House Lawmakers Grill CMS Over Health Exchange Navigators
Margaret Dick Tocknell, for HealthLeaders Media
, May 22, 2013
The role of navigators, expected to help millions of uninsured
make their way through the health insurance market, came under fire Tuesday by
members of Congress who raised questions about oversight and the role of the IRS
in the implementation of healthcare reform.
A meeting of the House Committee on Government Oversight and Reform called
ostensibly to discuss the role that navigators
and assistors will play in the enrollment process for new health insurance
marketplaces included statements and questions about role the IRS is expected
to play in the implementation of healthcare reform.
The meeting veered further off topic into concerns over the fundraising
efforts of Kathleen Sebelius, the secretary of the Department of Health and
Human Services.
Rep. Jim Jordan (R-OH), chair of the Subcommittee on Economic Growth, Job
Creation, and Regulatory Affairs, set the Republican tone in his opening
comments. "In light of the revelations of the IRS targeting conservative
groupsc it is crucial for the American people to understand that Obamacare
tasks the IRS with enforcing nearly 20 new tax laws. That's amazing to me. The
very organization charged with enforcing Obamacare was systematically targeting
conservative groups that came into existence because they oppose
Obamacare."
Jordan stated that the IRS role in enforcing Obamacare is tied to the
navigator and assistor program through the premium subsidies that will be
available to qualified individuals. "If [they] incorrectly fill out a person's
health insurance application, and that person receives subsidies to which they
are not entitled, then the IRS will go after the individual."
He went on to note that as part of "Obamacare, the IRS is building the
largest personal information data hub that the federal government has ever
attempted."
On the Democratic side reaction was swift and pointed. "Until recently I
thought that the difference between us and a Banana Republic was that in this
country once a law is passed or the Supreme Court has spoken, the law was the
law even when our side lost," said Rep. Eleanor Holmes Norton (D-DC).
"Republicans are still fighting the Affordable Care Act as if it is not the
law of the landc Today's hearing is merely an effort to continue to obstruct
the law and the right of citizens to health insurance."
Amid the posturing on both sides of the aisle, the sole witness, Gary Cohen,
deputy administrator and director for the Center of Consumer Information and
Insurance Oversight for the Centers for Medicare & Medicaid, soldiered on.
His five-minute statement focused entirely on how navigators are expected to
help millions of uninsured make their way through the complicated health
insurance market.
While the marketplaces hold the promise of being places where consumers will
be able to easily compare costs, benefits, and cost-sharing to select a plan
that is right for them, Cohen stated that "ensuring that consumers and
businesses participate in the marketplaces requires that they learn about the
benefits that these marketplaces have to offer and that they get the help they
need to take advantage of those benefits. This is a significant undertaking. We
know quite a bit about the uninsured American we need to reach: many have never
had health insurance, so the transaction of selecting, applying, and enrolling
in healthcare coverage will be unfamiliarc20% have not completed high school.
To effectively reach these populationscinformation must be provided by people
connected to the community in an appropriate manner."
He noted that navigators and assistors will operate much like insurance
brokers and agents and agents already do today—educating consumers about the
marketplaces and insurance affordability programs, comparing plans, helping
consumers receive eligibility determinations, and enrolling in coverage.
Felons as navigators?
Rep. James Lankford (R-OK), chair
of the Subcommittee on Energy Policy, Healthcare, and Entitlements, asked about
basic requirements to become a navigator. "Has HHS mandated criteria for
individuals who would be navigators? Could felons, individuals convicted of
identity theft, or high school dropouts become navigators and handle sensitive
and personal information? Is there an expectation that a navigator will have
any prior knowledge of the health insurance market? Is there an oversight
plan?"
In his statement, Cohen noted that HHS has extensive experience providing
outreach and enrollment assistance in Medicaid, the Children's Health Insurance
Program (CHIP), and Medicare. "CMS designed navigator and in-person assistance
grant programs that will allow qualified and well-trained individuals and
organizations help consumers find and enroll in healthcare coverage, while
adhering to standards and requirements designed to ensure that taxpayer money
is used appropriately."
HHS has earmarked about $54 million to fund navigator in federal or state
marketplaces. Cohen said the opportunity is open to the self-employed as well
as community and consumer-focused non-profits. Trade, industry, and
professional associations, commercial fishing industry organizations, ranching
and farming organizations, chambers of commerce, unions, and licensed insurance
agents and brokers may also apply.
The CMS Office of Acquisitions and Grants Management will oversee the review
and evaluation of the grant applications. Grantees must also complete a 20-30
hour training program and pass an exam.
"I'm a dentist and I don't see how 20 hours of training will get this done.
That's inadequate. What are the checks and balances on the education
component?" asked Rep. Paul Gosar (R-AZ). "Is someone visiting with that
navigator or is [the training] all online? What stops a convicted felon from
becoming a navigator?"
"It's online just as it is in many states for insurance agents and brokers,"
responded Cohen. "If you look at the type of organizations that will apply for
these grants I don't think felons will be a problem."
In his final comment Rep. Jim Jordan again turned his attention to the IRS.
"The American people want to know what role the IRS will play in their
healthcare and the implementation of the Affordable Care Act. As an American,
does the IRS role in this scandal trouble you?
"The IRS has a significant role in enforcing tax provisions of the
Affordable Care Act, but there's more to the ACA than just tax questions" noted
Cohen. He added that he didn't see a connection between the navigator programs
and the IRS monitoring conservative groups.
Concerns about Sebelius's fundraising
Rep. Lankford
(R-OK) then turned to media reports that Secretary Sebelius is soliciting
funding for the assistor program from health plans, hospitals and
pharmaceutical companies to donate to nonprofits responsible for outreach
efforts. "These actions unduly pressure private companies to financially
support implementation and promotion efforts. Fearing HHS retribution if they
don't contribute. The secretary must stop using unethical methods to fund the
law's implementation."
"I have no knowledge of her calls," responded Cohen. He added that
public-private partnerships are often used to help fund projects.
Margaret Dick Tocknell is a reporter/editor with HealthLeaders Media.
Copyright © HealthleadersMedia, 2013