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← Guiding People to Care

Chapter 10

Navigation Is a Strategy

Employees need more than a benefit card: they need a trusted, understandable way to choose and use care when decisions matter.

Core idea

From concept to management action.

Navigation is a plan-design capability that helps employees act on the care and value options the plan creates.

Employees experience the health plan as a series of decisions, not as a benefits document. They need to understand coverage, find care, compare options and resolve issues when the system becomes complicated. Navigation therefore belongs in strategy, not as an afterthought or a call-center feature.

Map the moments that create friction: enrollment, a new diagnosis, an imaging referral, a specialty prescription, a behavioral-health need or an unexpected bill. Each moment may involve different partners, and each should have a clear path to a useful answer.

Define the role of every channel. Member services, advocacy, primary care, benefits staff and digital tools should have explicit responsibilities and warm-handoff expectations. When every service claims to own the whole problem, members often become the coordinators.

Preferred care pathways only work if navigation introduces them early and makes the next action easy. Explain why an option may be valuable, how to use it and what support is available. This is guidance, not coercion.

Measure resolution and confidence. Time to a useful answer, successful handoffs, completed appointments, repeat contacts and member feedback are more revealing than call volume or portal logins alone.

Chapter knowledge base

Implications for the people who lead the plan.

This companion frames navigation as a strategic service that reduces decision friction and makes the health plan’s intended care pathways usable.

For CEOs

For CEOs, navigation helps convert benefit investment into a workforce experience employees can trust.

For CFOs

For CFOs, effective guidance improves the likelihood that value-oriented plan options are actually used.

For HR

For HR leaders, navigation reveals where plan language, communications and vendor handoffs need improvement.

Questions to ask your advisor

  1. 01Which member journey creates the most repeat contacts or avoidable confusion?
  2. 02Can employees tell who owns the next step in that journey?
  3. 03What resolution measure will we review quarterly?
Read the navigation and employee experience guide

What employers commonly misunderstand

Navigation Is a Strategy is a one-time project.

The strongest improvements require a regular management cadence, documented decisions and follow-through beyond a single meeting or renewal season.

A vendor report is the same as oversight.

Reports matter when leaders agree on the questions, test the evidence and use the answers to make or adjust a decision.

More activity means more progress.

Focus on the few actions that materially improve navigation, not a long list of disconnected initiatives.

The answer is identical for every employer.

The right next step depends on workforce needs, risk tolerance, data availability and the organization’s ability to execute.

Questions for leadership

  1. 01What evidence do we have about navigation today?
  2. 02Which leader has clear decision rights and accountability for this work?
  3. 03What assumption should we test before the next significant plan decision?
  4. 04How will employees experience a better result if we get this right?
  5. 05What would credible progress look like in the next 90 days?

Key terminology

Decision rights
Documented clarity about who recommends, approves and owns a material health-plan decision.
Management cadence
A recurring schedule for reviewing evidence, making decisions and tracking commitments.
Leading indicator
A measure that signals whether the work is moving in the intended direction before final outcomes are known.
Active stewardship
Year-round employer oversight of plan strategy, partners, evidence and member experience.

Related Score questions

  • Can leaders explain the current approach to navigation and its intended outcome?
  • Do we have timely information to evaluate performance and adjust course?
  • Are responsibilities and next decisions clear across the employer and its partners?

Download the Executive Reading and Action Guide

Use this companion guide to turn Chapter 10's leadership questions into a focused discussion and practical next steps.

Download the guide

Take the next step

Find the work that matters most now.

Use the Health Plan Score to identify where your organization has the clearest opportunity to move from renewal management to active stewardship.

Take the Health Plan Score

Put the methodology to work

Apply the HPHP methodology with Employer Benefits IQ.

Employer Benefits IQ is the practical application platform for employers who want to use education, tools, data, vendor intelligence and decision support in real-world benefits decisions.

Use Employer Benefits IQ tools and decision support