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The Next Frontier in Care Navigation: Smarter Matching, Stronger Networks

Originally published by HealthCorum

The barriers to effective care navigation are shifting—and so should our strategies.


Traditionally, prior authorization processes, narrow networks, and manual referral habits have shaped how patients end up in the hands of specific providers. But those friction points are evolving. As regulatory reform, gold-carding policies, and pressure to improve access accelerate across markets, healthcare stakeholders face a critical question:


How do we ensure patients are matched to the right providers, not just available ones?


In an environment where administrative gatekeeping is being streamlined or removed, health plans, employers, and health systems must adopt more proactive, data-informed methods to steer patients toward high-value care.


The Risk of "Access Without Direction"

Policy shifts aimed at improving timeliness and reducing administrative burden—such as the adoption of gold-carding, where high-performing providers are exempt from prior authorization requirements - offer tangible benefits. But they also come with unintended consequences.


Without thoughtful navigation infrastructure in place, greater freedom of access can amplify existing issues:

  • Referral drift toward higher-cost, lower-value specialists

  • Increased regional variation in utilization and outcomes

  • Overburdening of certain providers, while others remain underused

  • As a result, access without direction risks driving up total cost of care, especially in systems that lack tools to guide patients to providers who deliver strong outcomes at sustainable cost.


Matching Patients to High-Value Providers: Why It's Harder Than It Looks

Effective patient-provider matching isn’t simply a matter of network adequacy or geographic proximity. It requires alignment across a number of dynamic variables:


  • Clinical appropriateness: Is the provider a true fit for the patient’s condition and acuity?

  • Total cost of care: Does the provider consistently avoid unnecessary procedures and referrals?

  • Practice pattern consistency: Do they treat similar patients similarly, or are outcomes and costs unpredictable?

  • Referral reliability: Do they coordinate care efficiently or create leakage in the system?


Too often, referrals are made based on anecdotal relationships, habit, or perceived reputation—not data. Without visibility into actual performance metrics, network steering strategies fall short.


Care Navigation in a Frictionless Future

As administrative hurdles like prior authorization are streamlined, the opportunity and necessity to strengthen care navigation grows.


Leading health plans and self-insured employers are beginning to deploy:

  • Referral pattern analytics to identify high-volume, high-leakage specialties

  • Network tiering based on clinical performance and downstream impact

  • Predictive modeling to match patients with providers based on expected outcomes and care efficiency

  • Decision support tools that sit at the point of referral to guide real-time care direction


These approaches help shift care from reactive to intentional. In doing so, they improve outcomes for patients, manage risk for payers, and reward high-performing providers with greater visibility and appropriate volume.


What This Means for Network Strategy

As new coverage dynamics (such as the growth of ACA marketplaces and changes to Medicaid eligibility) push new populations into different care channels, matching becomes more critical and more complex.


To prepare, stakeholders should:

  • Map variation within their own networks—not just between regions, but between providers treating similar patients.

  • Assess navigation blind spots, especially where gold-carding or other access expansions reduce traditional controls.

  • Define “high value” in operational terms—not just clinical quality, but cost, care coordination, and patient experience.

  • Invest in infrastructure that makes intelligent matching scalable—from analytics dashboards to front-line decision support.


The Bottom Line

The removal of traditional barriers like prior authorization is not the end of care management; it’s the beginning of a new era where navigation strategy will define competitive advantage.


In this next phase, successful organizations will be those that treat referral behavior and provider matching as strategic levers, not incidental outcomes.


Because in a system that finally begins to unjam the front door, what happens next will determine both the cost and the quality of the care journey.



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