CEC Application and Enrollment Procedures 3

Question 1

When an employee is newly hired, how many days do they typically have to enroll in employer-sponsored coverage without needing a qualifying event?

Accepted Answer

60 days

Answer

15 days

Answer

30 days

Answer

90 days

Question 2

What is 'auto-enrollment' in the context of employer health plans?

Accepted Answer

Employers automatically enroll new full-time employees in a default plan unless they opt out

Answer

Employees are automatically switched to a better plan each year

Answer

Insurers enroll all applicants regardless of eligibility

Answer

The government assigns plans to uninsured individuals

Question 3

For Marketplace plans, when does coverage typically begin if a consumer enrolls between the 1st and 15th of the month?

Accepted Answer

The first of the following month

Answer

The same day

Answer

The 15th of the following month

Answer

60 days after enrollment

Question 4

What does 'creditable coverage' mean in health insurance enrollment?

Accepted Answer

Prior health coverage that counts toward satisfying waiting periods or pre-existing condition rules

Answer

Coverage that qualifies an enrollee for a tax credit

Answer

A plan with no deductible

Answer

Coverage that has been approved by the state insurance commissioner

Question 5

A Certified Enrollment Counselor discovers that a client provided incorrect income information on their application. What is the correct course of action?

Accepted Answer

Advise the client to report the correction to the Marketplace immediately

Answer

Ignore the error since enrollment is already complete

Answer

Submit a new application without correcting the old one

Answer

Contact the insurer directly to change the income

Question 6

Which federal program provides health coverage to eligible low-income adults, children, pregnant women, elderly adults, and people with disabilities?

Accepted Answer

Medicaid

Answer

COBRA

Answer

CHIP

Answer

Medicare Part B

Question 7

What is the role of a 'navigator' versus a 'certified application counselor' in the enrollment process?

Accepted Answer

Navigators receive federal funding and must provide unbiased assistance, while CACs are typically affiliated with organizations but serve similar enrollment functions

Answer

They are identical roles with no distinctions

Answer

Navigators can sell insurance plans; CACs cannot

Answer

CACs work only with Medicaid; navigators work only with Marketplace plans