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UnitedHealthcare Navigate

UnitedHealthcare Navigate is an innovative commercial plan built on the fundamentals of patient-centered health. It is offered as an Individual Exchange plan in certain states with off Exchange versions when required by state law. Members choose a Primary Care Physician (PCP) to help them navigate to high-quality, cost-effective care.


  • Customized, focused network of care providers tailored for Navigate members.
  • Find participating providers using our online provider directory at UnitedHealthcareOnline.com
  • Members are required to select a PCP.
  • The member's PCP must send electronic referrals for members to see a network specialist.
  • Standard prior authorization and notification requirements apply. For details, go to Advance Notification section of the administrative guide.


Plan Models Network Provider With Referral Network Provider Without Referral Non-network Provider*
Navigate Network benefits No coverage* No coverage
Navigate Balanced Network benefits Lower-level benefit No coverage
Navigate Plus Network benefits Lower-level benefit Non-network benefit
* Except for emergency services and related admissions.


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