Benefits Navigator is a Clone skill that helps you work through benefits, insurance, claims and patient bills step by step. It explains an explanation of benefits in plain terms, tracks a claim to resolution and prepares questions before you call a billing office. Caregiver, household manager and HR manager clones use it. It needs no app connection and does not give medical, legal or financial advice.
This EOB makes no sense. What do I actually owe?
In plain terms, the EOB shows $82 as your share. I drafted questions in case the bill you receive shows a different amount.
| Line | Amount | What it means |
|---|---|---|
| Billed | $640 | What the provider charged |
| Plan allowed | $410 | The price your plan accepts |
| Plan paid | $328 | Sent to the provider |
| Your share | $82 | What the EOB says you owe |
No forms, no workflow builder. Ask your clone the way you'd ask a teammate.
Send your clone an EOB, a bill or a claim notice you need help with.
It explains what each line means and tracks the claim until it is resolved.
Before you call a billing office, it prepares the questions and the details you will need.
Skills belong to roles. These clones put Benefits Navigator to work as part of their job.
It is an AI that helps you understand benefits, insurance claims and patient bills. With Clone, your clone explains EOBs in plain terms, tracks claims and prepares questions for billing calls.
No. Your clone explains paperwork and prepares questions. Decisions stay with you, and coverage questions go to your insurer or the billing office.
Benefits Navigator works through one item step by step, like an EOB or a claim. Medical Bill Follow-Up tracks all your open bills and claims over time and reviews them on a schedule.
No. Benefits Navigator needs no app connection. Share the documents directly with your clone.
Caregiver and household manager clones use it for family bills, and HR manager clones use it to help employees with benefits questions.
Updated October 2026