What type of assistance is acceptable for an Indiana navigator to provide when offering plan selection advice?

The assistance a navigator can provide in plan selection involves helping consumers understand and estimate their potential out-of-pocket expenses. This is essential because it empowers consumers to make informed decisions about which health plans best fit their financial situation and healthcare needs. By analyzing costs like premiums, deductibles, copayments, and coinsurance, navigators support consumers in assessing the overall affordability of different plans.

Navigators play a critical role in educating individuals on the implications of their choices, which includes understanding how these expenses will impact their budget and healthcare access. This guidance enables consumers to compare plans more effectively and select one that will best meet their needs without jeopardizing their financial stability.

In contrast, filing insurance claims involves a specific administrative process that is outside the scope of a navigator’s role, as navigators are not licensed to assist with claims processing. Providing post-coverage support only limits the navigator's role and does not address the immediate need of assisting consumers in selecting the most appropriate plan. Similarly, choosing a specific health plan for the consumer would breach the navigator's responsibility; their role is to facilitate informed choices without making decisions on behalf of the consumer.