INDIANA NAVIGATOR EXAM AND
PRACTICE EXAM NEWEST 2026/ 2027
TEST BANK| INDIANA NAVIGATOR EXAM
PREP EXAM QUESTIONS AND CORRECT
VERIFIED ANSWERS/ ALREADY GRADED
A+ PASS GURANTEED
Consumer Assistance Basics & Responsibilities
1. What is the primary responsibility of an Indiana Navigator?
o To provide fair and impartial assistance with health coverage
options.
o Note: Navigators do not sell insurance or get commissions.
2. Which action best supports impartiality when helping a
consumer?
o Presenting relevant options and explaining differences without
steering the consumer toward a particular insurer.
3. What is considered a conflict of interest for an Indiana
Navigator?
o Having a business relationship with an insurance carrier, receiving
a commission from an insurance company, or receiving free travel
from an insurance carrier.
4. What are the consequences for an Indiana Navigator who
does not comply with state requirements?
,o The IDOI can suspend certification, revoke certification, or issue a
cease and desist order.
5. A security breach or improper disclosure of consumer
personal information must be reported to the IDOI within
how many days?
o 5 days.
6. Who cannot become an Indiana Navigator?
o An individual with a denied, revoked, or suspended insurance or
broker license, or someone convicted of a disqualifying felony or
crime.
7. What is the purpose of an appeal?
o To request a review of an eligibility or coverage-related
determination.
8. Why is accurate documentation important in Navigator
assistance?
o It helps maintain a reliable record of assistance and supports
compliance with applicable requirements.
Indiana Health Coverage Programs
9. What is the age range for eligibility for the Healthy Indiana
Plan (HIP)?
o 19-64.
10. To be eligible for HIP, your income must be under what
percent of the Federal Poverty Level (FPL)?
o 138%.
11. Under which HIP plan will members have a POWER
account?
o HIP Plus.
,12. What is the income threshold for a HIP member to be
subject to a lockout period?
o Greater than 100% and less than 138% FPL.
13. A HIP member wishing to change health plans may do so
by calling 877-GET-HIP-9 during what time period?
o November 1st – December 15th.
14. Which HIP plan does not cover substance use disorder
treatment?
o None. All HIP plans cover it.
15. Which HIP plan covers a maximum of 60 visits annually
of physical, speech, and occupational therapies?
o HIP State Plan.
16. Which HIP plan covers transportation?
o HIP State Plan.
17. What are the benefits of HIP Plus members?
o Comprehensive benefits, including vision, dental, and chiropractic
coverage.
18. What is an application organization's timeframe to
complete a renewal application following the expiration date?
o 30 days.
19. What is the Hoosier Healthwise program?
o It covers children and pregnant women up to 208% FPL.
20. An unborn child counts toward family size for which two
Indiana programs?
o Presumptive Eligibility and Hoosier Healthwise.
21. What is a key difference between an Indiana Navigator
and a Federal Navigator?
, o A federal navigator receives state funding, whereas an Indiana
navigator does not.
Health Insurance Basics & the FFM
22. What federal law created the Health Insurance
Marketplace?
o The Affordable Care Act (ACA).
23. What is the designated annual Open Enrollment Period
for the Federally-facilitated Marketplace (FFM)?
o November 1 to December 15.
24. What is a Special Enrollment Period (SEP)?
o A period when certain qualifying life events allow someone to
enroll outside the annual Open Enrollment Period.
25. What is the purpose of the Health Insurance
Marketplace?
o To provide a place to compare and enroll in qualifying health
coverage.
26. What is the purpose of comparing total estimated costs
rather than only premiums?
o A lower premium does not necessarily mean lower overall costs
when deductibles, copayments, coinsurance, and other expenses
are considered.
27. What are deductibles?
o Base amounts that a member pays for services prior to their
health insurance paying for coverage.
28. To determine health insurance premiums for a non-
grandfathered plan, which rating rules may be used?
o Age, geographic area, and tobacco use.
