A health plan packed with benefits
Ways to help save money
Employees pay $0 for virtual and in-person primary care visits and behavioral health visits, virtual visits for urgent care and most generic medications.
Better quality care
Provided by Optum Virtual Care, your employees’ personal Care Team includes board-certified physicians and other providers who work together to help them achieve their best health.
A simpler experience
Your employees have unlimited 24/7 access to care and support — plus online scheduling and on-demand, same-day virtual appointments at the touch of a button.
Explore other ways to save
UnitedHealthcare has teamed up with M Health Fairview and North Memorial Health to create a new Accountable Care Organization (ACO) health plan for Minnesota small businesses. Designed to offer significant savings on medical premiums, Core and Core Essential plans provide quality care close to home.
Meet the personal Care Team
Your employees’ personal Care Team — which includes a primary care provider (PCP) — is provided by Optum Virtual Care and matched to them based on location, preferences and health profile. Their Care Team may include board-certified physicians and other providers who will work together to deliver primary, urgent and behavioral care. Care Teams are available 24/7 via scheduled or on-demand virtual visits, calls and/or in-app messaging — and can facilitate in-person care when needed.
How the plan works
It begins when your employee needs care. They start a virtual visit with their Care Team via the Optum Virtual Care app.
When they enroll
They’ll download the Optum Virtual Care app so they can connect to care — anytime, anywhere. Your employee should also provide their cell phone number and email address to get important plan updates.
After they enroll
They'll be matched with a dedicated Care Team — including a PCP — based on location, preferences and health profile. Their Care Team will provide ongoing care virtually and guide them to in-person care when they need it.
More details about the plan
Take a look at what’s included, required and good to know.
NavigateNOW plan highlights
What to know about the plan
UnitedHealthcare NavigateNOW is a virtual-first plan packed with benefits:
- Your health plan provides personalized, coordinated care that starts virtual with your Care Team and moves to in-person when necessary; it's built to help guide you to care — whether primary, urgent or behavioral — when and where you need it
- The plan gives you ways to help lower out-of-pocket costs, including $0 primary care visits, virtual urgent care visits, behavioral visits and most generic medications
- There’s no coverage if you go out of network or if you see a network specialist without an electronic referral from your PCP; you will be responsible for the entire cost of the service
- Preventive care is covered 100% in our network
NavigateNOW is available in select areas, so you’ll need to check your eligibility. After you enroll, download the Optum Virtual Care app. When you need care, you’ll begin with a virtual visit with your Care Team via the Optum Virtual Care app. It’s a good idea to download the app now — so you’ll be ready to connect to care when you need it.
A paper referral won’t be considered a valid referral — so your Care Team/PCP must submit all referrals electronically. You can check your referrals online at myuhc.com®.
You don’t need a referral for everything. You may not need one to see the following providers — as long as they’re in network:
- Obstetricians/gynecologists (OB/GYNs)
- Behavioral health or substance use disorder clinicians
- Convenience care clinics
- Urgent care clinics
- Emergency care at an emergency room
For a complete list of providers and services that need a referral, see your plan documents.
- You’ll have a $0 copay for virtual and in-person primary care visits and behavioral health visits, virtual visits for urgent care and most generic medications
- You’ll pay a copay each time you see a specialist for an office visit
- After you reach the deductible, your plan will start to share a percentage of the costs with you — this is your coinsurance
- Your out-of-pocket limit is the most you’ll pay for covered services in a plan year — and your copays and coinsurance count toward this
You may be required to receive approval for some services before they can be covered.
This plan covers the following health care services and more:
- Doctor office visits
- Emergency services
- Hospital care
- Lab services
- Mental health and substance use disorder services
- Outpatient care services
- Pregnancy and newborn care services
- Prescription drugs
- Preventive care services
- Rehabilitation services and devices
- Wellness services
This may not be a complete list of the services covered under this plan. See your health plan documents for coverage details.
Explore the network providers
Find out which doctors, clinics and facilities are included in our network.
Search the network: NavigateNOW plan
Get to know OptumRx
This plan uses OptumRx® for pharmacy care services. We’ve designed it to be easier for you to save on medications and easier to keep track of them, too — whether you’re online or on the go.
Learn about pharmacy benefits
Frequently asked questions
NavigateNOW is a new virtual-first health plan that offers the convenience of a single entry point via the Optum Virtual Care app or web portal to medical, behavioral and pharmaceutical services that begin virtually and move to in-person when necessary. It’s a health plan that’s built to help seamlessly guide you to care — when and where you need it — through a personal Care Team.
Your personal Care Team, which includes a primary care provider (PCP), is provided by Optum Virtual Care and is matched to you based on your location, preferences and health profile. Your Care Team may include board-certified physicians, nurse practitioners, care navigators and other providers who can guide you to primary, urgent or behavioral care — when and where you might need it. Your Care Team will be available 24/7 via scheduled or on-demand virtual visits, calls and/or in-app messaging to help you achieve your best health. Once assigned, you may select a specific Care Team member to engage with.
Your care journey will start with a virtual visit with a member of your Care Team via the Optum Virtual Care app or web portal. You may be guided to in-person care as needed. You will have 24/7 access to care and support — plus online scheduling and on-demand, same-day virtual appointments at the touch of a button.
NavigateNOW provides a holistic approach to care and includes primary care, wellness and behavioral support. Your Care Team can address a variety of clinical issues and questions, such as:
- Referrals for specialists and labs
- Prescriptions and refills of medications
- Preventive care needs
- Care for common health conditions (both urgent and chronic issues), mental and behavioral health visits, and follow-up visits
If you need to be seen in person, your Care Team will send the required information to the in-person clinic and/or physician and track the completion and outcome of your in-person visit. In addition, you will receive a post-visit summary after your virtual visit detailing next steps.
You and covered dependents will be matched with an Optum Virtual Care Team — which includes a PCP — based on your health profile. You are required to visit your virtual Care Team for primary care and obtain referrals to other providers and sites of care. Each family member may select a different PCP-led Care Team, if desired. All dependents must reside in the subscriber’s service area; this includes students going to school out of state or children living with another parent. If you have a medical emergency, you will be covered for emergency care received in any hospital emergency room facility. If you require nonemergency medical attention, you also have the option to seek care through any Navigate network urgent care or convenience care clinic (without a referral from your PCP). You can also get a referral from your PCP to see a specialist or other network provider in the network service area where you or covered dependents are attending school or traveling.
Yes, you can change your virtual PCP any time through the Optum Virtual Care app or web portal.
Yes, minor children or dependents are eligible for this plan and Optum Virtual Care is available to members of all ages. If you have dependents under the age of 18, you can switch from a virtual Care Team to an in-person pediatrician for your minor dependent. To change from the Care Team to a pediatrician, call the UnitedHealthcare customer service number on your health plan ID card and request a pediatrician for your minor dependent.
The first time you or a covered dependent use your NavigateNOW plan, you will complete a short patient profile that includes your medical history and preferences. Then, you’ll schedule a virtual visit using secure video with a Care Team provider who is licensed to deliver care in your state. Your provider will ask about your health concerns and may write a prescription. The details of your visit will be documented and available to you within your digital records.
NavigateNOW requires a referral to be obtained from your virtual Care Team/PCP prior to seeing another PCP or specialist. Referral requirements will be administered like any other PCP-led plan, and the Care Team (led by the physician) will provide referrals as needed based on the benefit plan.