurers

Embed Clinical Intelligence

Integrate the CDE into your clinical review. Reduce disputes, improve outcomes, lower medical loss ratio. White-label or API.

For Employers

A Better Benefits Experience

Care companion that navigates health decisions, reduces surprise bills, improves outcomes. $20-30 PMPM with measurable ROI.

For Health Systems

License the Deliberation Engine

Multi-agent review for complex cases. FDA CDS compliant. Full audit trail. Integrates with your EHR.

For Technology Partners

Build on NuCover's API

EHR vendors, telehealth, PBMs. FHIR-native, real-time exchange. Embed clinical intelligence into your products.

FHIR · HL7 · X12 EDI · FedNow · Apple HealthKit · Major EHR Platforms

What people are saying

"Patients deserve a system that works for them. NuCover is building exactly that."

Healthcare Industry Observer

"The multi-agent approach is genuinely novel. No one else is doing deliberation at this level."

AI Research Lead

"The insurer-as-coordinator thesis is the first fresh idea in a decade."

Strategic Advisor

Frequently Asked
Questions

Everything investors, partners, and patients ask about NuCover.

What is the CDE?

The Clinical Deliberation Engine is NuCover's core technology. Seven AI specialist agents independently assess each case, then critique each other's reasoning in structured rounds. A confidence score determines whether the decision is autonomous or escalated to a human clinician. Full audit trail preserved.

How does NuCover differ from existing insurers?

No incumbent has multi-agent deliberation, real-time settlement, and a patient care companion in one integrated platform. Each pillar reinforces the others, creating a defensible moat that deepens with every patient interaction.

Is AI making clinical decisions?

No. NuCover augments clinical judgment, never replaces it. The CDE provides a second-opinion layer that gives doctors more information, not less authority. Every recommendation includes confidence scores, and cases below threshold automatically escalate to human review.

What does "insurance earned" mean?

NuCover earns the right to underwrite by first proving it can coordinate care better than anyone. Phase 1-2 builds the clinical intelligence platform and care companion. Phase 3+ applies for an insurance license once we've proven superior outcomes.

Who are target partners?

Insurers looking to embed clinical intelligence, self-insured employers seeking better care coordination, health systems wanting multi-agent review, and technology partners building on FHIR-native infrastructure.

How is data protected?

NuCover is built HIPAA-compliant from day one. All patient data is encrypted at rest and in transit. The CDE architecture ensures no single agent has access to the full patient record. Full audit trail for every decision.

The team behind NuCover

Deep personal motivation meets world-class ambition.

Mo Khodadadi

Founder & CEO

Chief Medical Officer

MD/PhD · Clinical validation & FDA

VP Engineering

Distributed systems + AI infra

VP Sales

Enterprise health tech

Head of Product

Patient experience & design

AI/ML Lead

Multi-agent systems

Clinical Ops

Care coordination

Healthcare expertise meets world-class engineering. Join us →

Let's Build the Future of
Healthcare Together

Investor, insurer, employer, or technology partner — we'd love to hear from you.

Get in Touch Download Overview
mo@nucover.health