• Skip to primary navigation
  • Skip to main content
  • 1-800-960-1371
  • Agent Login
  • Quoting Tools
    • Life
    • Senior
  • Free Marketing Guide
  • Blog

AgentLink

With AgentLink, you have easy access to the carriers you want and the tools and resources you need to offer the best to your clients.

  • Products
        • Life
          • Info
          • Products
          • AML Training
          • Quoting Tool
        • Senior
          • Info
          • Products
          • Certifications
          • Compliance
          • Quoting Tool
        • Group Benefits
          • Info
          • Products
          • Our Process
          • Quote Request Form
        • Individual Benefits
          • Info
          • Products
          • Our Process
          • Enrollment Tool
        • See our Concierge Services
  • Tools
  • Resources
    • Marketing Guide
    • Carrier Links
    • Group Compliance Resources
    • Sales Webinars
    • Training Webinars
    • Marketing Webinars
    • Errors & Omission Program
  • About
  • Contact Us
  •  1-800-960-1371
  • Life Quoting Tool
  • Senior Quoting Tool
  • Marketing Guide
  • Blog
Previous
Next

Proposed Rule for Navigators Stresses Training, Impartially.

Proposed Rule for Navigators Stresses Training, Impartially.

HHS’s long-anticipated proposed regulation for “navigators” covers familiar ground as it reiterates the need for the new workforce to receive training and certification and remain free of conflicts of interest with health insurers. Navigators, who are considered crucial to the success of the Affordable Care Act (ACA), will work with federally facilitated and state-partnership insurance exchanges to help millions of consumers review their coverage options when enrollment starts this fall.

The 63-page rule, released April 3, outlines standards for navigators and emphasizes that they must be impartial on qualified health plans (QHPs) and can’t choose coverage options for applicants or determine eligibility. The rule also includes a new provision that would establish conflict-of-interest, training and accessibility standards for navigators and “non-navigator assistance personnel” for both federally operated and state-run exchanges. Navigators will be funded by federal and state grants.

According to the proposed rule, “Navigators shall not be health insurance issuers or receive any consideration directly or indirectly from any health insurance issuer in connection with the enrollment of any qualified individuals or employees of a qualified employer in QHPs.”

Agents Must Meet Standards to Be Navigators

HHS also said its proposed regulations would permit agents and agents to serve as navigators in an exchange operated by HHS, provided that they “can satisfy the standards that will apply to all navigators in the exchange.”

Defining who can be a navigator has proven controversial, particularly among agents and agents who see navigators as potentially encroaching on their turf. But an industry trade group official deflects this concern.

“We more look at it from a consumer-protection angle,” says Ryan Young, senior director for federal government affairs at the Independent Insurance Agent and Broker Association.

“We just want to make sure these folks are properly licensed, trained and preferably have some sort of financial-responsibility requirement, whether that’s bonding, errors-and-omissions insurance or similar requirements on agents,” he tells HRW. “Because if a mistake is made at some point and the consumer is financially harmed, you need to make sure the consumer is made whole.”

Ryan says the proposed rule doesn’t provide any “bombshells” and largely confirms previous guidance. He says it provides adequate consumer protection on the oversight licensing and training aspects. “But it still is a little unclear on the financial-responsibility requirement,” he adds. “It specifically references ‘errors and omissions’ insurance, and that cannot be required on navigators.”

According to the proposed rule, any requirement by a state or an exchange that navigators be agents and agents, “or obtain errors and omissions coverage,” would violate the ACA provision that says at least two types of entities must serve as navigators, “because it would mean that only agents or agents could be navigators.”

