UnitedHealthcare Navigate Plus®

Navigate Plus is a gated product, intended to deliver traditional benefits at a more budget-friendly price, while still providing the plan design flexibility. Members choose a primary care physician, who will provide care for the majority of the member's health care needs, including preventive and routine care, and care for sickness or injury. Because the primary care physician will understand the member's health needs thoroughly, they can best refer the member to other network physicians when additional care is needed. The highest level of coverage is provided when the member has a referral from their primary care physician prior to receiving services from another network physician, and a lower level of coverage if there is no referral. The lowest level of coverage applies if a non-network provider is used.