AI for life care planners: questions and answers
Short version: use AI for the record, not for the plan's opinions or prices. Get a BAA before any upload, cite the record page rather than the tool, and keep cost sources and rates out of the model's hands.
Limits: Tool facts come from each vendor's own website, read on 2026-11-12; we did not test any product hands-on. The cost example is synthetic, and the rates in it are placeholders, not recommended growth or discount rates.
12 questions about AI in life care planning
Grouped in order: choosing a tool, privacy, what goes in the plan, costs, and deposition.
What is the cheapest AI record tool built for life care planners?
Of the prices we read on 2026-11-12, MedLegal AI at $49 a month (3 free cases) and Hathr.AI at $47 per user a month are the lowest flat prices. InPractice starts at $0.07 a page. The tool table has every published price.
Do I need separate tools for records and for costing?
Usually yes. The AI record tools we read don't cost plans against fee data, and the LCP authoring tools don't read records. AddVHE combines fee data with projection tools; it does not describe record review.
How do I compare 2 tools fairly?
Run both on a closed case whose plan you finished, and count recommendations each one missed or invented. The 1-week trial plan sets the pass mark.
Is it HIPAA-compliant to use ChatGPT for a life care plan?
Not on a consumer account. OpenAI requires a BAA before PHI goes to its API, and the help page we read covers the API. Anthropic's BAA covers its API and Enterprise plans with HIPAA turned on, not consumer plans.
Who signs the BAA, me or the attorney?
Whoever holds and uploads the records contracts with the vendor. If you upload, you need the BAA with the AI vendor, alongside whatever agreement you have with the retaining party.
Can AI decide what goes in the plan?
No. It can quote and sort recommendations by their wording. Whether an item is more probable than not, and whether it belongs in the plan, is your opinion.
Can AI find needs the record doesn't show?
No. Needs from the interview, the home and the family's caregiving rarely reach the chart. See where AI fails.
Can AI price the items in a life care plan?
Not in a way you can cite. Costs need a dataset, edition and area, or a dated quote. A model's estimate has none of those.
Which cost data do life care planners use?
FAIR Health charge benchmarks, which its own article says planners mostly use; fee references such as the Physicians' Fee Reference; the CMS fee schedule for a Medicare basis; and local vendor quotes.
Who calculates present value in a life care plan?
Usually a forensic economist. Plans state costs in today's dollars. Our calculator helps you check the economist's total.
How do I answer "did you use AI?" at deposition?
Name the tool, say what it did (found and cited recommendations), and say what you checked (the cited pages for every costed row). Keep that in a short note per case.
Should I cite the AI tool in the plan?
Cite the medical record page. The tool helped you find it; the record is the source.