The Affordable Care Act requires the establishment of navigator programs to connect consumers to coverage options in state-based marketplaces. Consumer assisters — including navigators, certified application counselors, and in-person assisters — can function via charity care organizations. Whether or not they serve in an official “navigator” capacity, these organizations can play an important role in helping individuals ensure continuous insurance coverage.
CHCS developed this resource with funding from Kaiser Permanente Community Benefit to aid navigators based in charity care programs in helping consumers obtain and maintain appropriate coverage. It details key considerations for helping individuals apply for coverage and includes: (1) a decision-making flow chart that highlights potential coverage options; and (2) a detailed enrollment process chart. It provides guidance to charity care organizations in both state-based and federally facilitated marketplace environments. While the information outlined is geared toward charity care programs, it is relevant to anyone serving in a navigator role.
A companion Health Insurance Options Reference Guide outlines details about Affordable Care Act options.