Commercial products - Chapter 3, 2021 UnitedHealthcare Administrative Guide

We create new commercial products and networks to meet member needs for affordable and quality care. We offer a variety of fully insured and self-funded commercial products for small and large groups. We also have individual benefit plans. These products vary by network size and make-up, gated or non-gated requirements, and benefit structure.

Health insurance marketplace (Exchanges)

We offer commercial products on the Individual or Small Business Health Options Program (SHOP) Exchange in some states. Commercial products on the Individual and SHOP Exchange follow the same policies and protocols within this guide, unless otherwise stated in your Agreement.

For Individual Exchange in AZ, MD, NC, OK, TN, VA and WA, refer to Chapter 4: Health Insurance Marketplace (Exchanges).

Understanding your network participation status

You are contracted to see all commercial members (including Exchange), unless your Agreement excludes you. This includes new benefit plans brought into your market after the effective date of your Agreement. UnitedHealthcare Compass requires you to be located in a limited geographic market called the Compass network service area. Verify the current Compass network service area at

Commercial networks

Each commercial product has a network of care providers we work with to provide more affordable, quality health care. Our commercial benefit plans include a subset of our commercial network care providers: Navigate, Charter, Core, Compass, Doctors Plan and NexusACO. A list of participating care providers by benefit plan is on Your Agreement requires you to coordinate care with other participating network care providers. Do not engage non-network providers in a member’s care.


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