Indiana Navigator Test Study Guide
2025/2026 Exam Questions and Verified
Answers | Already Graded A+
Define IHCP - 🧠ANSWER ✔✔Indiana Health Coverage Program: programs under
Indiana Medicaid developed to address the medical needs of low income, aged,
disabled, pregmant and other populations meeting the different eligibility criteria
of each program. www.dfrbenefits.in.gov
What programs fall under the Indiana Health Coverage Programs? - 🧠ANSWER
✔✔Indiana Medicaid: Hoosier Healthwise, Childrens's Health Insurance Program,
Healthy Indiana Plan, Hoosier Care Connect, Traditional Medicaid, and Home and
Community Based Waiver Services (HCBS)
Define FFM - 🧠ANSWER ✔✔Federally-facilitated Marketplace: federally
developed and operated insurance marketplace that makes Qualified Health
Providers, Premium Tax Credits, and Cost Share Reductions available to
individuals and/or employers in accordance with the Affordable Care Act (ACA).
Also referred to as www.healthcare.gov or an Exchange.
,Define Producer, Agent, Broker, Agency - 🧠ANSWER ✔✔an individual/entity
licensed by the state/Indiana Dept. of Insurance (IDOI) as a health insurance
producer to sell, solicit, or negotiate insurance (products) and are therefore unable
to be certified as an Indiana Navigator or Application Organization due to
receiving compensation for enrolling an individual in a plan. If they want to sell on
the FFM, they must be federally certified through the CMS.
Define Indiana Navigator - 🧠ANSWER ✔✔an individual certified by the state of
Indiana to provide application assistance through the Federally Facilitated
Marketplace (FFM: QHPs, PTCs, CSRs) and/or the Indiana Health Coverage
Program (Medicaid, CHIP, HIP, HHW, Hoosier Care Connect)
Define AO - 🧠ANSWER ✔✔Application Organization: an entity that must be
certified and registered with the state of Indiana to assist Hoosiers with
applications on the FFM and/or for IHCPs
Define CAC - 🧠ANSWER ✔✔Certified Application Counselors: individuals (staff
members or volunteers) who fulfill some of the same roles as Navigators and are
certified as Indiana Navigators through the IDOI; they are not responsible for
outreach and education but they do provide free information to consumers about
insurance programs and they help to facilitate the enrollment in health coverage.
COPYRIGHT©JOSHCLAY 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE. PRIVACY
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STATEMENT. ALL RIGHTS RESERVED
,Define Non-Navigator Assistance Personnel - 🧠ANSWER ✔✔a role with the same
certification requirements as a Navigator that complements Navigator programs in
Partnership Marketplace states; not available in Indiana and other FFM Model
states
Define Navigator PE - 🧠ANSWER ✔✔Navigator Precertification Education:
education and training programs approved by the IDOI that must be completed by
individuals as part of the initial Indiana Navigator certification application process
and prior to taking the Navigator Examination.
Navigator CE - 🧠ANSWER ✔✔Navigator Continuing Education: education and
training programs approved by the IDOI that must be completed by certified
Indiana Navigators to satisfy their yearly two-hour Navigator CE requirement to
renew their licensure.
What is a Conflict of Interest Policy? - 🧠ANSWER ✔✔A state policy that
establishes what may constitute an actual or potential Conflict of Interest
(Financial Interest or Conflict of Loyalty) and disclosure and other requirements
surrounding such conflicts by which all Indiana Navigators and AOs must comply.
COPYRIGHT©JOSHCLAY 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE. PRIVACY
3
STATEMENT. ALL RIGHTS RESERVED
, What is an example of a conflict of interest and what type is it? - 🧠ANSWER
✔✔Conflict of loyalty- an Indiana Navigator and/or an AO have a close
relationship with a hospital that prefers a high payment rate plan
What are the kinds of conflict of interests? - 🧠ANSWER ✔✔Direct financial
incentive, indirect financial incentive, no additional financial incentive, and
conflict of loyalty.
Define direct financial incentive. - 🧠ANSWER ✔✔A conflict of interest: an
individual receives compensation from a health insurance company for enrolling a
consumer in a specific/stop-loss plan. Not allowed (ie agents or brokers)
Define indirect financial incentive. - 🧠ANSWER ✔✔Conflict of interest: must be
disclosed to IDOI and all consumers prior to assisting with coverage that an AO or
Navigator holds stock in an insurance company and may indirectly benefit if
consumer purchases a plan with the assistance of a Navigator.
