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Meet Naviguard. The expert in dealing with out-of-network medical bills.

Over half of all Americans have received an unexpected out-of-network bill.

See how we can help

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What we do

Relieve your frustration with a pathway to resolution.

Out-of-network medical bills can be expensive and sometimes catch you off guard. NaviguardTM is here to provide clarity, reduce frustration, and reach a resolution where everyone benefits — patients pay market-value prices and providers receive timely payment for their work.

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Naviguard brings insight and understanding to your situation, along with decades of health care and health insurance experience. By expertly managing all the details and interactions with providers, Naviguard helps you find resolution on your out-of-network medical bills so you can breathe a sigh of relief.

Gain clarity

Benefit from a trusted resource who can manage the entire medical bill resolution process from start to finish. Let us take the responsibilities for negotiation and independent dispute resolution off your plate, saving you time and stress while helping keep your employees happy and healthy.

Protect your employees
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On behalf of patients and employers, we work with providers and healthcare professionals to quickly solve out-of-network issues, using advanced industry pricing tools to successfully negotiate an appropriate resolution that avoids arbitration and expedites your out-of-network payment.

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The Problem

The concerns are clear.

Out-of-network billing can be confusing and costly. That’s because navigating your way through an unfamiliar process takes a great deal of time, creates stress, and may not even result in clear answers.


of patients in America have been surprised by an out-of-network bill.1

2 out of 3

Americans are worried about affording unexpected medical bills.1


of out-of-network medical bills come from situations that won’t be covered by the No Surprises Act.2

1 All data sourced by Kaiser Family Foundation, Data Note: Public Worries About And Experience With Surprise Medical Bills, 2/28/2020.

2 Based on UHC commercial claims data 2020-2021.

Our Solution

Naviguard has answers

Get the out-of-network support you need with Naviguard.

Valued Ally

We serve over 2.5 million members, supporting employers and their employees by making the process of 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

We have an 88% success rate in negotiating lower out-of-network bills with providers for our members.

Based on Naviguard data from 1/1 – 7/31/2021. Negotiation success rate is based on claims negotiated to less than billed charges. Negotiation success rate may vary and is not a guarantee of future results.

Over $30 million in total member savings to date.

Based on Naviguard data through January 2022. Discount on all out-of-network paid claims (includes disputed claims and all other paid claims. Excludes denied claims.) Savings results shown may vary based on customer plan and geographic distribution and are not a guarantee of future results.

Naviguard engages with thousands of providers across the United States in over 170 care specialties.
Naviguard has handled tens of thousands of cases to help resolve out-of-network medical bills.

Contact Us

We’re here for you.

Have a question for Naviguard or want to learn more about our out-of-network medical bill services?

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