- Navigators In Missouri -

What are navigators?

What are navigators?  image

The Affordable Care Act created the role of navigators to help people get health insurance through the exchange learn about their options and assist with enrollment.  A rule from the Centers for Medicare & Medicaid Services defines the role of navigators, and an issue brief from the Missouri Hospital Association provides further information on this rule. A state law in Missouri requires navigators to be licensed.

Navigators will play an essential role in helping people to learn more about their health plan options, determine which health insurance option best fits their needs and then help them enroll in their plan of choice.

What do navigators do?

Navigators have the following five duties.

  1. conduct public education activities to raise awareness of the availability of qualified health plans in the marketplace that meet certain requirements
  2. distribute fair and impartial information about enrollment in qualified health plans and the availability of premium tax credits
  3. facilitate enrollment in qualified health plans
  4. provide referrals to an office of health insurance consumer assistance or ombudsman, or any other appropriate state agencies, for any enrollee with a grievance, complaint or question about their health plan
  5. provide information in a manner that is culturally and linguistically appropriate to the needs of the population served by the marketplace

How do I find navigators in Missouri?

How do I find navigators in Missouri? image

You can locate licensed navigators in Missouri through these database lists.

Check The License Of A Navigator

Tips For Using The Licensee Look-up Database

  • Go to the online licensee look-up database.
  • Select individual or entity in the "Licensee Type" pull-down menu.
  • Enter the name of the navigator or agent or name of the business entity in the corresponding fields.
  • Use the "License Type" pull-down to select "navigator" or "producer" for an insurance agent.
  • Click "submit" as the bottom of the screen to generate your search results.

How do you become a navigator in Missouri?

Navigators must be licensed in Missouri. In May 2013, the Missouri General Assembly passed a bill that required the licensure of navigators. Gov. Jay Nixon signed the legislation that authorizes the state insurance department to license and regulate individual navigators and navigator entities in Missouri into law in mid-July. In late July, the Missouri Department of Insurance, Financial Institutions & Professional Registration filed an emergency rule outlining the application process, fees, examination and initial training of navigators.

Individuals must meet the following requirements to qualify for a navigator license.

  • be 18 or older
  • reside in Missouri or maintain a principal place of business in Missouri
  • not be disqualified for having committed any act that would be grounds for refusal to issue, renew, suspend or revoke an insurance producer license
  • successfully pass the examination approved by the directorwhen applicable, have the written consent of the director of the Missouri Department of Insurance under 18 U.S.C. §1033 or any successor statute regulating crimes by or affecting persons engaged in the business of insurance whose activities affect interstate commerce
  • have identified the entity with which he or she is affiliated and supervised
  • have paid the fees determined by the director

What does the navigator test involve?

Pearson VUE will administer the test in Columbia, Overland Park, Springfield, St. Louis and Kansas City. Individuals who wish to make an exam reservation should call 866/274-4740. There is a $41 examination fee that must be paid by credit card, debit card, electronic check or voucher at the time of reservation.

Individuals taking the exam should review the Missouri Navigator Licensing Candidate Handbook. It is recommended that the content outline be reviewed before taking the exam.

Is there a cost for the navigator license?

The cost for applying for a navigator's license in Missouri is $25 for an individual or $50 for an entity. Each license is valid for two years.

License Application

Resources

Best Practices in Outreach and Enrollment for Health Centers
Source: American Dental Association and Enroll America

Get Covered, Stay Covered
Enroll America

Issue Brief: Helping Consumers Keep Affordable Health Coverage
Enroll America

Determining Premium Tax Credits By Family Size


Cover Lemay and Cover Missouri have provided the following documents as an enrollee resource to record key information. Provide these to consumers at the conclusion of their enrollment.

The Centers for Medicare & Medicaid Services' Kansas City regional office produced talking points to get individuals signed up for coverage.