Serving Diverse Populations 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 Serving Diverse Populations flashcards as text
A client who recently became a U.S. citizen through naturalization asks when they can enroll in a Marketplace plan. The CAC should tell them:
Answer: Becoming a U.S. citizen is a qualifying life event that triggers a Special Enrollment Period
Gaining citizenship is a qualifying life event that triggers a 60-day Special Enrollment Period, allowing immediate enrollment outside Open Enrollment.
When a client's household includes mixed immigration statuses (some members eligible, some not), the CAC should:
Answer: Apply only for eligible household members and exclude ineligible members' income from tax credit calculations according to Marketplace rules
Mixed-status households can apply for eligible members only, and specific income-counting rules apply to exclude ineligible members from premium tax credit calculations.
A client practicing a religion that objects to certain medical procedures is enrolling in a health plan. The CAC's role is to:
Answer: Provide objective information about plan benefits and let the client choose based on their own values without the CAC expressing personal opinions
CACs provide objective, unbiased information and respect client autonomy in making coverage decisions aligned with their own values.
Which of the following best supports health equity when a CAC serves clients in a rural area with limited transportation?
Answer: Offer assistance via phone, video, or mobile outreach to reach clients where they are
Health equity requires removing barriers, so offering remote or mobile enrollment assistance ensures rural clients have equal access to coverage help.
A client who is a veteran inquires about whether to use the VA healthcare system or a Marketplace plan. The CAC should:
Answer: Explain that VA healthcare coverage counts as minimum essential coverage and the client can choose whether to also enroll in a Marketplace plan
VA healthcare counts as minimum essential coverage, and veterans may choose to also enroll in a Marketplace plan; the CAC's role is to inform, not direct the choice.
A client with low health literacy receives their Summary of Benefits and Coverage (SBC) and is confused by the terms. The CAC should:
Answer: Walk through key SBC sections using plain language, real-life examples, and visual aids to ensure the client understands their coverage
CACs must ensure clients truly understand their coverage by using plain language and practical examples when reviewing complex documents like the SBC.
A client who is a seasonal agricultural worker has inconsistent income throughout the year. The CAC should advise them to report:
Answer: Their projected annual income, and to report income changes throughout the year to avoid reconciliation issues at tax time
Clients should report expected annual income and update the Marketplace when income changes significantly to avoid large premium tax credit repayments or underpayments at tax filing.