The questions families ask before they hire us — answered honestly.
Does my health insurance cover this?
No — and that's exactly the point. Your insurance pays for the care team. Malvere Health makes sure the care team works for you. Those are two different things, and insurance has never covered the second one. Think of us the way you think of a personal attorney — your insurance doesn't pay for that either, but you'd never navigate a serious legal situation without one.
If I have insurance, why do I need this?
Insurance covers your bills. It doesn't tell you which specialist is actually worth seeing, catch the medication error at discharge, call the hospitalist when your family can't get answers, or make sure your post-acute placement is right. Even with excellent coverage, a readmission will cost your family $3,000–$8,000 out of pocket — plus lost work and weeks of disruption. One prevented readmission pays for months of Malvere Health.
Can I use my HSA or FSA to pay?
Possibly. Depending on how your plan defines qualified medical expenses, Malvere Health fees may be payable with pre-tax HSA or FSA dollars — effectively reducing your cost by 20–30%. We recommend checking with your plan administrator. We'll provide documentation to support your submission.
Are you part of a hospital or health system?
No — intentionally. System-employed navigators answer to the institution before they answer to you. Our independence is the product. We have no affiliation, no referral agreements, and no financial relationship with any hospital, insurer, or provider. Our only obligation is to you.
Will my Malvere advisor replace my doctor?
Never. We advise, advocate, and navigate — we do not treat, prescribe, or replace your care team. What we do is make sure your care team is the right one, that they communicate with each other, that you understand what they're telling you, and that nothing falls through the cracks. Your doctor stays your doctor. We make sure they're working for you.
How is this different from a hospital case manager?
A hospital case manager is employed by the hospital and optimizes for the hospital's interests — throughput, liability, bed availability. They do good work within real constraints. Your Malvere advisor is employed by you, has no institutional obligations, can recommend any provider in the market, and is available after discharge when the system stops paying attention. The difference is who we work for.
What does a retainer actually get me?
Direct access to a credentialed local RN who knows your health history, your providers, and your market. Monthly proactive check-ins. Priority response when something happens. Specialist navigation, medication review, discharge support, family briefings — all included. You're not buying hours. You're buying a relationship with someone who treats your health like it matters, because it does.
How do I get started?
Request a conversation using the form below. We'll schedule a 30-minute call to understand your situation and confirm we're the right fit. If we move forward, a paid intake assessment gets us fully oriented to your health picture — and that fee is credited to your first month. We're selective about who we take on, because the work demands full commitment.