Georgia Navigator Practice Exam

According to federal standards, what are navigator entities prohibited from doing?

1. Providing healthcare services directly

2. Receiving compensation from health insurance issuers

3. Assisting clients with coverage options

4. Offering financial advice

The correct answer is: Receiving compensation from health insurance issuers

Navigator entities play a crucial role in helping individuals understand and access health insurance coverage options, particularly under the Affordable Care Act. One important aspect of their function is to maintain impartiality and a duty to provide unbiased assistance. To ensure that they operate without conflicts of interest, navigator entities are specifically prohibited from receiving compensation from health insurance issuers. This restriction is fundamental to their role, as it helps guarantee that the guidance they provide to consumers is not influenced by any financial ties to the insurance providers. By being free from such compensation, navigators can assist consumers in making informed choices based solely on each individual's needs without the pressure or bias that could arise from receiving payment from insurers. This prohibition supports the integrity of the navigator program, helping build trust with the consumers they serve, ensuring that the information they provide is neutral and focused only on what is best for the clients' interests.