The implementation of the Patient Protection and Affordable Care Act has raised many questions. Independent help resources for consumers, particularly advisers not sponsored by government, insurance exchange or insurance company interests, are almost non-existent. OnlineNavigator is designed to answer a limited number of questions about any issue related to health care reform without charge. Q&As may be republished without personally identification for the benefit of other users.
THIS IS AN INDEPENDENT CONSUMER ADVISORY SERVICE NOT AFFILIATED WITH ANY GOVERNMENT BENEFIT PROGRAM, NAVIGATOR GRANT RECIPIENT, INSURANCE EXCHANGE OR INSURANCE COMPANY. THIS SERVICE IS OFFERED AT NO COST TO THE CONSUMER. THE ADVISER IS PAID FOR WEB TRAFFIC REFERRALS TO THE COMPANIES AND PRODUCTS ON WEB SITES THAT BEAR THE ONLINENAVIGATOR LOGO.
The state insurance exchanges are improving, but not everyone qualifies. If you can't get information or coverage through the usual system, OnlineNavigator may be able to help point to additional resources.
OnlineNavigator can help with a range of health coverage issues that may not be available through other sources:
Check out the online discussion group for groups that provide navigator or in-person enrollment services. Note that OnlineNavigator is not affiliated with any of these groups.
No In-person or Telephone Support: OnlineNavigator currently offers only Web-based and email support. The service is free but limited to the resources available through Tony Novak, CPA, an independent health care reform advocate who has addressed more than 50,000 consumer questions about health insurance in a range of industry positions since 1997. If you need telephone enrollment support, we recommend using the agents of Members Insurance Exchange at (800) 609-0683.
No health insurance claim assistance - OnlineNavigator does not provide help with medical claims but we are pleased to refer Insnet for this purpose.
No overlap of agent services - OnlineNavigator does not provide help with telephone enrollment support for health insurance plans where commercial insurance agents, Navigators or other service providers are readily available. We are pleased to refer an agent or navigator service, when available.
Other services - OnlineNavigator requires your authorization to provide most services. The adviser will send the appropriate authorization form.
No Medicaid or Medicare support - If you qualify for Medicare, Medicaid or subsidized coverage then OnlineNavigator service is not appropriate for you. Please use your state exchange or HealthCare.gov to access the available government support.
Other news related to OnlineNavigator is posted here.
2/10/2014 In-person navigator enrollment events will wind down after this week in many parts of the country. The insurance enrollment deadline to avoid a tax penalty is February 15.
12/29/2013 "Understanding the Shared Responsibility Payment" is published to provide answers to commonly asked questions about the details of the individual insurance mandate and tax penalties for 2014.
11/26/2013 The Centers for Medicare & Medicaid Services now reports that 90 percent of users are now able to create accounts at HealthCare.gov even though fewer are successful with completing the enrollment process. Some consumers remain concerned about the fundamental requirement at HealthCare.gov that requires a user to provide personal information before the available insurance requirements are shown. Based on this objection, we made arrangements with Members Insurance Exchange, an alternate private insurance enrollment exchange using a platform developed by Ehealth to provide quotes faster and easier. A number of other commercial service now offer a work-around to insurance pricing at HealthCare.gov. Users can now use any option to get insurance process but lower income applicants should be aware that at this point there are still problems completing the subsidy qualification process with all of these options. The best option is simply to wait until these issues are resolved. If you want coverage that will start January 1, 2014, the application deadline is December 23, 2013. The insurance exchanges expect to have the issues resolved before that date.
10/3/2013 In the first few days of the exchange system the two most common questions are some version of 1) I can't get online and need help right away" and 2) "I want to be a navigator". OnlineNavigator published standardized responses to each question.
9/15/2013 Registration information is available from CMS for brokers and agents who will use the federal health insurance exchange system.