CACs Serving Diverse Populations 4

Question 1

A client who is a DACA recipient (Deferred Action for Childhood Arrivals) asks if they qualify for Marketplace coverage. What should the CAC tell them?

Accepted Answer

DACA recipients are not considered lawfully present and are therefore not eligible for Marketplace coverage or premium tax credits

Answer

Under federal rules, DACA recipients are not considered lawfully present and are therefore ineligible for Marketplace coverage or premium tax credits, though state-based options may vary.

Question 2

When working with a client who has experienced domestic violence, the CAC should be aware that:

Accepted Answer

Survivors may be able to enroll in a separate household from the abuser even if legally married, and special provisions may apply

Answer

Marketplace rules allow domestic violence survivors to apply as a separate household and may have special enrollment or income-reporting provisions.

Question 3

A client from a collectivist culture feels uncomfortable discussing personal income and financial information. The CAC should:

Accepted Answer

Explain why income information is necessary for eligibility determination while being sensitive and respectful of the client's discomfort

Answer

CACs must gather required information but can do so with cultural sensitivity, explaining the necessity and maintaining a respectful, non-judgmental tone.

Question 4

Which of the following is an example of a microaggression a CAC should avoid when serving clients from minority populations?

Accepted Answer

Asking an Asian-American client where they are 'really' from

Answer

Asking where someone is 'really' from implies they are not fully American and is a common microaggression that undermines trust.

Question 5

A client has both Medicare and is potentially eligible for Medicaid ('dual eligible'). The CAC's best action is to:

Accepted Answer

Explain that dual eligibles do not qualify for Marketplace plans and assist with Medicaid enrollment or refer to a Medicare counselor

Answer

People eligible for Medicare cannot enroll in a Marketplace plan with premium tax credits; dual eligibles should be assisted with Medicaid enrollment or referred to a Medicare counseling program like SHIP.

(CACs) Certified Application Counselor Practice Test

(CACs) Certified Application Counselor Practice Test

CACs Serving Diverse Populations 4