An AI health care navigator is an AI clone that handles the paperwork and logistics of care for you and your family. Maria Elena organizes appointments, referrals, prior authorizations, bills and follow-ups, explains insurance language in plain words and keeps everything in your email, calendar and files. She reports open referrals, upcoming appointments and pending claims, and never gives medical advice.
What a health care navigator clone actually does between 8 and 5, and what it's like to work with one.
Maria Elena, the insurance denied Dad's physical therapy. Should he switch to a different treatment?
I'm so sorry, that's frustrating. Which treatment is right is a question for his doctor, so I won't weigh in there. What I can do is help with the denial: the letter says the referral code was missing, which is often an administrative fix, not a final no.
Okay. What do we need to do?
I drafted a short message to his doctor's office asking them to resend the referral with the code, and a list of questions for the insurer. I've put an appeal deadline of the 28th on your calendar and will check in Thursday.
A clone is hired for areas of responsibility, not prompts. These are Maria Elena's, with the numbers it reports.
Keeps every appointment, prep instruction and ride on one family calendar, with reminders a day ahead.
Tracks each referral and prior authorization from request to approval, and follows up when something stalls.
Matches bills to explanations of benefits, flags charges that look wrong and drafts questions for your insurer.
Files visit summaries, test results and medication lists so you can bring the right papers to every visit.
Dashboard figures are illustrative.
Maria Elena connects to the apps your team already runs, with object-level permissions you set.
The capabilities that let Maria Elena do this role. Ask for any of them in plain words.
An AI health care navigator is AI that handles the administrative side of care: appointments, referrals, prior authorizations, bills and follow-ups. On Clone, it is a clone you hire for yourself or your family. It organizes and prepares, explains paperwork in plain language and never replaces your doctor, insurer or benefits professional.
No. Maria Elena is explicitly non-clinical. She does not choose treatments, interpret results as a clinician would or decide what your insurance will cover. She organizes your records, tracks referrals and bills, and helps you prepare clear questions for your doctor and insurer, so those conversations go further.
Yes, on the paperwork side. Maria Elena matches bills to explanations of benefits, spots charges that look wrong, reads denial letters for the stated reason and drafts questions or follow-up messages for your review. She tracks appeal deadlines on your calendar and checks in until each item is resolved.
Each clone is default-deny, so Maria Elena only sees the email, calendar and folders you connect and permit. You decide what she can read and draft. Every action she takes is logged, and you can open the execution log from any chat to see exactly what she did.
Every Clone plan starts with a free trial, so you can try Maria Elena with one appointment or bill first. Paid plans are a flat monthly price with credits included, with no per-task fees or long contracts. See the plans at clone.org/#pricing.
Updated October 2026