PRACTICE EXAM NEWEST 2026/ 2027
TEST BANK| INDIANA NAVIGATOR EXAM
PREP EXAM QUESTIONS AND CORRECT
VERIFIED ANSWERS/ ALREADY GRADED
A+ PASS GURANTEED
Consumer Assistance Basics & Responsibilities
1. What is the primary responsibility of an Indiana Navigator?
o To provide fair and impartial assistance with health coverage
options.
o Note: Navigators do not sell insurance or get commissions.
2. Which action best supports impartiality when helping a
consumer?
o Presenting relevant options and explaining differences without
steering the consumer toward a particular insurer.
3. What is considered a conflict of interest for an Indiana
Navigator?
o Having a business relationship with an insurance carrier, receiving
a commission from an insurance company, or receiving free travel
from an insurance carrier.
4. What are the consequences for an Indiana Navigator who
does not comply with state requirements?
,o The IDOI can suspend certification, revoke certification, or issue a
cease and desist order.
5. A security breach or improper disclosure of consumer
personal information must be reported to the IDOI within
how many days?
o 5 days.
6. Who cannot become an Indiana Navigator?
o An individual with a denied, revoked, or suspended insurance or
broker license, or someone convicted of a disqualifying felony or
crime.
7. What is the purpose of an appeal?
o To request a review of an eligibility or coverage-related
determination.
8. Why is accurate documentation important in Navigator
assistance?
o It helps maintain a reliable record of assistance and supports
compliance with applicable requirements.
Indiana Health Coverage Programs
9. What is the age range for eligibility for the Healthy Indiana
Plan (HIP)?
o 19-64.
10. To be eligible for HIP, your income must be under what
percent of the Federal Poverty Level (FPL)?
o 138%.
11. Under which HIP plan will members have a POWER
account?
o HIP Plus.
,12. What is the income threshold for a HIP member to be
subject to a lockout period?
o Greater than 100% and less than 138% FPL.
13. A HIP member wishing to change health plans may do so
by calling 877-GET-HIP-9 during what time period?
o November 1st – December 15th.
14. Which HIP plan does not cover substance use disorder
treatment?
o None. All HIP plans cover it.
15. Which HIP plan covers a maximum of 60 visits annually
of physical, speech, and occupational therapies?
o HIP State Plan.
16. Which HIP plan covers transportation?
o HIP State Plan.
17. What are the benefits of HIP Plus members?
o Comprehensive benefits, including vision, dental, and chiropractic
coverage.
18. What is an application organization's timeframe to
complete a renewal application following the expiration date?
o 30 days.
19. What is the Hoosier Healthwise program?
o It covers children and pregnant women up to 208% FPL.
20. An unborn child counts toward family size for which two
Indiana programs?
o Presumptive Eligibility and Hoosier Healthwise.
21. What is a key difference between an Indiana Navigator
and a Federal Navigator?
, o A federal navigator receives state funding, whereas an Indiana
navigator does not.
Health Insurance Basics & the FFM
22. What federal law created the Health Insurance
Marketplace?
o The Affordable Care Act (ACA).
23. What is the designated annual Open Enrollment Period
for the Federally-facilitated Marketplace (FFM)?
o November 1 to December 15.
24. What is a Special Enrollment Period (SEP)?
o A period when certain qualifying life events allow someone to
enroll outside the annual Open Enrollment Period.
25. What is the purpose of the Health Insurance
Marketplace?
o To provide a place to compare and enroll in qualifying health
coverage.
26. What is the purpose of comparing total estimated costs
rather than only premiums?
o A lower premium does not necessarily mean lower overall costs
when deductibles, copayments, coinsurance, and other expenses
are considered.
27. What are deductibles?
o Base amounts that a member pays for services prior to their
health insurance paying for coverage.
28. To determine health insurance premiums for a non-
grandfathered plan, which rating rules may be used?
o Age, geographic area, and tobacco use.
