As with many new laws before it, the Affordable Care Act has created a great deal of confusion in the marketplace. There are many ordinary Americans who have found the law's new mandates that they acquire health insurance a source of frustration, since they are generally unfamiliar with the medical coverage market. The good news is that a competent health care navigator can help in that process.
The Act's designers anticipated the confusion and included the provisions for navigators as a means of addressing it. They knew that consumers might in some cases need the assistance of these guides to help them work their way through the complexities inherent in the new system. That's why these navigators have been given such a critical role in the implementation of the Act at the point where consumers need help the most.
The duties of these navigators are clearly laid out by the new law. Their primary obligation is to ensure that customers have access to all the necessary information about the various medical policies available to them. These guides also help consumers navigate the enrollment process, including obtaining any financial assistance for which they might be eligible.
That requires that navigators distribute critical information to the communities they serve. They are to let customers know about qualifying policies, identify the requirements for financial aid, and direct citizens to the appropriate exchanges. As part of that duty, they must also ensure that the delivery of this information is consistent with the language needs and cultural sensitivities of those communities they serve.
Sometimes, problems will arise that the navigators cannot manage. This can involve anything from the actual choice of a policy to the availability of financial aid. In those instances, their duty is to send the customer to a private customer service or a government agency. Some grievances are relayed to an official ombudsman for more in-depth resolution of the problem.
The law details a variety of individual and group types that can qualify as navigators. These include various community non-profit organizations, trade and professional associations, local chambers of commerce, and unions. Licensed insurers can also qualify under certain circumstances, though strict guidelines are in place to prevent any agents from profiting from these policy acquisitions.
As the government selected the qualifications for these positions, it also set specific rules in place to determine how grant money is distributed for these positions. The proponents of this law made it clear that their ultimate goal in setting up these grant guidelines was to prevent the possibility of any conflicts of interest that might have otherwise easily crept into this system.
It is true that much of the country continues to debate the efficacy of the new law. Regardless of one's opinion on that matter, however, there is no disputing the critical role that the new navigators have in helping frustrated consumers locate the policies they need. For those citizens in desperate need of help to obtain those policies, that is very good news indeed.
The Act's designers anticipated the confusion and included the provisions for navigators as a means of addressing it. They knew that consumers might in some cases need the assistance of these guides to help them work their way through the complexities inherent in the new system. That's why these navigators have been given such a critical role in the implementation of the Act at the point where consumers need help the most.
The duties of these navigators are clearly laid out by the new law. Their primary obligation is to ensure that customers have access to all the necessary information about the various medical policies available to them. These guides also help consumers navigate the enrollment process, including obtaining any financial assistance for which they might be eligible.
That requires that navigators distribute critical information to the communities they serve. They are to let customers know about qualifying policies, identify the requirements for financial aid, and direct citizens to the appropriate exchanges. As part of that duty, they must also ensure that the delivery of this information is consistent with the language needs and cultural sensitivities of those communities they serve.
Sometimes, problems will arise that the navigators cannot manage. This can involve anything from the actual choice of a policy to the availability of financial aid. In those instances, their duty is to send the customer to a private customer service or a government agency. Some grievances are relayed to an official ombudsman for more in-depth resolution of the problem.
The law details a variety of individual and group types that can qualify as navigators. These include various community non-profit organizations, trade and professional associations, local chambers of commerce, and unions. Licensed insurers can also qualify under certain circumstances, though strict guidelines are in place to prevent any agents from profiting from these policy acquisitions.
As the government selected the qualifications for these positions, it also set specific rules in place to determine how grant money is distributed for these positions. The proponents of this law made it clear that their ultimate goal in setting up these grant guidelines was to prevent the possibility of any conflicts of interest that might have otherwise easily crept into this system.
It is true that much of the country continues to debate the efficacy of the new law. Regardless of one's opinion on that matter, however, there is no disputing the critical role that the new navigators have in helping frustrated consumers locate the policies they need. For those citizens in desperate need of help to obtain those policies, that is very good news indeed.
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