What is the role of "navigator agencies" in Indiana?

The role of "navigator agencies" in Indiana is primarily to employ navigators who assist consumers in navigating the complexities of health insurance options available through the state’s health insurance marketplace. Navigators are trained individuals who help consumers understand their health insurance choices, provide information on plan benefits, costs, and coverage, as well as guide them through the enrollment process. This support is vital for ensuring that individuals can access the healthcare coverage that best suits their needs.

Unlike financial aid providers, navigator agencies do not directly provide financial assistance for health insurance premiums or out-of-pocket costs. Additionally, they do not manage insurance claims, which involves processing and handling claims submissions and reimbursements, nor are they primarily focused on conducting health insurance assessments. Their mission is more centered on education and assistance rather than on financial management or claims processing.