Dedicated to lowering the overall cost of care

UnitedHealthcare offers an extensive health care network that includes over 5,600 hospitals and 1.8 million health care professionals and physicians.1 Despite this vast network, broad coverage isn't enough. Employees still access out-of-network services, leading to significant out-of-network costs. That’s where Naviguard can help.

How Naviguard can benefit your organization

Naviguard services extend beyond the network to reduce the total cost of care. Support your employees and your business with key benefits including:

Cost savings

Naviguard can drive significant savings, with an average reduction of 73% off out-of-network billed charges for disputed and all other paid claims.2 That’s in addition to about $110 per month in member savings and $13 million in savings annually for an employer with 10,000 members.3

Advocacy and support

Naviguard provides personalized, one-on-one guidance. We help employees navigate the complexities of out-of-network balance bill resolution.

Expert negotiation

Our team of experts negotiates out-of-network balance medical bills on behalf of your employees.

Employee well-being

By lessening the financial burden of unexpected medical bills, Naviguard can help improve employee satisfaction and productivity.

Legislative education

We stay on top of legislative changes, such as the No Surprises Act, to ensure your employees understand how the law protects them.

Key features that help support your business

  • Reference-based pricing: We reference established and published rates and reimbursement methods to determine the right rates for medical services. This ensures that our pricing is fair and helps resolve disputes.
  • Bill review and negotiation: Naviguard reviews out-of-network balance bills. If needed, our experts will negotiate with the provider, address billing questions and resolve disputes.
  • Educational resources: Help employees understand when and how to use their Naviguard benefit. Access resources including fliers, articles and videos that explain out-of-network balance billing and the step-by-step process of how Naviguard works.

How does Naviguard work?

Making a difference for members

Hear from Naviguard Advisors as they share what inspires them to be advocates for our members.

Watch next

    Count on our track record of success

    1.4M+

    cases worked by our team of experts to help reduce out-of-network costs4

    ~$2,600

    average reduction per case5

    76

    best-in-class Net Promoter Score for simplified member experience6

    75%

    success rate resolving negotiated balance medical bills7

    Education resources

    Share these resources with your employees to help them get a better understanding of how their out-of-network benefits work. Plus, learn more about health insurance and health care costs.

    Help employees understand out-of-network care, how their Naviguard benefit works and what they can expect if they open a case.

    Out-of-network 101

    Step-by-step guide to working with Naviguard

    Resolve out-of-network balance medical bills

    Offer employees guidance on using their health plan benefits and help them understand how health insurance costs work.

    Understanding health insurance costs

    Types of health insurance costs

    5 common health insurance mistakes

    What is an explanation of benefits (EOB)?

    Learn how offering a strong benefits package can positively impact your employees and your business.

    3 ways to help create more holistic benefits

    Behavioral health benefits for your employees

    Questions about Naviguard?

    Contact your consultant, broker or UnitedHealthcare sales representative.