Insurance Group Raises Questions Over Affordable Care Act Navigators

ST. LOUIS (KMOX) – One of the questions surrounding the upcoming implementation of the Affordable Care Act is the role of healthcare exchange navigators, a term that has grabbed the attention of the Missouri Association of Insurance Agents.

Association Vice President Larry Case fears that people are getting the impression that the navigators will be like insurance agents, helping them pick out the policy that is right for them. But, Case says, that is not the case.

“They’re sort of an individual that can help someone navigate the computer system and go from screen to screen and make decisions,” he explained.

In fact, the navigators are barred from helping consumers choose policies.

Case is concerned that navigators, who require only 20 hours of online training, will have access to people’s private information, which could lead to identity theft.

“People’s Social Security numbers, back filings, and all of that sort of thing where it would be simple, if someone is unscrupulous, to commit some unscrupulous acts,” he said.

Case points out that they will be licensed by the state which can take action if there is inappropriate activity.

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