🩺Insurance, Plan & Coverage Navigation

Who This Service Is For

• Individuals confused by insurance language or benefits

• Patients planning procedures, tests, or hospital care

• Caregivers helping loved ones manage healthcare decisions

• Anyone who wants to reduce healthcare costs and financial stress

• People with HSA/FSA accounts who want to use them correctly and efficiently

What This Service Does

✅ Reviews one current insurance plan

✅ Explains:

• Deductibles, copays, coinsurance, and out-of-pocket maximums

• In-network vs. out-of-network coverage

✅Assists with coverage verification guidance for:

• Medical visits

• Tests or procedures

✅ Identifies potential cost risks before care

• Provides questions to ask your insurer or provider

• Delivers a post-consult summary with next steps

✅ Puts you back in control

✅ Reduces confusion and financial anxiety

✅ Helps you make proactive, informed healthcare decisions

✅ Bridges the gap between insurance language and real-life care

What to Expect:

Step 1: Simple Intake & Preparation

After booking, you’ll receive a secure intake form that helps us understand:

• Your insurance plan(s)

• Upcoming medical care or concerns

• Past billing or coverage questions

• HSA, FSA, or dependent care account usage (if applicable)

You may upload plan summaries, Explanation of Benefits (EOBs), or appointment details if you have them—no paperwork digging required.

Goal: Save time and focus the consultation on what matters most to you.

Step 2: Personalized Insurance Review

During your one-on-one session, we:

1. Review your insurance plan in plain, easy-to-understand language

2. Clarify what is covered, what may require authorization, and what could lead to extra costs

3. Explain key terms like deductibles, copays, coinsurance, and out-of-pocket maximums

4. Identify potential financial risks before care happens

You are encouraged to ask questions—this is a judgment-free, pressure-free conversation.

Step 3: Single Consultation Client Experience

• Focused review of one insurance plan or situation

• Coverage verification guidance for an upcoming visit, test, or procedure

• Clear explanation of expected costs and cost-saving opportunities in plain language

• Actionable questions to ask your insurer or provider

• Written summary with step-by-step guidance on next actions

Outcome: Clarity and confidence for a specific healthcare decision.

Step 4: Clear Action Plan

After each session, you receive:

1. A written summary of what was reviewed

2. Key coverage considerations and red flags

3. Recommended next steps

4. Questions to ask insurance companies or providers

5. Cost-awareness tips tailored to your situation

6. HSA/FSA usage guidance (if applicable)

Goal: You leave knowing exactly what to do next.

Step 5: Ongoing Empowerment (If Enrolled)

For ongoing and family plans:

• Support adapts as insurance plans or healthcare needs change

• Education helps you become more confident navigating insurance independently

• Guidance focuses on prevention of financial surprises—not reacting after the fact

What This Service Does Not Do

❌ Does not provide legal advice

❌ Does not replace your insurance company or employer benefits office

❌ Does not guarantee insurance approval or payment

❌ Does not negotiate medical bills or file appeals (guidance only)

This service provides education and navigation support only, designed to empower you with knowledge and preparation. It does not provide medical, legal, tax, or financial advice. Coverage decisions are ultimately determined by your insurance provider. Always confirm final coverage details directly with your insurer.