In addition, the proposed rule estimates salaries of this workforce. It projects a $20 hourly wage for navigator assistants and $48 for senior executives. The guidance doesn’t say how many navigators will be necessary.

 www.aishealth.comwww.aishealth.com/enews/businessnews

 

 

Filed Under: Healthcare Reform News, News and Updates

Previous Post: « CMS Releases Explanation of the Role of Agents, Brokers, and Web-agents in Health Insurance Marketplaces
Next Post: Affordable Care Act Deadline: Employee Notices of the Health Insurance Marketplace (Exchange) Due by October 1, 2013 »

You might also enjoy...

insurance sales tips for uncertain marketsTips for Insurance Agents Overcoming Sales Objections During Seasons of Uncertainty

Considering the state of the world, you never know what someone might be dealing with and why they aren’t ready to make a decision about insurance. While hearing “no” might not be the best feeling, don’t count your losses too quickly. Before you give up on […]

Read More
healthsherpaHeathSherpa Improves How You Market & Enroll ACA Clients

At AgentLink, we’re proud to partner with HealthSherpa, an innovative healthcare technology and the country’s largest ACA agent enrollment platform. As a faster and easier alternative to Healthcare.gov, you’ll have the leading technology you need to maximize your Marketplace experience. HealthSherpa is also the #1 Marketplace […]

Read More

Don’t forget to browse the free tools and resources we offer our agents and prospects, including our popular online quoting tools

Download the Digital Marketing Guide

Go to Resources

Get Contracted Now

Contract with us, to get appointed with your desired carriers

Please enter your email address below  to stay up-to-date with changes in the industry.

  • This field is for validation purposes and should be left unchanged.

Copyright © 2023 · Showcase Pro on Genesis Framework · WordPress · Log in

  • About
  • Contact
  • Careers
  • Life
  • Senior
  • Group Benefits
  • Concierge Services

Agent Login

Resources

Tools

Free Marketing Guide

1-800-960-1371

AgentLink Kentucky Office
2001 Lake Point Way, PO Box 23570
Louisville, KY 40223
Toll Free: 800.960.1371
Direct: 502.245.1371
Fax: 502.245.0978

AgentLink Indiana Office
3077 East 98th Street, Suite 135
Indianapolis, IN 46280
Toll Free: 866.462.9067
Direct: 317.569.8490
Fax: 317.569.8705

Copyright © 2021 AgentLink. All Rights Reserved.
Website Design and Digital Marketing by The Marketing Squad

  • Senior Products
  • Quoting Tool
  • Get Contracted
  • Brittney: 502-245-1371
  • Life Products
  • Quoting Tool
  • Get Contracted
  • Scott: (502) 245-1371
We use cookies to make our website a better place. Cookies help to provide a more personalized experience for you and web analytics for us. To learn more, and to see a full list of cookies we use, check out our Privacy Policy.
Cookie SettingsAccept
Manage consent

Privacy Overview

This website uses cookies to improve your experience while you navigate through the website. Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies. But opting out of some of these cookies may affect your browsing experience.
Necessary
Always Enabled
Necessary cookies are absolutely essential for the website to function properly. This category only includes cookies that ensures basic functionalities and security features of the website. These cookies do not store any personal information.
Non-necessary
Any cookies that may not be particularly necessary for the website to function and is used specifically to collect user personal data via analytics, ads, other embedded contents are termed as non-necessary cookies. It is mandatory to procure user consent prior to running these cookies on your website.
SAVE & ACCEPT
  • Products
    ▼
    • Life
      ▼
      • Info
      • Products
      • AML Training
      • Quoting Tool
    • Senior
      ▼
      • Info
      • Products
      • Certifications
      • Compliance
      • Quoting Tool
    • Group Benefits
      ▼
      • Info
      • Products
      • Our Process
      • Quote Request Form
    • Individual Benefits
      ▼
      • Info
      • Products
      • Our Process
      • Enrollment Tool
    • See our Concierge Services
  • Tools
  • Resources
    ▼
    • Marketing Guide
    • Carrier Links
    • Group Compliance Resources
    • Sales Webinars
    • Training Webinars
    • Marketing Webinars
    • Errors & Omission Program
  • About
  • Contact Us
  •  1-800-960-1371
  • Life Quoting Tool
  • Senior Quoting Tool
  • Marketing Guide
  • Blog