Navigator checks your quarterly statement automatically — and tells you when something is wrong.
Start Navigator — $29/month →Most families don't realise the statement is wrong until they're looking at six months of history and doing the maths themselves. By then the provider has taken the excess legally — it's been paid, and getting it back requires a formal dispute most families don't know how to start.
The families who catch errors catch them in the same month they occur. That's the difference between recovering $203 in overcharged fees and writing off six quarters of them.
Navigator is for the family who wants someone keeping watch — not because they're suspicious of their provider, but because they know nobody else is checking.
Navigator's fee calculations are based on the classification figures published by the Australian Government Department of Health and Aged Care, updated every 1 July. The legal caps it checks against come directly from the same source your provider is required to follow. There is no interpretation involved — the numbers are either within the published cap or they aren't.
If you're not confident it's working correctly within 30 days, reply with "Refund." No form required.
Every quarter, Navigator checks your provider's care management fee against the legal cap. If it's wrong, it gives you the exact words to fix it. If it's right, you hear nothing — which is the news you want.
Automated statement analysis
You reply with your care management fee figure — the agent checks it against your classification cap and returns a verdict the same day. You don't calculate anything.
Week 10 unspent funds alert
Your quarter closes at a set date. Unspent funds above your rollover cap don't carry over — they're gone. Navigator tells you in week 10, when there's still time to act.
Monthly statement prompt
A statement that arrives late — or doesn't arrive — is a problem most families notice three months too late. Navigator prompts you when your statement is due.
Annual 1 July update
Classification figures update every 1 July. Your cap figures update automatically. You never check against stale numbers.
Navigator doesn't assume your provider is overcharging. It assumes you deserve to know either way.
You can. The formula is simple. What you won't have is the quarter-end date. You won't know the quarter is closing until it has. You won't have the updated cap figures after 1 July. You won't know your statement is two weeks overdue unless someone tells you. The knowing when to check is what Navigator does.
Checking your statement isn't a sign of distrust — it's what the government expects you to do. The ACQSC's enforcement model is complaints-driven. They can order refunds — but only when someone reports an issue. The system was designed assuming families would verify their own statements.
Most providers charge correctly. Navigator will confirm that for you, automatically, every quarter.
The question isn't whether your provider will overcharge you. The question is whether you'd know if they did. Right now, you wouldn't. Navigator changes that for $29 a month.
$29 a month. $348 a year.
If your provider overcharges you once at Classification 3, that's $274 gone in a single quarter — $822 over three quarters before most families notice. Navigator costs $348 a year. But that's not the only way to think about it.
Because even if your provider charges correctly every single quarter — Navigator still costs $29/month. What you're buying isn't a catch. You're buying the certainty that you would know if something were wrong.
That certainty is the product.
If Navigator doesn't give you confidence your statement is being applied correctly within 30 days — reply to any email with 'Refund' and I'll return your first month in full. No form. No justification. The reason I can offer this: the overcharge rate among providers is not zero. Most families just never check.
Cancel any time. Refund available within 30 days. No lock-in.