A service that serves employees’ out-of-network needs


  • There are services that review and resolve out-of-network balance medical bills
  • More and more employers are including medical bill negotiation as a plan benefit
  • Medical bill negotiation may benefit both employees and employers

The potential impact of health care costs on recruiting and retaining employees

Health care costs are continuing to rise, which makes managing medical expenses a pressing concern for both employees and employers.

Many employers are expected to absorb most of the higher costs to remain attractive to top talent and retain their workforce.1 Economic pressures have led some employers to consider reducing health benefits or shifting costs to employees, which could negatively impact recruitment and retention efforts.2

The increasing costs of health care and economic pressures have also resulted in employees deferring or delaying care, ultimately leading to higher long-term costs for employers.2 In 2024, the average cost for U.S. employers providing health care for their employees is projected to increase by 8.5% to over $15,000 per employee.3

Statistic about Americans putting off medical care due to cost

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Nearly 4 in 10 Americans said they or a family member put off medical care due to cost.

Clearly, the effective management of medical costs is critical — especially the cost of more expensive out-of-network services. But examining and understanding the bills can be challenging and time-consuming. Dealing with complex out-of-network medical bills can be stressful, anxiety-provoking and a major distraction from work.

Helping solve the problem

The emergence and growing use of health care advocacy services that review and resolve medical bills — especially when integrated into plan benefits — is not surprising since it can help solve the problem of out-of-network costs.

These services, such as Naviguard®, leverage their extensive knowledge of billing codes and market data to review bills, identify errors and contest inflated charges. In many cases, negotiation is appropriate, and medical bill services provide valuable support by assuming the responsibility of negotiating with providers and payers on behalf of plan members.

A woman smiling while looking at her laptop computer

Infographic transcript

Less stress, more productivity. By providing essential services as benefits, we can make health care more accessible and sometimes more affordable.

Less stress and distraction, more productivity.

By providing these services as a benefit, managed care organizations and employers contribute to the well-being of employees and their families, helping make health care more accessible, and sometimes, more affordable. 

Employees can focus on their well-being and work, without the stress of engaging in complex billing discussions. Employers are able to minimize costly distraction and concentrate on running their business.

The benefits of clarity and price transparency

The integration of medical bill services adds clarity and price transparency to the billing process. People gain a better understanding of their medical bills, the services they receive and the associated costs. 

This heightened clarity enables health plan members to make better informed decisions about their care. They’re able to navigate the health care system more effectively, strengthening their ability to select appropriate providers and manage their costs.

Including balance medical bill negotiation services can help improve the financial well-being and satisfaction of plan members. As the health care landscape continues to evolve, this service holds promise for a more efficient health care system — one that works better for both employees and employers.

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