UnitedHealthcare Navigate®

Promoting better health and lower costs.

An innovative health insurance product built on the fundamentals of patient-centered care, with the goal of enhancing the patient-doctor relationship and promoting better health and lower costs.

Guided Care and a Robust Suite of Online Tools and Resources

UnitedHealthcare Navigate plans offer comprehensive, patient-centered health care benefits. Members will choose a primary care physician (PCP) as their trusted partner in health care who also grants referrals for specialists’ services.

With UnitedHealthcare Navigate, there are a variety of plan design options that provide traditional benefits with the security and guidance of a primary care physician.

Coverage for a Variety of Services

UnitedHealthcare Navigate provides coverage for a wide variety of services:• Doctor office visits• Ambulatory patient services• Emergency services• Hospital care• Lab services• Pregnancy and newborn care• Mental health and substance use disorder services• Prescription drugs• Rehabilitative services and devices• Habilitative services and devices• Preventive care services• Wellness services• Pediatric oral and vision services• Chronic disease management

UnitedHealthcare Navigate offers network coverage for members who obtain a referral from their primary care physician prior to seeing another physician or specialist in the network. No coverage is provided without a referral. Non-network coverage is not available, except in the case of emergency care.

Chart your own course

UnitedHealthcare NavigateBenefit levels} Network benefits;

single-tier benefit

Network physician benefits with a prior referral only} Prior referral required for all physicians in this plan

No non-network coverage, except for emergency care

A trusted health care guide: the primary care physician

Upon enrollment in any Navigate plan, members must select a primary care physician from the Navigate network. Primary care physicians can be general practitioners, family practitioners, internists or pediatricians. If a member does not choose a primary care physician, one will be assigned to them. Each family member can choose a different primary care physician to manage their health care needs. The primary care physician will provide care for the majority of a member’s needs – routine care, such as annual well visits and preventive care, as well as care for sickness or injury. Since the primary care physician will be the member’s first and foremost source of care and will understand the member’s health needs thoroughly, they can best refer the member to other network physicians or specialists when additional care is needed.

Primary care physicians actively promote higher quality and efficient care for members by helping them get the appropriate care at the appropriate time. Members must obtain a referral from their primary care physician before seeing another network physician.

Referrals are not required for services from a network OB/GYN, from network behavioral health and substance use disorder clinicians or for routine refractive exams from network providers. Certain inpatient and outpatient procedures require that the network physician obtain prior authorization from UnitedHealthcare before the procedure is performed.

The primary care physician is the key to helping members live healthier lives, guiding them through a complex health care system and helping them get the right care at the right time from the right providers.

Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affi liates. Administrative services provided by United HealthCare Services, Inc. or their affi liates. Health Plan coverage provided by or through a UnitedHealthcare company.

100-10887 1/2014 Single Plan version: Navigate©2014 United HealthCare Services, Inc.

UHCEW681270-000

Good for your employees. Good for your bottom line. For more information, call your UnitedHealthcare representative today.

All health plan ID cards will carry the product name UnitedHealthcare Navigate. Th e name and telephone number of the member’s primary care physician will be listed on the health plan ID card. Members should present their health plan ID card to their provider at every visit so their provider bills UnitedHealthcare correctly.

Secure passage to care: Health plan ID cards

Sample health plan ID card