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Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.

Navigator Compensation Problematic

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Question: Will Navigators be sufficiently motivated by $58 per enrollment in QHPs and nothing at all for Medi-Cal enrollments?

Answer: You have wonder about the livelihood of navigators under this model. (See Navigator Compensation Update).This could not be the sole focus or job of any navigator. Furthermore, beyond 2014, enrollment is expected to decline by close to two thirds, providing even less opportunity for sustaining a livelihood in this space.

The Exchange is looking to Medi-Cal for ways to fund direct compensate for navigators assisting Medi-Cal enrollments, but if they are unsuccessful, they will be creating a model where navigators would be required to promote enrollment in a program without any financial incentives. I believe that unless navigators are appropriately compensated, enrolling individuals in Medi-Cal could pose a challenge. Navigators should have direct financial incentives to assist with any services they provide to facilitate enrollment.

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