UnitedHealthcare Navigate is a new portfolio of products (Navigate, Navigate Balanced®, and Navigate Plus®) that focus on establishing a strong primary care relationship for each Navigate member.
Navigate products require members to choose a primary care physician (PCP) from the UnitedHealthcare network. This PCP is then responsible for managing the individual's health care needs, including making referrals to network specialists, when appropriate.
In most cases, Navigate benefit designs provide either no benefits (Navigate) or reduced benefits (Navigate Balanced/Navigate Plus) for network specialists and related non-emergency facility charges when the specialist services are provided without a referral from a primary care physician.
Navigate is not currently offered in all states, and the Navigate product offerings and plan designs are state/market-specific for fully-insured business. For more information about Navigate, please refer to the current UnitedHealthcare Administrative Guide or click on the state-specific Frequently Asked Questions (FAQs) below.