Navigator Benefits
HCS Navigator is a unique combination of services, all of which are required for the overall success of the program:
The Network
The Company assembles leading specialists that, in addition to delivering outstanding care, understand their costs and how to provide excellent customer service.
The Pricing & Settlement
Works with providers to secure competitive, comprehensive, case rate pricing. We provide the settlement systems to secure payment of the case rate prior to patient arrival and to coordinate any final billing.
The Plan Integration
Designs the program to fit with traditional coverage (including both self-funded and fully insured plans) and HSA/HRA models. Integrates with traditional PPO networks and stop-loss carrier coverage. Structures the program to share procedure cost savings with both plan sponsor and beneficiary.
The Participant Services
Care Coordinators facilitate the process from the beneficiary’s initial inquiry through return and reintegration into local care. Coordinators work through plan communication channels to drive member awareness and adoption of the program. They also deliver objective provider quality information supplied by HealthGrades and Joint Commission to help participants make rational, informed decisions about care.
The Technology Platform
HCS Navigator systems connect all participants for secure information storage, transfer, and workflow processing.
Benefits for employers & health plans
Cost Savings
The hospitals and physicians in the HCS Navigator Network offer substantial price reductions on high value medical procedures with typical savings between 30% and 50% vs. standard negotiated rates.
Predictability
Pre-negotiated fixed case prices replace the variability and uncertainty of discounted fee-for-service charges.
New Benefit for Employees
The program delivers access to leading medical providers and the potential for significant cost savings as an addition to all existing benefits. Nothing is taken away.
Turnkey Solution
The HCS Navigator coordinates the entire process: initial planning, introducing the benefit to employees, providing total case management administration for employees who use the benefit, integrating seamlessly with the plan administrator, and delivering the information to prove savings for the company and its employees.
Benefits for employees & beneficiaries
Access to Top Quality Care
HCS Navigator offers access to leading hospitals and physicians located throughout the U.S. and in select international locations, allowing employees to have more options when seeking care for major medical procedures, cosmetic procedures, and wellness exams.
Significant Financial Benefit
The benefit is designed so the employee shares in the cost savings through the elimination of deductible and co-insurance payments and addition of a recovery benefit.
Better Information
HCS Navigator includes access to complete quality reporting on selected doctors and hospitals.
Concierge Medical Management
Client care managers support the employee through every step of the process from initial inquiry through recovery at home.