Plan selection recommendations by navigators and CACs are sometimes encouraged.

Plan selection recommendations by navigators and CACs are sometimes encouraged.

• A. True
• B. False
• C. Not applicable
• D. Only with special authorization

Answer: (B)

Impartial, consumer-centered assistance is the key idea here. Navigators and CACs are expected to provide information about all available plans and help consumers understand how they differ in costs, coverage, and networks, rather than steering or endorsing a single plan. Recommending a specific plan could create bias or conflicts of interest and undermine a consumer’s ability to choose what best fits their needs. When a consumer asks for guidance, the right approach is to compare plans side by side—premiums, deductibles, out-of-pocket max, network of providers, and drug coverage—and discuss how those factors align with the consumer’s budget and priorities, then let the consumer decide. There is no special authorization that allows them to promote a particular plan.

Impartial, consumer-centered assistance is the key idea here. Navigators and CACs are expected to provide information about all available plans and help consumers understand how they differ in costs, coverage, and networks, rather than steering or endorsing a single plan. Recommending a specific plan could create bias or conflicts of interest and undermine a consumer’s ability to choose what best fits their needs. When a consumer asks for guidance, the right approach is to compare plans side by side—premiums, deductibles, out-of-pocket max, network of providers, and drug coverage—and discuss how those factors align with the consumer’s budget and priorities, then let the consumer decide. There is no special authorization that allows them to promote a particular plan.