Most of what Navigate Maternity provides is covered by insurance, and for most moms the out-of-pocket cost is nothing. This explains the part that can fall to you, so there are no surprises.

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What you are responsible for

• Any deductible, coinsurance, or copay your plan applies to your equipment, supplies, or visits.

• Any item or service your plan does not cover, or stops covering, that you choose to receive anyway.

• Any amount your plan denies because information you gave us was incomplete or out of date, or because coverage had ended.

• Anything you order as cash-pay rather than through insurance, at the price shown to you before you book.

 

How we check your coverage

• We verify your benefits with your plan before we ship equipment or bill for a visit, and we tell you what we find.

• A benefit check is an estimate, not a guarantee of payment. Your plan makes the final decision when the claim is processed, and it can differ from the estimate.

• Where an item needs prior authorization or a signed order from your provider, we will not ship it until that is in hand — so nothing is billed to you for an item your plan was always going to deny.

• If we learn you will owe something meaningful, we tell you before we proceed and you can decline.

 

Billing and payment

• We bill your plan directly under the Assignment of Benefits you signed. You only hear from us about a balance after your plan has processed the claim.

• Statements go to the email and address on your account, so keep them current.

• Cash-pay visits are charged at booking and are subject to the cancellation policy shown when you book: full refund with at least 24 hours’ notice, half with 4 to 24 hours’ notice, none inside 4 hours or for a no-show. If your provider cancels, you are refunded in full.

• Rented or loaned equipment stays ours until your plan pays for it in full. If it is not returned when your service ends, you may be billed for its value.

 

If you cannot pay

• Tell us. Call (260) 585-6100 or email info@navigatematernity.com and we will go through your options — a payment plan, a different covered item, or a review of the claim with your plan.

• An unpaid balance may pause new orders, but it never affects the care you are already receiving, and it never affects your access to the app.

• We will always contact you about a balance before it is referred anywhere else.

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Questions about Financial Responsibility

8310 Clinton Park Drive, Suite 100, Fort Wayne, Indiana 46825
info@navigatematernity.com · (260) 585-6100