Paying for Services

Private Pay, Transparent Pricing

Premier HealthcareNav does not bill insurance, Medicare, or Medicaid. Fees are flat, published, and paid directly by the client, there is no insurance runaround, no surprise bills, and no upsell.

See Services & Pricing →

Clients may be able to offset the cost through their own benefits, here's what to check:

HSA & FSA Funds

The IRS defines eligible medical expenses in broad, general terms, some services may qualify, such as: care connected to diagnosing, treating, or managing a specific condition. Since Premier HealthcareNav services are delivered by a licensed RN and are often tied directly to a diagnosis, a treatment decision, or a hospital discharge, some clients may have success with using HSA or FSA funds to pay for services such as the Clarity Session following a new diagnosis, or Appointment Accompaniment for a specialist visit.

Services that are more general in nature, such as organizing records without a connection to an active medical issue, are less likely to qualify.

Upon request, I will provide a detailed invoice: including the service description, date, and my RN license information for you to submit to your HSA or FSA administrator. Many administrators only need this to make a determination.

Every plan is different, and the final call belongs to your plan administrator. I make no guarantee of reimbursement, but I am happy to provide you with the documentation you need to find out.

Long-Term Care Insurance

Many long-term care insurance policies include a benefit, sometimes called “care advisory” or “care coordination”, that reimburses for independent care management and patient advocacy. It's one of the most overlooked benefits in LTC policies, and policyholders often don't know it's there.

If you or a family member has an LTC policy, it's worth a phone call. Ask directly:

• “Does my policy include a care advisory or care coordination benefit?”
• “Does it cover services from an independent RN patient advocate?”
• “What documentation do you need from the provider to process a claim?”

This benefit tends to be most relevant for ongoing needs, such as coordinating care for an aging parent, rather than a single consultation, and it usually requires that the policy's benefit trigger has been met (such as needing help with daily activities).

I'm happy to provide whatever documentation your LTC insurer typically requires for a reimbursement claim: invoices, service summaries, or a letter describing the care provided.

Other Ways Families Can Make Services Affordable

• Start small. A single Clarity Session can bring immediate relief and doesn't require an ongoing commitment.
• Share the cost. When multiple siblings or family members are involved in a parent's care, families can split the fee.
• Check for an HRA. If your employer offers a Health Reimbursement Arrangement, navigation and advocacy services may qualify. Ask your HR or benefits administrator.