Artificial intelligence (AI) is transforming healthcare, yet little is known about how consumers experience and make decisions regarding follow-up care with medical AI. We take an interdisciplinary approach combining behavioral research and neuroscience to examine how anthropomorphism and personalization influence well-being and follow-up decisions. Study 1 found that consumers felt well-being after interacting with a highly personalized interaction, whether human or AI doctor. However, they preferred follow-up visits with the human doctor. Empathy mediated these effects. Study 2 used fMRI to show that the anterior cingulate cortex had greater activation when interacting with the human doctor, indicating more emotional processing and conflict resolution. These findings suggest that medical AI cannot currently replace human doctors, who remain vital for actual medical consultations and treatment. However, consumers viewed AI doctors positively and expressed a belief that AI will enhance well-being. By integrating neuroscience, this research provides biological evidence complementing behavioral findings.