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.
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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:
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.
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.
Call the number on the back of your UnitedHealthcare ID card to get started.
Have your out-of-network bill with you when you call.
Scroll down for next steps…
Naviguard will reach out to you within 2 business days to discuss your options.
Track the progress of your case from start to finish through our online member portal.
Once your case has been resolved, you will receive confirmation from your Naviguard Advisor.
You can access your case anytime through the member portal to check the status.
We put decades of health care experience to work for you. And it shows.
Average out-of-network balance bill reduction1
Negotiation success rate2
Average savings off billed charges3
1Naviguard data January 2021 – April 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 – April 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 – 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.
4Naviguard 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.
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.*
Thank you so much!! This is such a huge weight off my shoulders!*
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!! *
Definitely will recommend Naviguard, they were extremely helpful and took over the issue right away and fixed it. Thank you, thank you!!!!!!!!!!!!!!!!!*
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.*
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
Use these resources to learn more about out-of-network bills, how to deal with them, and how to avoid them.
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
Deductible, copay, and coinsurance are common terms in health care – but what do they really mean? And how do they affect you?Learn More
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
Have a question for Naviguard or want to learn more about our out-of-network medical bill services?