Naviguard brings insight, understanding and decades of health care and health insurance experience to members’ medical billing. By expertly managing all the details and interactions with providers, including negotiation if necessary, Naviguard helps members resolve out-of-network balance bills and breathe a sigh of relief.
How Naviguard works for members
WHAT WE DO
Provide clarity to the complexity of out-of-network cost management
Out-of-network balance medical bills can be expensive and sometimes catch you off guard. Naviguard is here to provide clarity, reduce frustration and reach a solution that benefits everyone — members, employers and providers.
Employee well-being is key to productivity and business growth. Naviguard is an ally that you can count on to reduce out-of-network health care costs, alleviating employee stress and making it easier for them to focus on their health and job.
Protect your employees
Naviguard works with health care professionals to quickly solve out-of-network billing issues. Our expert negotiators facilitate dispute resolution to effectively reduce out-of-network balance medical bills and expedite claim reprocessing. In addition, we make it easy for providers to engage in our process, saving you time and frustration.
How we help providers
- 1 | Darren's Story
- 2 | John's Story
Out-of-network balance medical bills can be confusing and costly. That’s why there’s Naviguard. Our extensive industry and provider network knowledge, combined with market data, brings clarity to out-of-network balance billing costs — when it’s needed most.
52%
of Americans have said that paying for medical bills has been stressful.1
74%
of U.S. adults are worried about affording unexpected medical bills.2
85%
of out-of-network claims are for services that are not covered by the No Surprises Act.3
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1 HPS/PayMedix, 2023 PayMedix "Healthcare Payments and Financial Disparities Study", 06/06/23.
2 Kaiser Family Foundation, Data Note: Americans’ Challenges with Health Care Costs, 3/1/2024.
3 Based on UnitedHealthcare commercial claims data in 2023.
OUR SOLUTION
Naviguard has solutions
Get expert out-of-network cost management support
Valued ally
We serve more than 7 million select UnitedHealthcare members, supporting employers and their employees by making managing out-of-network costs less confusing for everyone.
Trusted insight
We understand out-of-network billing, inside and out. Count on our decades of experience, our focus on ever-changing regulations and our national and local market expertise to help reach a resolution.
Meaningful Results
“This was such a blessing. My advisor explained everything and sent us the info we needed. She did all the work and kept us in the loop. Such a relief to know this has been taken care of, and I could put my focus on my husband’s health rather than fight with providers.”*
-Victoria, Arizona
“I’ve never heard of this service until I had a large balance on an out-of-network ambulance bill. Somehow this bill was reduced by nearly $500. Thank you!!”*
-Caden, Arizona
“Thank you so much!! This is such a huge weight off my shoulders!”*
-Jennifer, Illinois
Naviguard has handled hundreds of thousands of cases to help resolve out-of-network medical bills.
“Definitely will recommend Naviguard, they were extremely helpful and took over the issue right away and fixed it. Thank you, thank you!!!!!!!!!!!!!!!!!”*
- Patricia, Arizona
“In addition to a favorable outcome, the overall customer experience was excellent. First, it was easy to get a representative on the phone without going through several annoying phone menus. The interactions via email were simple to use and very straightforward.”*
- Kimberli, South Carolina
“Very easy to work with and they reduced my medical bill significantly.”*
-Karl, Tennessee
Naviguard engages with over 12,500 providers across the United States in over 160 care specialties.
“They were able to resolve my issue in a very favorable way. I just gave them the information and they did all the work.”*
Lucas, New York
Over $260 million in total member savings to date.
Savings measured by taking the difference between the aggregate out-of-network original billed amount and the aggregate final allowed amount under the plan during January 2021 – August 2024 for cases where Naviguard was engaged by a member to negotiate a balance bill on the member’s behalf, through August 2024. Includes disputed claims but excludes denied claims.
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GET TO KNOW NAVIGUARD
We’re the experts people look to for out-of-network cost solutions
We tailor a unique approach in supporting members and plan sponsors while engaging health care professionals to ensure resolution. We know the ins, the outs and the issues surrounding out-of-network balance medical billing, and make the process less confusing for everyone.
RESOURCES
Helpful resources to bring clarity
Naviguard offers resources to help you learn about out-of-network balance medical bills, how to manage them and how you may be able to avoid them. Here are just a few of our many resources:
CONTACT US
We can help
Have a question for Naviguard or want to learn more about our out-of-network balance medical bill services? Don’t hesitate to reach out.
*Experiences and results for individuals will vary. Naviguard makes no guarantee that any individual (or any group collectively) will achieve certain results.