(Formerly Health Benefit Assister Program)

LCCAA provides Navigators in the 10 county Lake Cumberland Region including: Adair, Casey, Clinton, Cumberland, Green, McCreary, Pulaski, Russell, Taylor and Wayne County. The overall goal of the Navigator Program is to provide assistance about insurance affordability programs and coverage options so that Navigators can educate and assist Kentuckians with making informed decisions when selecting a health plan and enrolling in plans. Navigators will help individuals and small businesses in Kentucky determine their health plan needs and assist them in choosing plans that meet those needs. They will also conduct outreach activities to proactively educate the Kentucky population about the exchange and the ACA.

Services of the Navigator Program include:

1. Enrollment – assist individuals, families, and small businesses with enrollment in qualified health plans and insurance affordability programs;

2. Outreach – inform the public about Exchange and health insurance options and insurance affordability programs; and

3. Education – provide information to individuals and small businesses regarding health insurance, Insurance affordability programs, and QHP selection.

Navigator duties include:

a) conducting public education activities to raise awareness of the availability of Qualified Health Plans (QHPs);

b) distributing fair and impartial information concerning QHPs;

c) facilitating enrollment in QHPs; d) providing referrals to any applicable offices in the event of complaints and appeals; and ;

e) providing information in a manner that is culturally and linguistically appropriate.

Navigators help those who qualify for Medicaid cover by assisting consumers with enrollment on the Kentucky Health Benefit Exchange, Benefind. Benefind provides easy, one-stop shopping to find the healthcare coverage that is needed. Navigators also help consumers navigate and purchase healthcare plans through the Federal Healthcare Marketplace during Open Enrollment each year and during a Special Enrollment Period (SEP).