CACs - Certified Application Counselor Health Coverage Programs Questions and Answers

Question 1

A 45-year-old single adult with no disabilities has an annual income that is 120% of the Federal Poverty Level (FPL).
They live in a state that has expanded its Medicaid program.
Which health coverage program are they most likely eligible for?

Accepted Answer

Medicaid

Answer

A subsidized Marketplace plan

Answer

Medicare

Answer

Children's Health Insurance Program (CHIP)

Question 2

What is the primary purpose of the Children's Health Insurance Program (CHIP)?

Accepted Answer

To provide low-cost or free health coverage for children in families who earn too much to qualify for Medicaid but cannot afford private insurance.

Answer

To provide health coverage to adults over the age of 65.

Answer

To offer private health insurance options to small business owners.

Answer

To supplement Medicare coverage for individuals with disabilities.

Question 3

An individual is generally eligible for Medicare before the age of 65 under which of the following circumstances?

Accepted Answer

They have been receiving Social Security Disability Insurance (SSDI) benefits for 24 months.

Answer

They have a household income below 100% of the Federal Poverty Level.

Answer

They are a veteran of the armed forces.

Answer

They have been unemployed for more than 12 consecutive months.

Question 4

Which of the following is a key requirement for an individual to be eligible for Advance Premium Tax Credits (APTCs) to lower the cost of a Health Insurance Marketplace plan?

Accepted Answer

The individual must not be eligible for other minimum essential coverage, like Medicaid or Medicare.

Answer

The individual must be eligible for affordable employer-sponsored coverage.

Answer

The individual's household income must be below 100% of the Federal Poverty Level.

Answer

The individual must be over the age of 65.

Question 5

Maria is a single mother with one child, age 10. Their household income is 150% of the FPL. Her state has expanded Medicaid to 138% FPL for adults, and its CHIP program covers children in families with incomes up to 200% FPL. What are the likely eligibility determinations for Maria and her child?

Accepted Answer

Maria is eligible for a subsidized Marketplace plan, and her child is eligible for CHIP.

Answer

Both Maria and her child are eligible for Medicaid.

Answer

Both Maria and her child are eligible for a subsidized Marketplace plan.

Answer

Maria is not eligible for any assistance, but her child is eligible for Medicaid.

Question 6

If an applicant is found eligible for Medicaid during the Marketplace application process, what is the immediate next step?

Accepted Answer

The Marketplace transfers the individual's account information to the state Medicaid agency for enrollment.

Answer

The applicant must select a private insurance plan before Medicaid can begin.

Answer

The Marketplace will deny the application and the applicant must start over with the state Medicaid agency.

Answer

The Marketplace application is suspended for 90 days to allow for an income review.

A 45-year-old single adult with no disabilities has an annual income that is 120% of the Federal Poverty Level (FPL).They live in a state that has expanded its Medicaid program.Which health coverage program are they most likely eligible for?

A 45-year-old single adult with no disabilities has an annual income that is 120% of the Federal Poverty Level (FPL).
They live in a state that has expanded its Medicaid program.
Which health coverage program are they most likely eligible for?