How to use AI tools like ChatGPT to cut healthcare costs and improve employee benefits communication.
Key takeaways
- 92% of Fortune 500 companies use AI, including ChatGPT.
- ChatGPT simplifies pharmacy benefits for employees.
- AI speeds up HR and broker content creation.
- Personalized communication is easy with AI tools.
- Supports strategic planning and cost-saving insights.
- Helps HR stay current on drug pricing and policies.
- Works best when paired with expert guidance.
Why ChatGPT and AI tools are changing the game in pharmacy benefits
Artificial Intelligence (AI) is rapidly transforming how businesses manage employee benefits, with tools like ChatGPT making complex tasks simpler and more efficient.
Once seen as futuristic technology, AI is now a practical resource used daily across industries including healthcare, insurance, and human resources.
Did you know 92% of Fortune 500 companies currently utilize AI tools in their operations?¹ A Forbes report further supports this trend, highlighting that ChatGPT alone is now used by over 180 million people, marking an 80% increase in just one year.²
For brokers and HR professionals, AI solutions like ChatGPT offer significant advantages, particularly in the area of pharmacy benefit management.
Key benefits include:
- Breaking down complex pharmacy benefit terms for easier employee communication
- Automating the creation of internal communications and benefit documents
- Personalizing engagement strategies across employee groups
- Supporting data-driven planning and cost-containment strategies
- Monitoring industry updates related to drug pricing and policy changes
This article explores five specific ways ChatGPT can be applied to optimize workplace communication, pharmacy benefit education, and overall decision-making. Each section includes practical examples, relevant statistics, and AI prompts designed for immediate implementation.
How ChatGPT simplifies pharmacy benefit terms for employees
Pharmacy benefits often involve confusing terms and complex processes that can overwhelm employees and delay decision-making.
Terms like “formulary,” “prior authorization,” or “step therapy” are not always easy to understand especially when employees need to make quick healthcare decisions. This is where ChatGPT becomes a valuable support tool.
ChatGPT can be used by HR departments to translate pharmacy benefit language into clear, employee-friendly explanations. By generating simple descriptions of plan details, benefit tiers, and prescription rules, this AI tool helps ensure employees feel informed, not frustrated.
For example, ChatGPT can:
- Explain what a “formulary” is using everyday language
- Describe how prior authorizations work and why they are necessary
- Outline the difference between generic and brand-name medications
This capability is particularly useful during open enrollment periods, onboarding, or benefit review sessions at the moments when clear communication is essential.
For those looking to explore this further, Intercept Rx provides a helpful guide titled How to Explain Pharmacy Benefits to Employees in Simple Terms. This article breaks down pharmacy terms and benefits communication strategies, making it an ideal companion resource.
By simplifying complex benefit information, ChatGPT allows HR teams and brokers to enhance employee understanding, reduce confusion, and improve benefit utilization.
Using AI to speed up HR communication and benefits content creation
Creating internal documents, benefits summaries, and employee communications can be time-consuming especially for small HR teams and busy brokers. ChatGPT can significantly speed up this process by generating high-quality content in seconds, allowing professionals to focus more on strategy and employee engagement.
This AI tool is especially effective for:
- Writing benefits summary emails for open enrollment
- Creating FAQs about pharmacy benefits or plan changes
- Drafting internal memos or employee guides
- Generating renewal proposal copy or marketing emails for brokers
Whether the goal is to inform employees about an Rx Optimization Program or prepare messaging for a new pharmacy benefit design, ChatGPT can support rapid and accurate content generation tailored to different audiences.
A recent report found that 68% of HR professionals believe AI improves content generation efficiency³, underscoring the growing role of AI in streamlining day-to-day operations.
Brokers can also benefit by using ChatGPT to develop scripts for client calls, customize plan presentations, or build quick drafts for pharmacy savings proposals.
By reducing the time spent writing and editing, AI enhances both productivity and communication quality ensuring that messaging is timely, relevant, and aligned with employee needs.
ChatGPT for personalized employee engagement in health benefits
Engaging a diverse workforce requires more than one-size-fits-all communication. Employees differ in their healthcare needs, learning preferences, and decision-making styles. ChatGPT helps HR professionals and brokers personalize communication at scale, delivering messages that resonate with specific employee groups.
Using ChatGPT, it’s possible to:
- Draft tailored benefit explanations for different age groups or job roles
- Create onboarding scripts for new hires with varying health literacy levels
- Develop quiz-style tools to guide employees through benefit selections
- Generate personalized reminders or follow-up messages based on benefit usage
This level of customization improves employee understanding and encourages greater participation in pharmacy benefit programs. When employees feel that benefit communications are relevant to their lives, they are more likely to take action whether it’s enrolling in a cost-saving prescription program or asking informed questions during open enrollment.
ChatGPT can also support inclusive language and culturally appropriate messaging, helping HR teams communicate more effectively across demographics and ensuring that no one feels left out of the benefits conversation.
By using AI to deliver the right message to the right person at the right time, brokers and HR leaders can create more meaningful and effective engagement without adding hours of manual work.
Strategic planning with ChatGPT: Reducing pharmacy spend and boosting efficiency
Strategic planning plays a critical role in controlling healthcare costs especially when it comes to pharmacy benefits. ChatGPT can serve as a valuable brainstorming and research assistant for HR leaders and brokers looking to identify cost-saving opportunities and optimize plan design.
AI tools like ChatGPT can help by:
- Generating a list of key questions to ask Pharmacy Benefit Managers (PBMs)
- Analyzing trends in prescription drug pricing
- Suggesting alternative benefit structures that could improve cost-efficiency
- Offering summaries of recent legislation or pricing models impacting pharmacy spend
By using AI to explore cost-saving ideas and pharmacy strategies, HR teams can make more informed decisions that benefit both employees and the organization’s bottom line.
