Practice Test Geeks(CACs) Certified Application Counselor Practice Test
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Healthcare Programs & Coverage Options Flashcards

7 cards from real CACS practice questions. Tap to flip, then mark Knew It or Still Learning — missed cards come back until you master them.

Read the first 7 Healthcare Programs & Coverage Options flashcards as text

  1. Under the ACA, which of the following is NOT classified as an Essential Health Benefit (EHB) that Marketplace plans must cover?

    Answer: Adult dental care

    Adult dental care is not an Essential Health Benefit; EHBs include pediatric dental/vision but not routine adult dental coverage.

  2. A 28-year-old healthy individual with no chronic conditions wants the lowest possible premium. Which plan type might a CAC explain is available only to people under 30?

    Answer: Catastrophic plan

    Catastrophic plans are available to people under 30 (and some with hardship exemptions) and feature very low premiums but high deductibles.

  3. The Basic Health Program (BHP) is an optional ACA program that allows states to offer coverage to individuals with incomes between what FPL range who would otherwise be eligible for Marketplace subsidies?

    Answer: 133–200% FPL

    The BHP serves individuals at 133–200% FPL (above Medicaid threshold) with more stable, lower-cost coverage than Marketplace plans.

  4. Which of the following statements about Advance Premium Tax Credits (APTC) is correct?

    Answer: APTC is paid directly to the insurer to lower monthly premiums

    APTC is sent directly to the insurance company, reducing the consumer's monthly premium payment.

  5. COBRA continuation coverage allows workers who lose job-based coverage to continue their employer plan for up to how long?

    Answer: 18 months

    COBRA generally allows continuation of group health coverage for up to 18 months after qualifying events like job loss.

  6. A pregnant woman applying for coverage should be informed that pregnancy alone qualifies her for what type of Special Enrollment Period trigger?

    Answer: Birth, adoption, or placement for foster care

    A baby's birth (anticipated or actual) qualifies as a life event triggering a Special Enrollment Period under the birth/adoption/foster care category.

  7. Which of the following describes 'minimum essential coverage' (MEC)?

    Answer: Any qualifying health coverage that satisfies ACA requirements, including Medicaid and employer-sponsored plans

    MEC is a broad category of qualifying coverage including Medicaid, Medicare, employer plans, and Marketplace QHPs.