CACs Privacy and Security Standards 3

Question 1

A consumer wants their CAC to help them understand their Explanation of Benefits (EOB). Under what condition may the CAC view this document?

Accepted Answer

Only if the consumer is present and explicitly shares the document with the CAC

Answer

EOBs contain PHI, so a CAC may only review them when the consumer voluntarily shares the document and consents to assistance in the moment.

Question 2

Which of the following is NOT considered Personally Identifiable Information (PII) in the context of Marketplace applications?

Accepted Answer

Consumer's favorite color

Answer

A consumer's favorite color is not PII because it cannot be used to identify, contact, or locate an individual.

Question 3

A consumer refuses to sign a privacy notice acknowledgment before receiving CAC assistance. What should the CAC do?

Accepted Answer

Provide assistance anyway and note the refusal, since assistance cannot be conditioned on signing

Answer

CACs cannot condition the provision of assistance on a consumer signing a privacy notice; they should document the refusal and still provide help.

Question 4

What is the primary purpose of a CAC providing a consumer with a privacy notice?

Accepted Answer

To inform the consumer about how their information will be collected, used, and protected

Answer

Privacy notices inform consumers of their rights and explain how the CAC organization collects, uses, and safeguards their personal information.

Question 5

A CAC overhears a colleague discussing a consumer's income information loudly in a public waiting area. This violates which privacy principle?

Accepted Answer

Reasonable safeguards / minimum necessary

Answer

Discussing consumer PII in a public area violates the 'reasonable safeguards' and 'minimum necessary' principles by exposing information beyond its intended audience.

(CACs) Certified Application Counselor Practice Test

(CACs) Certified Application Counselor Practice Test

CACs Privacy and Security Standards 3