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Dealing with Out-of-Network Bills with your ally Naviguard


  1. What is Naviguard?
  2. Where Naviguard fits in the healthcare benefit process
  3. How we can help resolve out of network medical bills

It has happened to so many of us: you get a medical bill that throws you for a total loop. It’s for a provider that’s “out-of-network” – or not in your plan’s network.

You feel your blood pressure rising. It’s frustrating—because you may not even realize you’d gone outside your insurer’s network. Maybe you had a procedure with a lot of different doctors and services involved, and you thought they were all in-network. Or maybe you were just following a recommendation of your in-network provider.

Worse yet, there’s that BIG number with the dollar sign in front of it. Facing an egregious or unexpected out of network medical bill can be terrifying—in fact, many people say receiving the bill was more traumatic than the out-of-network event itself! How will you possibly afford it? What do you do next?

Don’t panic, and don’t pay your bill—yet. Turn to Naviguard instead.

Most people aren’t familiar with how to negotiate out-of-network medical bills. Naviguard was created for exactly this situation and exactly this purpose: to help you deal with unexpected, out-of-network bills. Our goal is to provide clarity and to help reduce the costs of unexpected and excessive out-of-network bills.

We do it by making sure you’ve actually been billed correctly, by ensuring that your out-of-network benefits were applied correctly and—this is the BIG one—by helping you negotiate with providers or negotiating ON YOUR BEHALF for a lower bill when appropriate.

Resolving issues around out-of-network billing is all we do. It’s our sole focus. Not only do we have a proven and impressive record of success, but our services are provided to you at no additional charge. It’s a benefit included in the health coverage offered by your employer—because we know how shocking it can be to receive an expensive medical bill, and you shouldn’t have to face it alone.

By managing all the details and the interactions with providers, Naviguard can help you breathe a huge sigh of relief.

We’ll help make sure you pay an appropriate price.

Our people bring lots of understanding to your situation, along with decades of healthcare and health insurance network experience.

We know the provider networks well, and have access to the most up-to-date industry pricing —meaning, we know what providers should be charging for services like you received, in the area where you live.

That arms us with the information we need to effectively negotiate more appropriate rates on your behalf.

Because the resources we use are widely accepted, and the numbers we reference are based on local market rates, we can negotiate from a position of strength. We’re often able to arrive at an acceptable compromise quickly.

The big question: what’s your success rate?

Naviguard has worked over 30,000 cases, engaging with more than 2,000 providers across the U.S. in over 170 specialties to navigate difficult billing challenges. In 90% of cases we’ve been successful—meaning, we’ve been able to negotiate lower out-of-network costs for members nine times out of ten.

While we work on behalf of our members and promise our full support in resolving issues FOR YOU, we aim to make the process straightforward, easier, and fair (better managing time and costs) for all parties involved—members, employers and healthcare professionals.

OK, explain how it works.

Naviguard provides flexible options to help resolve out-of-network (OON) bills — from dedicated one-on-one service by a personal advisor to digital self-service resources.

**Naviguard services are currently available to UnitedHealthcare members at no additional cost as part of your employer benefits package.** is a great place to start for resolving an out-of-network bill.

Our services and resources to 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.

If you’re not a Naviguard member, our resources can help you get organized, gather the necessary paperwork, and build your case for negotiation and resolution.

It’s not a one-size-fits-all process.

Surprise out-of-network bills have arrived at the doorsteps of nearly half of all Americans, yet every circumstance—and every member—is different. We believe strongly that better information leads to better outcomes, which is why we tailor our approach to your situation. We help strengthen your case by understanding and including the details of your specific story and using those as part of our negotiating strategy.

Naviguard: here through thick and thin.

When an unexpected out-of-network bill arrives, it’s comforting to know you’ve got someone in your corner: someone who can bring clarity and resolution when it’s needed most. Someone with experience, expertise, and a whole lot of past success in managing challenges just like yours, and not at all like yours. That someone is Naviguard. And we’re ready to go to work for you.

To learn more about the services we offer, talk to your employer, or contact us today.


Learn how Naviguard can help reduce the cost of out-of-network medical bills.

Learn about the experiences others have had with Naviguard’s services negotiating out-of-network medical bills.