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For Employers

Taking care of balance medical bills and your employees

Out-of-network balance medical bills can be a headache, for those who get them and the companies they work for. Naviguard® is here to help. Our experts provide clear guidance and support so you can get to a resolution.


Our Solutions

Count on the experts

Managing out-of-network benefits and independent dispute resolution processes can be complex and demanding. But you don’t have to do it alone.

Flexible Service
Flexible service that pays off

We can handle the entire out-of-network resolution process on your behalf, from managing reimbursement strategy through dispute resolution and arbitration under the No Surprises Act, saving your company time and money in the process. And when your employees are pleased with the outcomes, that reflects well on you.

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Industry expertise you can depend on

As experts in the out-of-network space, Naviguard provides you with the detailed information you need to protect your employees and your company. Our resolutions are based upon data-driven, market-based pricing. That kind of transparency benefits everyone, especially your employees.

Valued Ally
Trusted ally with a track record of success

Our proven negotiation strategies position us to resolve the majority of out-of-network billing issues in advance of arbitration. For any situation that does proceed to arbitration under the No Surprises Act, you can count on Naviguard to provide informed compliance support, even with the new strict timeliness.

Real Results

The proof is in the numbers

We put decades of health care experience to work for you. And it shows.


Savings for our employer clients to date


Cases resolved1


Average savings off billed charges2


Negotiation success rate3

1Naviguard data January 2021 – April 2023. Resolved cases include all instances in which a member contacted Naviguard and the case was reviewed and negotiated or closed.

2Naviguard data January 2021 – April 2023. 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.

3Based on Naviguard’s engagement with its members during January 2021 – April 2023. 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.

No Surprises Act

Here’s what you need to know

On January 1, 2022, the No Surprises Act (NSA) went into effect. Effective for members when their health plan year commenced in 2022, the NSA prohibits medical balance bills for patients like you for many — but not all — out-of-network services, when the member cannot control where or who they receive care from.

However, there are still situations when patients are not covered by the NSA. That’s where Naviguard comes in.

NSA Does Cover
What the NSA covers

Under the NSA, providers of certain types of services will not be allowed to bill and pursue you directly for certain types of medical balance bills.

These include emergency services (except ground ambulance), or when an out-of-network provider is involved in your care while they are at an in-network facility.

NSA Doesn’t Cover
What the NSA doesn’t cover

In general, if a patient chooses to see a doctor or specialist who is not in-network, the NSA and its protections will not apply, and you may face much higher costs than the health plan’s in-network rate. The NSA does not protect patients from balance billing for ground ambulance services, or when the law’s notice and consent requirements are met.

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?