Zero Co-Payments, Zero Deductibles,
Zero Out-of-Pocket.
Precis Navigator is a revolutionary self-funded medical program that offers three tier benefit structures, which allows members the flexibility to choose care that best fits their health and financial needs.
Level and Traditional
Self-Funded Options
Options for any size employer
Flexible benefit designs
Full service patient advocacy
No Out-of-Pocket Costs
for Tier One Navigation
Zero deductible benefits
Zero copays & coinsurance
No out-of-pocket maximum
A+ Rated Stop
Loss Options
Enhanced risk protection
Proactive underwriting
Value-based payments
How the Navigator Three Tiers Work
Tier One
Navigation Providers
Service received at any Advanta Navigator Provider (see plan benefits)
Member responsibility waiver when care is access through Advanta
Includes all hospital, outpatient, surgical centers and dialysis care
Tier Two
In-Network Benefits
Includes all primary care, specialist care and ancillary providers
PPO Network of practitioners, ancillary providers and facility services
Includes PNOAe for tailored provider network services
Tier Three
Out-of-Network Benefits
Benefits available for out-of-network providers
Largest cost for patients to receive care
HMA Advanta strongly advises against utilization
Navigator Plans Also Include
Utilization management and clinical care teams
Re-directed care options through Advanta Navigation
Includes PNOAe for tailored provider network services
