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What is a key function of consumer assistance programs required by CMS?

  1. Providing legal representation in insurance disputes

  2. Helping consumers navigate their insurance options

  3. Conducting insurance provider audits

  4. Replacing navigators in the application process

The correct answer is: Helping consumers navigate their insurance options

The key function of consumer assistance programs required by the Centers for Medicare & Medicaid Services (CMS) revolves around helping consumers navigate their insurance options. These programs are designed to support individuals in understanding the complexities of health insurance coverage, including how to enroll in plans, what benefits are available, and how to access the care they need. This support is critical, especially given the variety of plans and options available within the healthcare marketplace, ensuring that consumers can make informed choices that best meet their needs. By focusing on navigation, these programs play a vital role in promoting access to healthcare, improving health outcomes, and empowering consumers to take control of their health insurance decisions. This function is particularly significant as it streamlines the process for individuals who may otherwise feel overwhelmed or confused by their options.