For Members
Don’t pay out-of-network balance medical bills without contacting us first
Our experts negotiate out-of-network balance bills — and may reduce the amount you owe.
To learn more, watch this video.
How we help patients
Providing guidance along the way
You’ll find flexible options to help resolve out-of-network medical bills — from dedicated one-on-one assistance by a personal advisor to digital self-service resources.
Naviguard services and resources can help you:
- Understand your medical bill better.
- Confirm if the service or provider was really out-of-network.
- Verify there were no errors on your bill.
- Better ensure you were charged appropriately and that the claim was processed correctly.
- Negotiate and resolve your bill with your care provider.
Members
Naviguard services are currently available to UnitedHealthcare members in Naviguard participating health plans at no additional cost as part of your employer benefits package. Ask your employer if you have Naviguard services.
Non-Members
If you are not a Naviguard member, our free introductory resources can help you understand your out-of-network bill better, get organized, gather the necessary paperwork, and build your case for self-negotiation and resolution.
Getting started
As a member, how do I get started?
Real results
The proof is in the numbers
We put decades of health care experience to work for you. And it shows.
$2,408
Average out-of-network balance bill reduction1
75%
Negotiation success rate2
77%
Average savings off billed charges3
200K+
Cases resolved4
1Naviguard data January 2021 – February 2023. Average reduction is based on amount claims negotiated to less than billed charges on claims where Naviguard was engaged by the patient. Negotiation success rate may vary and is not a guarantee of future results.
2Naviguard data January 2021 – February 2023. Based on Naviguard’s engagement with its members during January 2021 through August 2022. 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.
3Naviguard data January 2021 – February 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.
4Naviguard data January 2021 – February 2023. Resolved cases include all instances in which a member contacted Naviguard and the case was reviewed and negotiated or closed.
What Our Customers Say
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
Thank you so much!! This is such a huge weight off my shoulders!*
Jennifer, Illinois
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
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
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
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 commences 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.
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.
What the NSA does not cover
In general, if you choose 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 your 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.
Our resources
Resources to get you started
Use these resources to learn more about out-of-network bills, how to deal with them, and how to avoid them.
Healthcare Billing Glossary
There are many terms in the world of health insurance that can be hard for patients to understand. This guide breaks down some of the most common terms in healthcare billing.
Learn More
Out-Of-Network Healthcare Deductibles, Copays, Coinsurance
Deductible, copay, and coinsurance are common terms in health care – but what do they really mean? And how do they affect you?
Learn MoreOverview of the No Surprises Act
On January 1, 2022, the No Surprises Act (NSA) went into effect, prohibiting medical balance 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.
Learn More
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?