Insurance companies lose $3.1 billion to fake claims every year. That is a disgrace. It is also a massive opportunity. While the industry talks about AI, most claims teams are still manually typing data into web forms. They are still calling providers to chase missing info. They are still guessing whether a claim is fraudulent. This is absurd. You do not need more meetings. You need a computer use agent that can actually do the work.
Manual work is the biggest leak in every insurance company
Think about what a claims adjuster actually does. They pull up a claim form. They ask the customer for a doctor's note. They call the provider to verify the procedure. They type the details into a legacy system. They check policy limits. They send a denial if something is off. This is not hard work. It is tedious work. It is work that a computer use agent can do better. The problem is that most companies are still stuck in 2020. They rely on RPA bots that break whenever the UI changes. They hire temp workers to handle spikes. They burn out their staff because nobody can keep up with the volume.
Oscar Health proved AI cuts processing time in half
Oscar Health is one of the rare insurers that actually shipped AI. They cut claims processing by 50% in 2025. They did not just add a chatbot. They built a system that reads doctor notes, extracts the right details, and files the claim without human intervention. That is the kind of result everyone should be chasing. The scary part is that Oscar is still an exception. Most insurers are still debating pilots. They are still asking "will this work?" while their competitors move ahead.
Why traditional automation fails at claims
- RPA bots break when claims portals update. One wrong click and the whole process stops.
- LLM-powered chatbots can reason but cannot click buttons. They can summarize notes but cannot file a form.
- Most tools require manual configuration for every workflow. Claims processes are too complex for that.
The gap between what people promise and what actually works is massive. Oscar cut claims time by 50%. Most insurers are still talking about it.
The real difference is computer use
Computer use agents are different. They can see the screen. They can click buttons. They can type text into forms. They can handle multiple windows. They can follow a workflow end to end. This is what you need for claims automation. You need something that can log into a portal, upload a document, fill out a form, and close a claim. Anthropic and OpenAI are both pushing their own computer use capabilities. They are building agents that can interact with real software. But you cannot just plug in any model. Some struggle with complex workflows. Some hallucinate when they should verify. Some get stuck in loops. The performance gap is real.
Why Coasty is the obvious choice for insurance claims
That is why Coasty exists. We built a computer use agent specifically for real-world workflows. On the OSWorld benchmark, our in-house model hit 85.6% with public results. Independently verified on the official leaderboard, we scored 82.81%. Nobody else is close. That is not marketing. That is the difference between an agent that can do the job and one that needs constant babysitting. Our agent controls real desktops, browsers, and terminals. It does not just make API calls. It can handle messy workflows like claims processing where every step depends on the previous one. You can run it locally with BYOK, or in the cloud for parallel execution. Want to process 100 claims at once? Spin up a swarm. Want to keep your data on your own infrastructure? We support that too.
Insurance companies cannot afford to stay stuck in 2020. Manual claims processing is expensive, error-prone, and demoralizing. AI can fix this. The question is not whether you should automate claims. The question is which computer use agent will actually get the job done. Most tools are overhyped. Most pilots never ship. Coasty is different. We ship. We benchmark. We win. If you want to cut claims time by 50%, reduce fraud, and stop burning out your staff, start with Coasty. Visit coasty.ai to see what a real computer use agent can do for your insurance workflows.
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