That’s why we tailor our approach to reflect your situation. By fully understanding the details of your personal story, we’re able to make the strongest case possible when negotiating with your care provider.
Naviguard, a UnitedHealthcare service, helps you know if you’ve been billed appropriately for out-of-network health care. Depending on the bill, we’ll give you various options to resolve your balance medical bill.
Our highly trained experts have decades of health care experience and use reference-based pricing and provider network knowledge to resolve out-of-network balance medical bills.
Naviguard Advisors deliver a best-in-class member experience by providing 1-on-1 guidance to resolve out-of-network balance medical billing issues.
Naviguard services help reduce anxiety and uncertainty about balance medical bills by resolving them through out-of-network billing education, and when appropriate, custom negotiation directly with providers on your behalf.
Naviguard was created to help reduce the amount you may owe for medical care from out-of-network providers. Our experts will review your case to determine if the provider balance billed you.
If you were billed too much, our negotiators may contact the provider on your behalf to try to agree on a lower amount. Naviguard does all the negotiating and will keep you updated throughout the process.
For example, Naviguard can negotiate excessive charges from specialists, X-rays, lab analysis and other common out-of-network care situations. You don't need to do anything except complete the steps below to get started.
If you received care from an out-of-network provider, look at the Explanation Of Benefits (EOB) you get from UnitedHealthcare. If the amount you owe is higher than your cost share, you may receive a balance medical bill from the provider. When you receive your bill, call us before you pay it so we can review it, and if appropriate, negotiate it with your provider.
Navigating the health care landscape, especially the out-of-network billing part, can be complicated.
So, we’ve made it as easy as possible to use Naviguard. Below are the 3 steps to our process.
If it seems simple, that’s because it is.
Call the member phone number on your health plan ID card to activate the Naviguard benefit. Tell the UnitedHealthcare Member Services representative you've received a balance medical bill from a provider and would like to work with Naviguard to resolve your bill.
Naviguard will email you steps to create a secure online account. You'll then be asked to upload your bill and answer a few questions about your out-of-network experience.
After you provide all the necessary information, your dedicated advisor will review your case and work with the Naviguard negotiation team on possible next steps. You'll be updated along the way. As soon as your case is resolved, your advisor will contact you with the details of the outcome and provide guidance on what to do next.
You can rely on Naviguard to be there for what matters, and if necessary, negotiate on your behalf.
Average out-of-network balance bill reduction1
Average value off billed charges3
Cases resolved4
*Savings measured by taking the difference between the aggregate out-of-network original billed amount and the aggregate final allowed amount under the plan during January 2022–August 2024 for cases where Naviguard was engaged by a member to negotiate a balance bill on the member’s behalf. Includes disputed claims but excludes denied claims.
1Naviguard data January 2021 – August 2024. 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 – August 2024. Based on Naviguard’s engagement with its members during January 2021 through August 2024. 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 – August 2024. 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 – August 2024. 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.*
-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
Naviguard offers many resources to help you learn more about out-of-network bills, how to deal with them and how to avoid them. Here are a few.
Have a question for Naviguard or want to learn more about our out-of-network balance medical bill services? Don’t hesitate to reach out.
*Experiences and results for individuals will vary. Naviguard makes no guarantee that any individual (or any group collectively) will achieve certain results.
