CACs - Certified Application Counselor Serving Diverse Populations Questions and Answers

Question 1

A CAC is assisting an individual who is experiencing homelessness and does not have a permanent mailing address.
When completing the Marketplace application, what is the most effective advice the CAC can provide?

Accepted Answer

List a physical location where they can reliably receive mail, such as a shelter, community center, or post office box.

Answer

Leave the address fields blank as they do not apply.

Answer

Explain that a permanent residential address is required to be eligible for coverage.

Answer

Use the address of the Certified Application Counselor Designated Organization (CDO) office.

Question 2

A transgender man is applying for Marketplace coverage. The name on his identity documents has not yet been legally changed and does not match the name he uses. To be both respectful and compliant, how should the CAC proceed?

Accepted Answer

Advise the applicant to enter their legal name where required for identity verification but use their chosen name and correct pronouns during all interactions.

Answer

Use the applicant's chosen name throughout the application to affirm their identity.

Answer

Halt the application process until the applicant provides a court order for a legal name change.

Answer

Insist on using only the legal name from the documents in all conversation and on all parts of the application.

Question 3

Which of the following actions best demonstrates a CAC's commitment to cultural competency?

Accepted Answer

Using plain language, avoiding jargon, and asking open-ended questions to confirm the consumer's understanding.

Answer

Assuming a consumer's eldest family member will make the final decision on a health plan.

Answer

Recommending a plan that has been popular with other consumers from a similar ethnic background.

Answer

Sharing personal stories about one's own family to build a stronger connection with the consumer.

Question 4

A consumer who speaks only Vietnamese comes to an appointment with her 16-year-old son, who is fluent in English and offers to interpret. According to best practices for language access, what should the CAC do?

Accepted Answer

Politely decline the son's offer and connect with a professional telephonic interpretation service.

Answer

Use the son as the interpreter to complete the application quickly and efficiently.

Answer

Provide the consumer with Vietnamese-language forms to complete on their own time.

Answer

Reschedule the appointment for a time when a professional in-person interpreter can be present.

Question 5

When assisting consumers in a rural area, a CAC should be particularly mindful of which common barrier when helping them compare Qualified Health Plans?

Accepted Answer

Limited availability of in-network providers and facilities, which may require significant travel for care.

Answer

An overabundance of in-network specialists that makes choosing a doctor difficult.

Answer

Marketplace rules that prohibit the sale of high-deductible plans in rural zip codes.

Answer

Higher premiums for rural consumers compared to urban consumers for the exact same plan.

Question 6

Under the Americans with Disabilities Act (ADA) and other non-discrimination regulations, a Certified Application Counselor Designated Organization (CDO) has a primary responsibility to provide which of the following to consumers with disabilities?

Accepted Answer

Reasonable accommodations and effective communication, such as a sign language interpreter or materials in large print.

Answer

A guarantee of eligibility for both Marketplace coverage and Medicaid.

Answer

A separate, dedicated counselor who specializes only in disability-related health issues.

Answer

Free transportation to and from the CDO's office for all appointments.

A CAC is assisting an individual who is experiencing homelessness and does not have a permanent mailing address.When completing the Marketplace application, what is the most effective advice the CAC can provide?

A CAC is assisting an individual who is experiencing homelessness and does not have a permanent mailing address.
When completing the Marketplace application, what is the most effective advice the CAC can provide?