Healthcare Navigator

Karis360 members never face the healthcare world alone. Each member has access to an expert Advisor to help address healthcare needs and concerns.

  • Looking for a Physician or Hospital?  Karis360 Advisors will find quality physicians, specialists and surgeons in the member’s area who focus on the member’s unique healthcare needs.
  • Need Alternative Treatments?  Advisors help find alternative care in areas like Chiropractic, Acupuncture, Homeopathic and Naturopathic.
  • Health Cost Estimates  Cost estimates for various outpatient procedures are provided so members know what to expect.
  • Medical Records Transfer  Karis360 Advisors organize the seamless transfer of member medical records between providers.
  • Insurance Policy Assistance  Advisors can help clarify health insurance benefits as well as help resolve issues and expedite solutions.
  • Elder Care Solutions  Members get help with finding assisted living facilities, coordinating home health, Medicare questions, VA benefits, supplemental insurance and more.
  • Appointment Scheduling  Advisors are happy to schedule primary care and specialist visits, labs, imaging, flu shots and more.

Bill Negotiator

With two-thirds of all bankruptcies in America including a medical bill debt component, the Bill Negotiator becomes important as we assist members in avoiding financial hardship and possible bankruptcy.

  • Medical Bill Negotiation  Karis360 Advisors will assign a dedicated Patient Advocate to work directly with a member’s healthcare provider (doctor’s offices, hospitals, etc.) to help reduce their medical bills. Members provide a written estimate stating the bill will likely total over $2,000 and Advisors will pre-negotiate the potential medical bills easing stress and saving money.
  • Pre-Negotiation  Advisors can negotiate potential medical costs before a procedure. When members provide a written estimate showing the bill will likely total over $2,000, Advisors will pre-negotiate the potential medical bills easing stress and saving money.
  • Results  Karis360 has unparalleled results negotiating discounts. Members can see an average of 40-70% savings after insurance has been applied.

Surgery Saver

Each Karis360 member has access to an experienced Advisor who researches up to five surgical facilities for non-emergency procedures in the member’s area with information regarding cost, quality, availability and physician privileges.

  • Results  With Surgery Saver, members see an average savings of $13,000. Advisors have found a 66% difference between the highest and lowest quoted surgery costs between facilities.


On-staff Chaplains are available to spend time with members on the phone, listening and providing support. Sustaining, guiding and healing, Chaplains help members find answers and direction.

Note: Karis360 is not insurance and does not provide funds to pay for bills. This is a best-efforts service. Despite Karis360’s diligent efforts on member’s behalf, some providers refuse to make accommodations to help resolve outstanding medical bills.