Naviguard Out-of-Network Solutions now available for UHC ASO Surest groups

Surest is a copay-only plan with no deductible or coinsurance. With Surest, members can see actual copays — not estimates — in advance of seeking care, with lower copays often assigned to providers evaluated as high-value.

Naviguard is a fully integrated, non-vended solution designed to enhance plan value and improve the member experience. It simplifies the out-of-network process by providing expert support and personalized advocacy for both employers and their members.

Naviguard partners with employers and health plan members to resolve out-of-network balance medical bills. By working directly with health care providers, Naviguard helps negotiate and settle these bills — making health care more affordable and less stressful. This support reduces financial uncertainty for members and eases administrative burdens for employers, helping them focus on what matters most.

Naviguard currently supports more than 8.3 million ASO members — representing over 80% of UnitedHealthcare’s ASO book of business. Its proven track record makes it a valuable addition to the Surest offering.

Naviguard helps lower the total cost of care while improving the member experience. Key features include:

• Data-driven insights and reference-based pricing
• A strong member advocacy model
• Skilled provider negotiation and resolution support

For more information, please contact your UnitedHealthcare representative.