Concierge Nursing Services FAQ

To ensure we can provide the highest level of "Radical Advocacy" without the restrictions or delays often found in traditional insurance models, CareSage Concierge is a direct-pay (cash-only) service. This allows us to focus 100% of our energy on your clinical needs and personalized roadmap rather than insurance paperwork and corporate oversight. 

For clients on a Medicaid spend down, CareSage services are often considered qualifying medical expenses. I provide itemized clinical invoices that you can submit to your HHS caseworker to help meet your monthly spend down requirement. Since I am a Registered Nurse, the clinical oversight and medication management I provide fall under the state's definition of allowable medical care.

Disclaimer: Medicaid rules are complex and can vary by caseworker. Clients should always verify specific expenses with their Iowa Health and Human Services (HHS) representative or an elder law attorney to ensure they remain in compliance.

At CareSage, we want to ensure that high-quality, individualized nursing care is as accessible as possible. While we operate as an out-of-network provider, many of our clinical services—including Medication Reconciliation, Health Advocacy, and Care Coordination—may be eligible for reimbursement through your healthcare savings accounts or private insurance.

Clinical nursing services are often considered "qualified medical expenses" under IRS guidelines. This means you may be able to use your Health Savings Account (HSA) or Flexible Spending Account (FSA) to pay for CareSage services directly with your plan’s debit card or by submitting our itemized receipts for reimbursement.

• Note for 2026: New federal regulations have expanded eligibility for certain direct care fees. We stay informed on these shifts to help you navigate your payment options.
  

If you have a PPO or POS insurance plan with out-of-network benefits, you may be eligible to receive money back for the care you receive. Upon request, we will provide you with a Superbill—a specialized, itemized receipt containing the necessary medical coding (NPI, CPT, and ICD-10 codes) that insurance companies require to process a claim.

You can submit this document directly to your insurer to seek reimbursement toward your out-of-network deductible.

Important Disclaimer
While CareSage provides the documentation necessary for potential reimbursement, we cannot guarantee that any specific service will be covered by your insurance provider or tax-advantaged account. Every plan is unique. We strongly recommend contacting your insurance member services or plan administrator prior to your session to confirm their requirements for "out-of-network nursing services" and to verify if a Letter of Medical Necessity (LMN) is required for your specific situation.

We believe in earning your trust every single month. Our concierge membership is month-to-month only, with no long-term contracts. This provides you with the flexibility to scale your care up or down as your family’s needs evolve. 

Yes! We are committed to supporting families staying together at home. When two clients in the same household enroll in our concierge services, we offer a 10% discount on the combined membership or service fees. 

CareSage Concierge is a professional advocacy and clinical management service available during our standard business hours of Monday-Friday 8am-5pm. 

We believe that high-stakes medical advocacy requires a sharp, focused, and refreshed mind. By maintaining a healthy work-life balance outside of these hours, I ensure that during the workday, I am performing at my absolute peak—providing you with the "Sage" wisdom and fierce advocacy you deserve.

Note on Emergencies: We are a clinical partner, not an emergency response service. While our goal is to keep you out of the hospital, we understand this isn't always possible. In the event of an immediate medical crisis, please dial 911. Our concierge team will follow up during business hours to manage the clinical "after-care," coordinate with your physicians, and navigate the transition of care.

Not at this time. CareSage Concierge focuses primarily on expert advocacy, clinical navigation, and care management. However, we do offer Select Clinical Services for our clients. Specific medical tasks—such as injections, IV fluids and medications, lab draws, and PICC line maintenance —can be performed by your principal concierge nurse. To initiate these services, we require an addendum to the service agreement, and a signed order faxed directly from the client’s healthcare provider.

Yes. We utilize Practice Better, a secure, HIPAA-compliant client portal designed to streamline your care experience.

By centralizing your health journey in one professional platform, we provide several key benefits to our clients and their families:

• Secure Communication: Direct, encrypted messaging with your concierge nurse ensures your private health information stays protected.
• Centralized Care Roadmap: Access your personalized assessment, medication reconciliation, and care strategy 24/7 from any device.
• Seamless Coordination: Easily share documents, lab results, and physician orders in one place, acting as the "single source of truth" for your health quarterback.
• Family Transparency: With your permission, designated family members can be granted access to updates, ensuring everyone is on the same page regarding your care plan.
• Effortless Scheduling & Billing: Book your consultations, manage your month-to-month membership, and handle payments all within a single, user-friendly interface.

Yes, a one-time assessment is required to establish care; however, a simple service like a mobile lab draw would qualify for our streamlined Express Intake. This brief session allows us to review your medical history and complete necessary administrative tasks to officially welcome you as a CareSage client. 

CareSage maintains comprehensive coverage to ensure the highest level of professional protection and client safety, including professional liability, general liability, and cyber insurance. This robust insurance suite safeguards our clinical practice, physical environments, and your private health information, allowing us to focus entirely on your personalized care. 

While CareSage specializes in comprehensive senior care management, our services are also available to any adult aged 18 and over. We provide expert support for post-operative recovery and the ongoing management of chronic conditions such as CHF, diabetes, COPD, and heart disease. Whether you are navigating a new diagnosis or recovering from surgery, we offer the clinical oversight and advocacy necessary to maintain your health and stability.