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A promotional graphic from Powered to Rise. On the left, a group of older Black adults gathers around laptops and tablets, smiling and engaged. On the right, bold white text reads: “Reimagining Medicare: What if Medicare had a digital helper?” The Powered to Rise logo appears in the top right corner, and the website URL is listed at the bottom.

A Vision for Seamless Medicare Navigation: How AI Can Bridge Gaps in Care

June 18, 20252 min read

A collage of six diverse scenes showing older adults engaging with technology. Top row: A Black mother and daughter smile while using a tablet together; a white older couple sits on a couch with a younger man, looking at a smartphone; an Asian father and adult son laugh while using a laptop. Bottom row: Two older women, one Asian and one Latina, look at a smartphone; a caregiver helps an elderly white woman use a tablet at a kitchen table; two Black women, one elderly and one middle-aged, use a tablet together, smiling.

Earlier this month, I submitted a public comment to the Centers for Medicare & Medicaid Services (CMS) with one core idea: create an AI-powered patient assistant that follows Medicare beneficiaries from enrollment through care across plans, locations, and providers.

This idea wasn’t submitted on behalf of a company pitching a product. I wrote it as a professional with over 20 years of experience within the healthcare system, including roles across multiple Fortune 100 organizations. That work has taken me behind the scenes of EHR rollouts, patient access bottlenecks, and the real administrative load that providers and patients both carry. I've spent thousands of hours working alongside clinicians and care teams, and I’ve seen what slows them down.

Now, as the founder of Powered to Rise, I use that experience, plus what I’ve learned about digital marketing and patient-first tech design, to develop solutions that support system-wide coordination without increasing burden.

The Proposal: A CMS-Integrated AI Assistant

At the center of the proposal is a simple but powerful shift: assign every Medicare beneficiary a secure, AI-powered assistant at enrollment. This assistant would:

  • Locate in-network providers using real-time plan data

  • Schedule appointments by syncing with provider-side APIs

  • Share records using FHIR and HL7 standards

  • Communicate with patients through a single interface—text, voice, or web—without multiple logins or repeated data entry

A visual comparison of fragmented versus streamlined healthcare navigation. The left side shows a chaotic web of icons (representing healthcare services and data) leading into a central “AI” hub. The right side shows a clean, unified path emerging from the same hub, labeled “With AI: Streamlined navigation.” The left is labeled “Before AI: Fragmented journey,” highlighting the contrast in complexity and coherence.

This assistant would not replace human navigators. It would support them, especially in regions where infrastructure is thin and patients face digital access barriers.

Why CMS—and Why Now

CMS, as the central payer and data steward for Medicare, is uniquely positioned to:

  • Normalize AI navigation tools as a standard benefit

  • Enforce national data-sharing protocols

  • Ensure these systems are inclusive, accessible, and equity-centered from day one

This isn’t a future-state fantasy, the technology already exists. Consumer-centered platforms like OpenAI, Notion, HighLevel, and others are HIPAA-compliant and ready to integrate with traditional provider-facing systems today.

The Lived Lens That Guided This

Before submitting the comment, I spoke with my parents about their experiences with Medicare. Their feedback spanned a wide range—some parts of the system worked well, others required persistence and patience. But their stories were only part of the picture.

Over the years, I’ve spoken directly with hundreds of Medicare patients in different regions of the country. The challenges I’ve heard from people living in rural communities—like those in the Appalachian Mountain area—are different from the stories I’ve heard in suburban and urban settings. Technology access, provider networks, and system literacy vary widely.

This proposal reflects that complexity. It’s informed by both system knowledge and human experience—from inside the workflow and at the point of care. It’s a response to what I’ve witnessed, what I’ve studied, and what I’ve heard from the people this system is meant to serve.

Read the Full Submission

To explore the complete proposal—complete with use cases, data citations, and design considerations:

[Download the full public comment here.]

MedicareAI in healthcareDigital health assistantHealthcare navigationPatient experienceHealth technologyCare coordinationFHIRHealth equityMedicare innovationPowered to Rise
Rafat is a strategic healthcare leader, policy advocate, and entrepreneur who moves with purpose. Grounded in Medicaid policy, public health strategy, and digital innovation, she equips community-rooted leaders to expand healthcare access, influence legislative outcomes, and create systems where everyone, especially those long overlooked, can rise.

Rafat Fields

Rafat is a strategic healthcare leader, policy advocate, and entrepreneur who moves with purpose. Grounded in Medicaid policy, public health strategy, and digital innovation, she equips community-rooted leaders to expand healthcare access, influence legislative outcomes, and create systems where everyone, especially those long overlooked, can rise.

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