CACs Confidentiality & Privacy Standards 3

Question 1

A CAC overhears a colleague casually discussing a consumer's income and immigration status in a public waiting room. What should the CAC do?

Accepted Answer

Intervene immediately to stop the discussion and report the incident to a supervisor

Answer

CACs have an obligation to protect consumer privacy; overhearing an unauthorized disclosure requires immediate intervention and internal reporting.

Question 2

Under the 'minimum necessary' privacy standard, what does a CAC's access to consumer information mean in practice?

Accepted Answer

CACs should only access and use the consumer information needed to perform their specific assistance function

Answer

The minimum necessary standard requires that access to and use of consumer information be limited to what is required to complete the specific enrollment task at hand.

Question 3

A state agency contacts a CAC requesting information about a specific consumer's enrollment status. The CAC should:

Accepted Answer

Verify the request is legitimate and check whether a valid data-sharing agreement or consumer consent exists before disclosing

Answer

Even government agencies must have proper legal authority or consumer consent before a CAC can disclose information; the CAC must verify legitimacy first.

Question 4

Which scenario BEST illustrates proper use of a consumer's immigration status information collected during enrollment?

Accepted Answer

Using it solely to determine eligibility for Marketplace coverage and APTC/CSR

Answer

Immigration status collected during enrollment may only be used to determine eligibility for the specific program — it cannot be shared for other purposes.

Question 5

A consumer's ex-spouse calls a CAC claiming to be authorized to make changes to the consumer's Marketplace account. The CAC should:

Accepted Answer

Require written proof of legal authorization such as a power of attorney before taking any action

Answer

Verbal claims of authorization are insufficient; a CAC must verify legal authority through documented authorization before allowing a third party to modify an account.

(CACs) Certified Application Counselor Practice Test

(CACs) Certified Application Counselor Practice Test

CACs Confidentiality & Privacy Standards 3