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 over 50% 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.


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.



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 self-negotiation and resolution.



Getting started

As a member, how do I get started?


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.

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Call Services

Connect with a Naviguard Advisor

Naviguard will reach out to you within 2 business days to discuss your options.

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Connect advisor

Create your account

Track the progress of your case from start to finish through our online member portal.

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Create account

Receive your 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.

Recieve confirmation


The proof is in the numbers

We put decades of health care experience to work for you. And it shows.


Average out-of-network
balance bill reduction1

6M +

Naviguard members


Average savings off billed charges2


Cases resolved3

  • 1Naviguard data January 2021 – May 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 – May 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.

    3Naviguard data January 2021 – December 2023. Resolved cases include all instances in which a member contacted Naviguard and the case was reviewed and negotiated or closed.


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 commenced in 2022, the NSA prohibits medical balance 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.


valued partner
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 medical balance 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

valued partner
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.



We’re here for you.

Have a question for Naviguard or want to learn more about our out-of-network medical bill services?


*Experiences and results for individuals will vary. Naviguard makes no guarantee that any individual (or any group collectively) will achieve certain results.


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