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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
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MEET NAVIGUARD –
THE OUT-OF-NETWORK MEDICAL BILL RESOLUTION EXPERTS

Over half of all Americans have received an unexpected out-of-network bill.

See how we can help





WHAT WE DO


RELIEVE YOUR FRUSTRATION WITH A PATHWAY TO RESOLUTION.

Out-of-network medical bills can be expensive and sometimes catch you off guard.
NaviguardTM is here to provide clarity, reduce frustration, and reach a solution
where everyone benefits — patients pay market-value prices and providers receive
timely payment for their work.

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Patients

Naviguard brings insight and understanding to your situation, along with decades
of health care and health insurance experience. By expertly managing all the
details and interactions with providers, Naviguard can help you find resolution
on your out-of-network medical bills so you can breathe a sigh of relief.

Gain clarity
Employers

Benefit from a trusted resource who can manage the entire medical bill
resolution process from start to finish. Let us take the responsibilities for
negotiation and independent dispute resolution off your plate, saving you time
and stress while helping keep your employees happy and healthy.

Protect your employees
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Providers

On behalf of patients and employers, we work with providers and healthcare
professionals to quickly solve out-of-network issues, using advanced industry
pricing resources to negotiate an appropriate resolution that avoids arbitration
and expedites your out-of-network payment.

See how we help


THE PROBLEM


THE CONCERNS ARE CLEAR.

Out-of-network billing can be confusing and costly. That’s because navigating
your way through an unfamiliar process takes a great deal of time, creates
stress, and may not even result in clear answers.

57%

of patients in America have been surprised by an out-of-network bill.1

2 out of 3

Americans are worried about affording unexpected medical bills.1

70%

of out-of-network medical bills come from situations that won’t be covered by
the No Surprises Act.2

View Sources

1 Kaiser Family Foundation, Data Note: Public Worries About And Experience With
Surprise Medical Bills, 2/28/2020.

2 Based on UHC commercial claims data 2020-2021.


OUR SOLUTION


NAVIGUARD HAS ANSWERS

Get the out-of-network support you need with Naviguard.

Valued Ally

We serve over 3.5 million members, supporting employers and their employees by
making the process of managing out-of-network costs less confusing for everyone.

Trusted Insight

We understand out-of-network billing, inside and out. Count on our decades of
experience, our focus on ever-changing regulations, and our national and local
market expertise to help reach a resolution.


MEANINGFUL RESULTS

> Over $53 million in total member savings to date.

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 2021 – June 2022 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.

> “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

> We have an 85% success rate in negotiating lower out-of-network bills with
> providers for our members.

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.

> “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

> “Thank you so much!! This is such a huge weight off my shoulders!”*

Jennifer, Illinois

> Naviguard has handled tens of thousands of cases to help resolve
> out-of-network medical bills.

> “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

> Naviguard engages with thousands of providers across the United States in over
> 174 care specialties.

> “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

> Over $53 million in total member savings to date.

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 2021 – June 2022 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.

> “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

> We have an 85% success rate in negotiating lower out-of-network bills with
> providers for our members.

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.

> “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

> “Thank you so much!! This is such a huge weight off my shoulders!”*

Jennifer, Illinois

> Naviguard has handled tens of thousands of cases to help resolve
> out-of-network medical bills.

> “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

> Naviguard engages with thousands of providers across the United States in over
> 174 care specialties.

> “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

> Over $53 million in total member savings to date.

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 2021 – June 2022 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.

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GET TO KNOW NAVIGUARD


WE’RE THE EXPERTS PEOPLE LOOK TO FOR OUT-OF-NETWORK BILLING SOLUTIONS.

Resolving out-of-network bills is our sole focus – and we do it well. Naviguard
leverages decades of expertise and unrivaled market data to bring clarity and
protect patients when they need it most. Because at the end of the day, better
information leads to better outcomes.

ABOUT US JOIN OUR TEAM




RESOURCES


HELPFUL RESOURCES TO BRING CLARITY

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

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.

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 GUARANTEE
THAT ANY INDIVIDUAL (OR ANY GROUP COLLECTIVELY) WILL ACHIEVE CERTAIN RESULTS.


Naviguard
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 * Providers

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   * Careers
   * FAQ
   * Reviews & Testimonials
 * Resources
 * The No Surprises Act
   * NSA for Patients
   * NSA for Employers
   * NSA for Providers
 * Contact Us
 * Login

 * LinkedIn

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 * 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.


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 * 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




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