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.
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.
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
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.See how we help
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
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.
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.
Use these tools and resources to learn more about out-of-network bills, how to deal with them, and how to avoid them.
Naviguard was created to help deal with unexpected, out-of-network medical bills. Our goal is to provide clarity and to help reduce the costs of unexpected and excessive out-of-network bills.Learn More
There are many terms and abbreviations in the world of health insurance that can be hard for patients understand. If you’re confused, you’re not alone. Our aim is to bring clarity—AND help you manage your out-of-network health care costs.Learn More
On January 1, 2022, the No Surprises Act (NSA) went into effect, prohibiting surprise medical bills for many — but not all — out-of-network services.
However, there are still situations when patients are not covered by the NSA – and that’s where Naviguard comes in.