Underwriting records in days, not most of a month
Life, disability, and P&C carriers pulling applicant and claimant records with consent, replacing the manual retrieval that gates a decision.
What Hubble does for carriers and underwriters
One electronic, patient-authorized path in place of calling, faxing, and waiting.
Instant where connected
Demographic-matched records across hospital systems through HIE networks in seconds.
Reaches what networks withhold
Direct EHR logins for the systems that hold records back, plus full retrieval where a case needs it.
One vendor, no per-page fees
Electronic and patient-authorized, so three separate systems collapse into one API.
Underwriting records in days, not most of a month.
A time-sensitive asset priced on a slow, manual process.
To value a policy the team has to underwrite the insured's health, which today means stitching together three disconnected systems: an instant-summary vendor with gaps in provider coverage, a patient-portal login that often comes back thin (sometimes just labs), and a manual retrieval fallback that calls hospitals, sends the HIPAA authorization, and waits on faxes.
That manual path runs 20 to 30 days per case, and the team is managing dozens of active cases at a time. Long histories come back as thousands of faxed pages with per-page fees attached. None of it fits an asset that has to be priced quickly.
One electronic path, built to replace the manual one.
The insured verifies their identity once, and Hubble pulls demographic-matched records across hospital systems through health information exchange networks in seconds, then uses direct EHR logins to reach the records those networks withhold (Epic in particular), and full retrieval where a case still needs it.
Because it is electronic and patient-authorized, there are no per-page pass-through fees, and three separate vendors collapse into one API. The goal set with the team is to replace the manual retrieval process outright.
What Hubble delivered
- HIE retrieval through TEFCA with identity and liveness verification
- Direct EHR logins to reach records the networks withhold
- Full-record retrieval where a case requires it
- Priced per individual, with no per-page fees
- API-first, so it drops into the existing underwriting workflow
What changed after Hubble.
Common questions.
How fast can Hubble return underwriting records?+
Where systems are connected, demographic-matched records come back through HIE networks in seconds, with direct EHR logins and full retrieval for the rest, in place of a 20-to-30-day manual process.
Does Hubble replace manual and paramed retrieval?+
That is the goal. One electronic, patient-authorized path replaces calling, faxing, and waiting, with no per-page fees.
See Hubble on your use case in 20 minutes.
Bring a real scenario and we will walk through how we would retrieve the records.