Define no additional financial incentive. - 🧠ANSWER ✔✔Conflict of interest that
is permissible: an Indiana Navigator receives an hourly wage from an
employer/AO, regardless of number of consumers helped or plans selected
COPYRIGHT©JOSHCLAY 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE. PRIVACY
4
STATEMENT. ALL RIGHTS RESERVED
2025/2026 Exam Questions and Verified
Answers | Already Graded A+
Define IHCP - 🧠ANSWER ✔✔Indiana Health Coverage Program: programs under
Indiana Medicaid developed to address the medical needs of low income, aged,
disabled, pregmant and other populations meeting the different eligibility criteria
of each program. www.dfrbenefits.in.gov
What programs fall under the Indiana Health Coverage Programs? - 🧠ANSWER
✔✔Indiana Medicaid: Hoosier Healthwise, Childrens's Health Insurance Program,
Healthy Indiana Plan, Hoosier Care Connect, Traditional Medicaid, and Home and
Community Based Waiver Services (HCBS)
Define FFM - 🧠ANSWER ✔✔Federally-facilitated Marketplace: federally
developed and operated insurance marketplace that makes Qualified Health
Providers, Premium Tax Credits, and Cost Share Reductions available to
individuals and/or employers in accordance with the Affordable Care Act (ACA).
Also referred to as www.healthcare.gov or an Exchange.
,Define Producer, Agent, Broker, Agency - 🧠ANSWER ✔✔an individual/entity
licensed by the state/Indiana Dept. of Insurance (IDOI) as a health insurance
producer to sell, solicit, or negotiate insurance (products) and are therefore unable
to be certified as an Indiana Navigator or Application Organization due to
receiving compensation for enrolling an individual in a plan. If they want to sell on
the FFM, they must be federally certified through the CMS.
Define Indiana Navigator - 🧠ANSWER ✔✔an individual certified by the state of
Indiana to provide application assistance through the Federally Facilitated
Marketplace (FFM: QHPs, PTCs, CSRs) and/or the Indiana Health Coverage
Program (Medicaid, CHIP, HIP, HHW, Hoosier Care Connect)
Define AO - 🧠ANSWER ✔✔Application Organization: an entity that must be
certified and registered with the state of Indiana to assist Hoosiers with
applications on the FFM and/or for IHCPs
Define CAC - 🧠ANSWER ✔✔Certified Application Counselors: individuals (staff
members or volunteers) who fulfill some of the same roles as Navigators and are
certified as Indiana Navigators through the IDOI; they are not responsible for
outreach and education but they do provide free information to consumers about
insurance programs and they help to facilitate the enrollment in health coverage.
COPYRIGHT©JOSHCLAY 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE. PRIVACY
2
STATEMENT. ALL RIGHTS RESERVED
,Define Non-Navigator Assistance Personnel - 🧠ANSWER ✔✔a role with the same
certification requirements as a Navigator that complements Navigator programs in
Partnership Marketplace states; not available in Indiana and other FFM Model
states
Define Navigator PE - 🧠ANSWER ✔✔Navigator Precertification Education:
education and training programs approved by the IDOI that must be completed by
individuals as part of the initial Indiana Navigator certification application process
and prior to taking the Navigator Examination.
Navigator CE - 🧠ANSWER ✔✔Navigator Continuing Education: education and
training programs approved by the IDOI that must be completed by certified
Indiana Navigators to satisfy their yearly two-hour Navigator CE requirement to
renew their licensure.
What is a Conflict of Interest Policy? - 🧠ANSWER ✔✔A state policy that
establishes what may constitute an actual or potential Conflict of Interest
(Financial Interest or Conflict of Loyalty) and disclosure and other requirements
surrounding such conflicts by which all Indiana Navigators and AOs must comply.
COPYRIGHT©JOSHCLAY 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE. PRIVACY
3
STATEMENT. ALL RIGHTS RESERVED
, What is an example of a conflict of interest and what type is it? - 🧠ANSWER
✔✔Conflict of loyalty- an Indiana Navigator and/or an AO have a close
relationship with a hospital that prefers a high payment rate plan
What are the kinds of conflict of interests? - 🧠ANSWER ✔✔Direct financial
incentive, indirect financial incentive, no additional financial incentive, and
conflict of loyalty.
Define direct financial incentive. - 🧠ANSWER ✔✔A conflict of interest: an
individual receives compensation from a health insurance company for enrolling a
consumer in a specific/stop-loss plan. Not allowed (ie agents or brokers)
Define indirect financial incentive. - 🧠ANSWER ✔✔Conflict of interest: must be
disclosed to IDOI and all consumers prior to assisting with coverage that an AO or
Navigator holds stock in an insurance company and may indirectly benefit if
consumer purchases a plan with the assistance of a Navigator.
Define no additional financial incentive. - 🧠ANSWER ✔✔Conflict of interest that
is permissible: an Indiana Navigator receives an hourly wage from an
employer/AO, regardless of number of consumers helped or plans selected
COPYRIGHT©JOSHCLAY 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE. PRIVACY
4
STATEMENT. ALL RIGHTS RESERVED
