New Rules Help Protect Consumers’ Personal Information
|Targeted News Service|
"These rules will help ensure Texans have confidence that anyone registered as a navigator has passed appropriate background checks and received the training they need to safeguard a consumer's most sensitive and personal information," Commissioner of Insurance Julia Rathgeber said.
For individual navigators who provide enrollment assistance in a health benefit exchange, the rules require background checks, training, and proof of identity. Entities that perform or oversee an individual's performance of enrollment assistance in a health benefit exchange must provide evidence of financial responsibility. Both entities and individuals providing enrollment assistance are required to register with TDI. There is no fee to register. The rules do not apply to licensed insurance agents.
Navigators have until
* applicable privacy requirements (five hours),
* ethics (five hours),
* basic insurance terminology and how insurance works (two hours),
* exam preparation (two hours), and
* completion of a final examination (one hour)
The rules prohibit navigators while providing navigator services from the following:
* Charging consumers for providing information about health coverage
* Selling, soliciting, or negotiating health insurance coverage
* Recommending a specific health benefit plan, and
* Engaging in electioneering activities, or otherwise supporting the candidacy of an individual for government positions
The final rules apply to both federal grant recipients and other entities and individuals which may wish to provide federal benefit exchange enrollment assistance.
Under the rules, Texas Insurance Code provisions related to privacy and protection of personal information would also apply to navigators.
TDI worked diligently to ensure a deliberate and transparent discussion throughout the rule-making process. An initial stakeholder meeting was conducted to gather comments on how the agency should approach implementation of SB 1795. A formal rule proposal was published in the
The final rules have been submitted to the
To access registration forms visit: http://www.tdi.texas.gov/forms/form11.html.
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