How to Use AI to Call Your Insurance Company in 2026

You know the drill. You need to check whether a procedure is covered. You call your insurance company. You press 1 for English, then 3 for benefits, then 2 for medical, then wait. And wait. The hold music starts. Seventeen minutes later, a representative picks up, asks you to verify your identity three times, then transfers you to a different department - where you wait again. The average American spends over 13 hours per year on hold with insurance companies. For anyone dealing with a complex claim or a coverage dispute, that number can easily double.