Overview

Use CLEAR + Nirvana to unify patient identity verification and real-time insurance lookup into a single, consented intake experience — replacing manual data entry, insurance card scans, and eligibility phone calls with a selfie.

Nirvana is a health insurance aggregator that can find someone's health insurance given a few pieces of verified biographic information. CLEAR calls Nirvana's Cardless Intake service as an add-on at the end of a CLEAR Verified IDV flow. If insurance is found and the CLEAR Member confirms it, the coverage details are shared with the customer (the healthcare organization) to streamline downstream workflows — check-in, eligibility, claims, and cost-share transparency.

Every healthcare interaction begins with identity and insurance verification, and today that step is slow, manual, and error-prone. Patients type insurance details by hand, front desk staff sift through cards and make eligibility calls, and mistakes lead to denied claims and surprise patient bills.

With CLEAR + Nirvana:

• Patients verify their identity in seconds with CLEAR, then have their insurance looked up automatically — no card, no typing.
• Healthcare organizations receive verified insurance details tied to a verified identity, reducing manual overhead and improving accuracy.
• Security and compliance are strengthened by binding biometric identity verification to insurance validation, reducing fraud risk.

The Nirvana add-on is completely optional for the CLEAR Member and is gated behind two explicit consents:

1. An in-flow opt-in to have their insurance looked up.
2. A HIPAA Authorization release form the Member must scroll through and agree to.

Nothing is stored or shared with the customer until the Member confirms the returned insurance is correct.

What this is not

• Not a billing system. It does not handle claims, payments, or medical billing.
• Not a replacement for manual insurance updates when Nirvana can't return coverage (e.g., new policies or unsupported payers).
• Not an insurance marketplace — Members cannot compare or purchase coverage.
• Not a way for Members to log into a CLEAR profile and edit their insurance info.

Use Cases

CLEAR + Nirvana solves the two hardest problems in patient intake at once: is this the right patient, and is their insurance actually going to cover this visit.

Patient check-in

Replace clipboard intake and insurance card scans with a selfie-driven flow that verifies identity and insurance before the patient reaches the front desk.

• New patient onboarding with instant insurance verification
• Returning patient check-in with re-verified coverage
• Telehealth pre-visit intake — verify identity and coverage before the video call starts
• Kiosk or self-service check-in for high-volume clinics

Insurance eligibility + coverage confirmation

Eliminate physical insurance cards and manual eligibility calls. Nirvana pulls real-time coverage details using the biographic data CLEAR verifies — with Member consent.

• Pre-appointment insurance lookup to prevent surprise bills
• Verified plan / group / member ID handoff to the customer's system
• Same-day appointment intake when a patient walks in without a card

Claim denial prevention

Get accurate, verified insurance information at the start of the visit — not weeks later at the billing stage.

• Proactive intake data validation
• Reduce billing team rework on rejected claims
• Improve first-pass claim acceptance rates

How It Works

Member flow (end-user experience)

1. Identity verification — The Member completes the normal CLEAR IDV flow.
2. Opt-in prompt — After successful verification, the Member sees an introduction page asking if they'd like CLEAR to look up their health insurance. If no → they're redirected back to the customer without any insurance lookup.
3. HIPAA authorization — If yes, the Member is shown a HIPAA Authorization Release form. UI rules the customer should expect:
   • HIPAA text is displayed in 14 pt font.
   • The Member must scroll from top to bottom before the Agree and Don't Agree buttons are enabled.
   • If Don't Agree → Member is redirected back to the customer. No lookup, no data shared.
   • If Agree → CLEAR calls Nirvana.
4. Loading state — While CLEAR is fetching insurance from Nirvana, the Member sees a friendly loading screen ("Getting your health insurance information").
5. Result screen — Nirvana's response is displayed. The Member sees:
   • Insurance Company (Payer Name)
   • First Name / Last Name (of policy holder)
   • Member ID
   • Group ID
6. Confirm or Skip —
   • Store and Share → CLEAR saves the insurance details to the Member's CLEAR account and shares them with the customer. The Member is redirected to the customer's redirect URI. A confirmation email is sent to the Member documenting the HIPAA consent and how to revoke it.
   • Skip → Nothing is stored or shared. The Member is redirected back to the customer.
7. Timeout / no result — If Nirvana times out or can't return coverage, CLEAR gracefully redirects the Member back to the customer without sharing any Nirvana data.

Consent lifecycle the customer should know about

• HIPAA consent is per-customer. A Member who signed HIPAA auth for Customer A has not consented for Customer B.
• HIPAA consent expires annually. If a Member returns to the same customer's flow more than a year after their last consent, they'll be prompted to re-sign the form.
• Revocation: the confirmation email sent to the Member includes instructions to revoke consent.
• Deletion: if a Member deletes their CLEAR account, their stored insurance information is purged along with the rest of their profile.
• Re-check cadence: for returning Members whose insurance was already collected, CLEAR can be configured to skip calling Nirvana for X months to reduce cost and Member friction. Talk to CLEAR about the cadence that fits the customer's workflow.

What the customer needs to provide

To enable the Nirvana add-on for the customer's CLEAR organization, the customer needs to provide:

• Provider NPI — the unique identifier for the customer's provider organization. Required for every Nirvana lookup.
• The project(s) where the health insurance lookup should be enabled. The customer can turn the add-on on or off per project inside the CLEAR Console.
• Redirect URI — where CLEAR should send the Member after they confirm, skip, don't agree, or hit a Nirvana timeout.
• (Optional) Customized HIPAA authorization language, if the customer wants to override CLEAR's standard consent copy.

Configuration happens in the CLEAR Console under Add-Ons → Health Insurance. Some settings live at the organization level, others at the project level; the customer picks which active projects to apply the add-on to.

What Nirvana returns

For every successful lookup where the Member clicks Store and Share, the customer receives:

• Insurance Company / Payer Name (e.g. UnitedHealthcare)
• Policy Holder First Name and Last Name
• Member ID
• Group ID

Additional fields Nirvana returns internally are not persisted or shared with the customer.

How the customer consumes the data

No new API integration required. The customer already calls:

GET /v1/verification_sessions/{id}

If the Member confirmed insurance during the Nirvana flow, the fields above are included in that response as verification details. If the Member opted out, didn't agree to HIPAA, skipped, or Nirvana timed out, the response looks like any other CLEAR verification — no insurance fields present.

The customer can also view the insurance details on the individual's profile in the CLEAR Console (with the appropriate console permissions).

What the customer sees

Success Criteria the customer can measure

• 90%+ of patients successfully verify identity and insurance without manual intervention.
• 30%+ reduction in insurance mismatches / errors (measured in partnership with Nirvana).
• Reduction in front desk time-per-patient at check-in.
• Reduction in denied claims tied to bad intake data.

Resources

• CLEAR verification session endpoint (customer-facing): GET /v1/verification_sessions/{id}
• CLEAR Console → Add-Ons → Health Insurance: where the add-on is configured per project
• HIPAA consent email: automatically sent to the Member on Store and Share; includes revocation instructions
• CLEAR + Nirvana partnership announcement: February 2025
• Getting started: reach out to your CLEAR contact with the customer's Provider NPI, redirect URI, and the project(s) where insurance lookup should be enabled