Sun Life Health Navigator

A personal care advisor when it matters most

Contact our team

Navigating complex healthcare with confidence

Health Navigator has been a trusted health advocacy partner for more than 20 years and is backed by Sun Life’s expertise in medical risk management and stop‑loss solutions. We provide high‑touch health advocacy and care navigation for any health need, supporting members and families across complex or ongoing care journeys.

How Health Navigator helps

When healthcare decisions feel overwhelming, Health Navigator provides trusted, one‑on‑one support to help people access the right care and move forward with confidence.  Sun Life Health Navigator connects people to experienced Care Advisors who combine clinical expertise with deep knowledge of benefits, disability, and medical risk management, providing personal guidance, hands‑on coordination, and expert second opinions during high‑impact health moments.

What we help with:

Care coordination

Make sense of complex care and next steps

In-network care

Identify high‑quality, in‑network specialists

Appointments

Validate diagnoses and treatment options, including expert second opinions

Benefits and administration

Navigate requirements with confidence

Member stories

See how members used Health Navigator to get guidance and coordinate care during an unexpected health concerns.

video thumbnail

Tara's story

What started as a routine doctor search revealed unexpected liver concerns. Health Navigator helped Tara coordinate specialty care and understand next steps, providing support when it mattered most.

video thumbnail

Joyce and Lulu’s story

What started as a routine doctor search revealed unexpected liver concerns. Health Navigator helped Tara coordinate specialty care and understand next steps, providing support when it mattered most.

Health Navigator is available through participating employer-sponsored benefits. Check your eligibility here.
 
For more information on Health Navigator, click here.

Interested in Health Navigator?

Contact our team to learn how Health Navigator can support high‑impact health events and strengthen your benefits strategy.

Already a member? Connect with a Care Advisor for one-on-one support.

Sun Life insights and events

The (not so) surprising need for behavioral health support for people with MSK concerns

July 12, 2024

Mental health is a year-round priority, not just a seasonal or occasional concern. In a recent blog post, the importance of transforming mental health in America is highlighted. The post discusses how the clinical intervention support provided through Goodpath is making an impact for members receiving disability benefits.

Healthcare Professionals need the right contract provisions and an experienced claims team knowledgeable about how they work and how they are paid

June 28, 2024

Healthcare professionals have disability needs specific to their industry, especially given later retirement ages and potential to return to limited work. An experienced claims team that understands physician earnings, ensuring accurate benefit calculations during partial disabilities is key, and helps physicians to continue serving patients during recovery.

2024 Sun Life Stop-Loss Research Report: High-cost claims and injectable drug trends analysis

June 06, 2024

For the past twelve years, Sun Life has shared our data and insights with the self-funded marketplace to help employers and brokers understand trends around the highest-cost claims. We are committed to providing you with actionable insights that can help you stay informed about conditions and medications most likely to result in a high-cost claim, and steps you can take to manage that risk as a self-funded employer.

View insights

Health Navigator is provided by PinnacleCare. It is not insurance. PinnacleCare is a member of the Sun Life Financial Inc. (‘Sun Life”) family of companies. PinnacleCare and its employees do not diagnose medical conditions, recommend treatment options or provide medical care, and any information or services provided should not be considered medical advice. Any medical decisions should be made only after consultation with, and at the direction of, the medical provider. Any person or entity who provides health care services following a referral or other service provided does so independently and not as an agent or representative of PinnacleCare.

Sun Life offers Health Navigator in all states and no Sun Life insurance purchase is required to purchase.

Sun Life also offers Health Navigator with Disability policies in certain states and specifically not in New York and Washington. Employers who provide group insurance coverage and make Health Navigator available within an I.R.C. Section 125 cafeteria plan should consult a tax professional to determine whether those services are Qualified Benefits for Section 125 plans.

Group stop-loss insurance policies are underwritten by Sun Life Assurance Company of Canada (Wellesley Hills, MA) in all states, except New York, under Policy Form Series 07-SL REV 7-12 and 22-SL. In New York, Group stop-loss insurance policies are underwritten by Sun Life and Health Insurance Company (U.S.) (Lansing, MI) under Policy Form Series 07-NYSL REV 7-12 and 22-NYSL. Policy offerings may not be available in all states and may vary due to state laws and regulations. Not approved for use in New Mexico.

© 2026 Sun Life Assurance Company of Canada, Wellesley Hills, MA 02481. All rights reserved. The Sun Life name and logo are registered trademarks of Sun Life Assurance Company of Canada. Visit us at www.sunlife.com/us

HNWB-10270-1-b

#4438388875 04/26 (exp. 04/28)