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Out-of-Network Medical Billing Resources

Use these resources to learn more about out-of-network medical bills, how to deal with them, and how to avoid them.

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The Top Out-of-Network Risks

More than half of Americans have received an unexpected out-of-network bill. So what’s the secret to NOT getting one? Know when you’re most at risk of going out-of-network so you can prevent it from happening the first place.

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Medical Bills: Know the score. The credit score.

If having unpaid bills makes you feel uneasy, know that you’re not alone. What if the bill gets sent to a debt collection agency before you’ve had a chance to resolve it? Can an unpaid medical bill be reflected in your credit report? Will your credit score suffer if you don’t pay it? Here are a few words of advice.

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How to Negotiate a Medical Bill

It is possible to negotiate a medical bill if you think you’ve been overcharged. You may be able to reduce the bill, get more time to pay, work out a payment plan, or even eliminate the bill. But here’s what you need to do to prepare first.

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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?

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What is Out-Of-Network Billing?

Out-of-network means that no contract exists between the provider and insurance company. In many cases, out-of-network providers charge prices significantly higher than market rates.

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No Surprises Act Podcast

Learn more about the No Surprises Act and how it affects patients, hospitals and insurers in this informative podcast from UnitedHealth Group.

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

Naviguard was created to help deal with unexpected, out-of-network medical bills. Our goal is to provide clarity and to help reduce the costs of unexpected and excessive out-of-network bills.

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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.

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Overview of the No Surprises Act

On January 1, 2022, the No Surprises Act (NSA) went into effect, prohibiting surprise medical 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.

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