The Most Complex System to
Understand and Navigate


Are you Confused, Frustrated and Angry


Navigating healthcare is complex

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Your source for practical information

The following are "HOW TO"S" for planning your healthcare.

HCNC Saved Me $681

My daughter had emergency surgery while at college. I received many bills and asked HCNC to review them. They found the hospital processed an insurance payment wrong and was billing an additional $681 to me. They called the hospital, explained the problem and the hospital adjusted the bill.

I Received a Bill that was 18 Months Old

I received a $181 bill from my doctor that was 18 months old. I asked HCNC to review. They contacted the insurance company and doctor’s office to discover the bill sent to me was result of an audit performed by the insurance company requesting their payment back. The bill was not my responsibility and was adjusted.

Out of Network ER Bill was $5200

I went to the ER and the total bill was $5200. I had an insurance policy that had a $5000 deductible. My insurance was out of network and it paid $98. I made many calls to the hospital to find out if they would discount my bill. No Luck; I contacted HCNC. The hospital committed to a 20% discount. Other Insurance plans receive a 40% discount. We asked for a 40% discount and was turned down. We have filled a complaint with the State Department of Insurance requesting a meditation hearing. More to come.

I Received a $4000 Bill from My Surgeon

I had hip surgery and the procedure code used by the surgeon was denied because it was “experimental”.  Multiple attempts to reverse the denial were unsuccessful.  I thought I did very thing right before and after the surgery. I was wrong. I contacted HCNC and they investigated the claim on my behalf.  They were able to negotiate and convince the billing office to write off the $4000.

Saved a Patient Over $1200

The patients' hospital account was sent to a collection agency.  He was eligible for financial assistances.  HCNC help in completing and managing the process with a result of the hospital writing off over $1200.

Section 1:  Government Sponsored Programs:  Medicare, Medicare Advantage, Medicaid and Social Security Navigator

Government supported programs can be very difficult to understand and navigate.

Our goal is to help the consumer navigate Traditional Medicare, Medicare Advantage, Medicaid, Social Security and Nursing Homes

Section2: Develop Your Healthcare Personal/Family Planner

Planning for your healthcare annually can be very daunting.  As the healthcare landscape changes, this process will become very important.  The goal is to help the consumer with a practical approach to plan for their healthcare.


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Consumer Information Navigator

Healthcare is confusing.  This section is dedicated to help the Healthcare Consumers Navigate the healthcare system by focusing on the following:

Section 1:  Healthcare “HOW TO’S”

Section 2:  YouTube and Podcast Videos

Section 3:  Consumer Check List for Managing Elder Consumers

Section 4:  Understanding the Healthcare Billing Process

Section 5:  Healthcare Debt

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Healthcare Quality, Pricing and the No Surprise Act Navigator

Quality in healthcare means providing the care the Consumer needs, when the Consumer needs it, in an affordable, safe, effective manner. Quality healthcare also means engaging and involving the Consumer, so the Consumer takes ownership in preventive care and in the treatment of diagnosed conditions.


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Consumer SCAMS:  What You Need to Know

Consumer scam and fraud comes in many different shapes and forms. However, the official definition describes it as “deceptive practices that result in financial or other losses for consumers in the course of seemingly legitimate business transactions.”

Basically, this means that goods or services are sold using some form of deception. The goal is to make consumers pay more than would be reasonable, sometimes for products or services they will never receive. The practices are deceptive and unlawful and unsuspecting customers are conned out of a lot of money. As technology evolves, consumer scams evolve as well. This is why many now originate on the internet.

A lot of people believe that only unwitting people who are naive will be duped. In reality, however, anyone can be victimized by consumer fraud. For instance, you may be paying too much for a magazine subscription. This is something minor, but it can also be as bad as having your identity stolen.

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The Healthcare Consumer Navigator Center is your all-inclusive healthcare reference site to guide you through the healthcare maze.



NEW:  CARING FOR AGING PARENTS can be a complicated maze of managing personal care and navigating the healthcare system. HCNC has published “CHECK LISTS” to help caregivers navigate the maze. By beginning to prepare for what might come you will make both your lives (you and your parents) much easier. Find the information in our Consumer Information Navigator above.

NEW:  The No Surprise Act (SURPRISE BILLING) is effective January 1, 2022.  Our goal is to provide the consumer with an easy-to-use guide to help navigate the Act.  Find the information in our Consumer Information Navigator above.  

NEW:  CONSUMER HEALTHCARE SCAMS.  Located in our Consumer Trends Navigator, this section will help guide you understand and guide you to manage healthcare scams.

NEW:  Our new HEALTHCARE MEDICARE/MEDICARE ADVANTAGE NAVIGATOR will focus on issues relating to the older healthcare consumer. This section will have timely and valuable information.

NEW…Check Out Our Pod Casts..Hosted on Buzzsprout:



Click on the Link Below


The Healthcare Consumer Needs Help

The typical healthcare consumer, at some point in time, will have a negative experience with or navigating the healthcare process.  The consumer lacks a basic understanding of the healthcare system. This is a deadly combination that creates consumer frustration and, at times, financial risk. Consumers are being asked to do more and pay more for healthcare. These new variables will force the consumer to plan and implement a Personal/Family Healthcare Plan. The plan will help the consumer select the correct healthcare providers and budget for annual healthcare expenses. Healthcare is changing rapidly. The following are several examples:

  • High deductible health plans are becoming the norm
  • Provider networks are changing and are shrinking
  • Consumer are forced to assume more medical and financial risk

These changes are forcing the consumer to plan! HCNC is committed to assist the Healthcare Consumer.

FAQ’S About Healthcare Consumer Navigator Center

What does Healthcare Consumer Navigator Center do?
HCNC is a national organization that provides FREE guidance, advice and information to the Healthcare Consumer.
What Information do you provide consumers?
HCNC provides information, such as:
1. How to develop a Personal/Family Health Plan
2. What type of healthcare discounts are available to the consumer
3. What type of health insurance plans are available to the consumer
4. Monitoring and reporting on current healthcare consumer trends
Can I ask you questions about healthcare concerns?
Yes. Email us and we will answer your questions.
What is a Personal Family Health Plan?
A Personal Family Health Plan lays out the medical and financial requirements on an annual basis. Healthcare consumers plan for vacations, college, retirement, etc. but never for healthcare. The planning process guides the consumer to think and plan for healthcare.


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