Practice Test Geeks(CEC) Certified Enrollment Counselor Practice Test
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Application and Enrollment Procedures Flashcards

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

Read the first 7 Application and Enrollment Procedures flashcards as text

  1. What is a 'passive renewal' in the context of Marketplace enrollment?

    Answer: Automatic re-enrollment into the same or similar plan if the consumer takes no action during Open Enrollment

    Passive renewal means the Marketplace automatically re-enrolls consumers who do not make an active plan selection during Open Enrollment, often into the same plan.

  2. An employer's plan is considered unaffordable under the ACA employer mandate if the employee's share of the premium exceeds what percentage of household income?

    Answer: 9.02% of household income (2024 indexed figure)

    For 2024, a plan is unaffordable if the employee's self-only premium cost exceeds 9.02% of household income, allowing the employee to seek Marketplace subsidies.

  3. Which of the following correctly describes cost-sharing reductions (CSRs)?

    Answer: They lower deductibles, copays, and out-of-pocket maximums for Silver plan enrollees who qualify by income

    CSRs reduce cost-sharing amounts exclusively for Silver plan enrollees whose income falls between 100% and 250% of the Federal Poverty Level.

  4. A consumer enrolls in a Marketplace plan on December 20 during Open Enrollment. When does coverage typically begin?

    Answer: January 1 of the following year

    Enrollments completed after the 15th of the month during Open Enrollment typically become effective January 1 of the next plan year.

  5. What does MAGI stand for in the context of determining ACA subsidy eligibility?

    Answer: Modified Adjusted Gross Income

    MAGI, or Modified Adjusted Gross Income, is the income measure used to determine eligibility for Medicaid, CHIP, and Marketplace premium tax credits.

  6. Under HIPAA portability rules, what is the maximum pre-existing condition exclusion period a group health plan can impose on a new enrollee who had prior creditable coverage with no gap of more than 63 days?

    Answer: No exclusion is allowed if there is creditable coverage

    HIPAA requires that prior creditable coverage without a gap exceeding 63 days offset the pre-existing condition exclusion period, effectively eliminating it for most enrollees.

  7. What is the primary responsibility of a Certified Enrollment Counselor when a client asks which specific health plan to choose?

    Answer: Provide objective information about plan options and help the client compare plans based on their own needs and preferences

    CECs must provide neutral, consumer-centered assistance that helps clients make informed decisions without steering them toward any particular plan.