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This website uses cookies to ensure you get the best experience on our website. Learn more DeclineAllow Cookies Skip to main content Naviguard * Patients * Employers * Providers * Home * About Us * Careers * FAQ * Reviews & Testimonials * Resources * The No Surprises Act * NSA for Patients * NSA for Employers * NSA for Providers * Contact Us * Login GUIDANCE FOR PATIENTS RESOLVING THEIR OUT-OF-NETWORK BILLING ISSUES Naviguard is the trusted resource for answers to all your out-of-network billing questions. WHY NAVIGUARD BETTER INFORMATION LEADS TO BETTER OUTCOMES. 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. Bringing clarity to your medical bill Naviguard is on top of the latest healthcare rules and regulations, understands provider networks, and has access to the most up-to-date health care pricing resources. This means we know what providers should be charging you. Negotiating from a position of strength Benefit from working with a company that reaches successful bill resolutions nearly 90% of the time. Our pricing data is based on real, local market rates, our resources are widely respected, and our people bring decades of valuable insight from across the health industry. dot grid copy 10 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. Frequently Asked Questions 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 negotiation and resolution. GETTING STARTED AS A MEMBER, HOW DO I GET STARTED? 1 CALL UNITEDHEALTHCARE MEMBER SERVICES 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. 2 CONNECT WITH A NAVIGUARD ADVISOR Naviguard will reach out to you within 2 business days to discuss your options. 3 CREATE YOUR ACCOUNT Track the progress of your case from start to finish through our online member portal. 4 RECEIVE CASE SUMMARY 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. REAL RESULTS THE PROOF IS IN THE NUMBERS. We put decades of health care experience to work for you. And it shows. $2,200 Average balance bill reduction1 86% Negotiation success rate2 72% Average savings off billed charges3 64K+ Cases resolved4 View Sources 1Naviguard data January 2021 – May 2022. 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 2022. Based on Naviguard’s engagement with its members during January 2021 through April 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 1/1 – 7/31/2021. 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 – May 2022. Resolved cases include all instances in which a member contacted Naviguard and the case was reviewed and negotiated or closed. WHAT OUR CUSTOMERS SAY > 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 > 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 > 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 PreviousNext * Go to slide 1 * Go to slide 2 * Go to slide 3 * Go to slide 4 * Go to slide 5 * Go to slide 6 * Go to slide 7 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 surprise medical 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 surprise medical 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. 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. Learn More Explanation of Benefits (EOB) Explained It says, “This is not a bill.” So what exactly is an EOB, or Explanation of Benefits. This article breaks down everything you need to know about your EOB. Learn More 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. Learn More See All Resources 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? LET’S CONNECT *EXPERIENCES AND RESULTS FOR INDIVIDUALS WILL VARY. NAVIGUARD MAKES NO GUARANTY THAT ANY INDIVIDUAL (OR ANY GROUP COLLECTIVELY) WILL ACHIEVE CERTAIN RESULTS. Naviguard * Patients * Employers * Providers * Home * About Us * Careers * FAQ * Reviews & Testimonials * Resources * The No Surprises Act * NSA for Patients * NSA for Employers * NSA for Providers * Contact Us * Login * LinkedIn * Sitemap * Terms of use * Privacy Policy Naviguard is a member of the Nationwide Multistate Licensing System & Registry. NMLS # 2051222 © 2022 Naviguard, Inc. Naviguard is a trademark of Naviguard, Inc. MODAL TITLE Close Modal This is a test, only a test PausePlay % buffered00:00 01:32 UnmuteMute Disable captionsEnable captions Settings CaptionsDisabledQualityundefinedSpeedNormal CaptionsGo back to previous menu QualityGo back to previous menu SpeedGo back to previous menu 0.5×0.75×Normal1.25×1.5×1.75×2× PIPExit fullscreenEnter fullscreen Play Click to watch * Patients * Employers * Providers * Home * About Us * Careers * FAQ * Reviews & Testimonials * Resources * The No Surprises Act * NSA for Patients * NSA for Employers * NSA for Providers * Contact Us * Login WELCOME! After your visit, will you help us make our website better by completing a short survey about your time on our site? Yes No Thank You! Privacy Policy