In fact, recent insights reveal that HR teams using AI for planning report a 34% increase in decision-making speed⁴, emphasizing AI’s growing influence in organizational strategy.
This type of forward-thinking approach aligns with the goals of modern pharmacy programs, such as Intercept Rx’s Rx Optimization Program, which is designed to reduce pharmacy costs while maintaining or improving member experience. ChatGPT can complement such programs by helping stakeholders better understand their options and communicate the benefits clearly.
For more insight into choosing the right pharmacy partner, the article How to Choose the Best PBM for Your Company in 2025 offers additional strategies and evaluation tips.
How ChatGPT helps HR stay current on drug pricing and policy updates
Before exploring how ChatGPT can support HR and broker workflows, it’s important to understand what this tool is and how it works. It is available in both free and paid versions.
While the free version is highly useful for everyday tasks such as summarizing information, drafting emails, or explaining complex topics, it does not have access to real-time data, current statistics, or recent events. Users seeking the most up-to-date insights or news may need to supplement ChatGPT responses with reliable external sources or consider using the paid version, which includes browsing capabilities and more advanced features.
Even with these limitations, ChatGPT remains a powerful support tool for professionals looking to streamline communication, improve clarity, and enhance efficiency in employee benefits management.
In a fast-moving healthcare landscape, staying updated on regulatory changes, FDA announcements, and drug pricing trends is essential. However, busy HR professionals and brokers often lack the time to review lengthy reports or track legislative updates. ChatGPT can help bridge that gap by serving as a real-time information assistant.
With the right prompts, ChatGPT can:
- Summarize FDA news and how it impacts formularies
- Explain recent drug price hikes and market trends
- Outline how proposed legislation may affect pharmacy benefit designs
- Provide quick overviews of industry whitepapers and research
Bonus: Top ChatGPT prompts brokers and HR teams should start using today
One of the most powerful advantages of ChatGPT is its flexibility. With the right prompt, this AI tool can deliver tailored, time-saving responses across a wide range of topics from simplifying pharmacy benefits to drafting strategic communications.
Below is a list of practical prompts brokers and HR professionals can start using immediately:
- “Explain prior authorizations in a simple way for employees.”
Useful during open enrollment or when introducing a new PBM. - “Write a benefits email introducing our Rx Optimization Program.”
Helps generate clear, professional messaging that employees can easily understand. - “Summarize the pros and cons of self-funded vs. fully insured plans.”
Ideal for preparing internal presentations or educating clients on funding strategies. - “Draft an onboarding message for new employees about their pharmacy benefits.”
Supports employee engagement from day one. - “List the top questions employers should ask when evaluating a PBM.”
A quick resource for brokers preparing client consultations.
These prompts can be customized and reused across different campaigns and communications, making ChatGPT a highly versatile tool in the HR and broker toolkit.
By experimenting with various prompt formats, teams can quickly generate helpful content, streamline their workflows, and stay focused on their larger goals like improving benefit access and reducing healthcare costs.
Best practices and limitations of using ChatGPT in benefits management
While ChatGPT offers significant advantages for brokers and HR professionals, it’s important to understand its role as a support tool, not a standalone solution. To maximize the benefits of AI while avoiding common pitfalls, certain best practices should be followed.
Best practices:
- Always review and fact-check responses before sharing information with employees or clients. ChatGPT can sometimes generate outdated or overly general content.
- Use specific, clear prompts to get the most accurate and relevant answers. The more context provided, the better the results.
- Keep communication human-centered. AI can assist with drafts and outlines, but final content should reflect organizational values and tone.
- Pair AI with expert input especially when dealing with compliance, sensitive healthcare decisions, or financial recommendations.
Limitations to keep in mind:
- ChatGPT does not replace legal or medical advice. It should never be used to interpret laws, give health diagnoses, or make benefit eligibility decisions.
- Some outputs may require editing or simplification. Not all responses are ready to use as-is, especially when communicating with employees at different health literacy levels.
- AI lacks organizational context. ChatGPT can’t access internal documents, plan specifics, or historical data unless that information is included in the prompt.
To achieve the best outcomes, HR and broker teams are encouraged to use ChatGPT alongside trusted pharmacy partners and benefit consultants. Solutions like Intercept Rx’s Rx Optimization Program offer expert guidance, cost-saving strategies, and member advocacy ensuring that AI-powered communication is backed by proven clinical and strategic support.
Conclusion: ChatGPT as a competitive advantage in pharmacy benefits strategy
Artificial intelligence is no longer a future concept, it is a present-day advantage for HR professionals and brokers seeking to simplify pharmacy benefits, enhance communication, and reduce costs. Tools like ChatGPT are making it easier to manage complex information, create personalized content, and stay on top of evolving healthcare regulations.
From generating clear benefit explanations to supporting strategic planning, ChatGPT can play a valuable role in helping organizations better serve their employees and clients. When paired with expert guidance and innovative pharmacy solutions, AI becomes a tool for smarter, faster, and more impactful decision-making.
To take these strategies further, brokers and HR leaders can explore solutions like the Rx Optimization Program offered by Intercept Rx, which delivers savings, support, and simplified pharmacy benefit experiences tailored to self-funded and level-funded companies.
For additional insights into pharmacy savings, communication strategies, and industry updates, explore these recommended resources:
- The Broker’s Guide to Cutting Employer Healthcare Costs
- Latest FDA Updates in 2025
- How to Explain Pharmacy Benefits to Employees in Simple Terms
As more organizations begin to adopt AI, early adopters in the HR and broker space have an opportunity to lead using ChatGPT not just as a tool, but as a competitive advantage in the evolving world of pharmacy benefits.
