CEC Roles and Regulations 2

Question 1

Under the ACA, what is the maximum penalty an enrollment counselor can face for willfully disclosing a consumer's personally identifiable information without authorization?

Accepted Answer

$25,000 fine and up to 10 years imprisonment

Answer

$100 fine per violation

Answer

$10,000 fine only

Answer

License suspension for 30 days

Question 2

Which federal law primarily governs the privacy protections that enrollment counselors must uphold when handling consumer health information on the Marketplace?

Accepted Answer

Section 1411 of the ACA

Answer

FERPA

Answer

HIPAA

Answer

The Privacy Act of 1974

Question 3

A Certified Application Counselor (CAC) is prohibited from doing which of the following?

Accepted Answer

Charging consumers a fee for enrollment assistance

Answer

Assisting consumers with completing applications

Answer

Explaining plan differences in plain language

Answer

Helping consumers gather required documents

Question 4

Which entity is responsible for designating organizations as Certified Application Counselor (CAC) organizations in a state using the federal Marketplace?

Accepted Answer

CMS (Centers for Medicare & Medicaid Services)

Answer

State Department of Insurance

Answer

The individual CAC themselves

Answer

The U.S. Department of Labor

Question 5

What does the term 'scope of practice' mean for a Certified Enrollment Counselor?

Accepted Answer

The specific tasks and services they are authorized to perform under their certification

Answer

The geographic territory where they can enroll clients

Answer

The number of clients they are allowed to assist per month

Answer

The insurance carriers they are approved to represent

Question 6

An enrollment counselor discovers that a consumer has provided fraudulent information on their Marketplace application. What is the counselor's correct course of action?

Accepted Answer

Refuse to assist and advise the consumer to provide accurate information

Answer

Complete the application and report it later

Answer

Submit the application but note the discrepancy internally

Answer

Ignore it if the consumer insists the information is correct

Question 7

Which of the following describes a key difference between a Navigator and a Certified Application Counselor (CAC)?

Accepted Answer

Navigators receive federal grant funding; CACs are employed by designated organizations

Answer

Navigators can charge fees; CACs cannot

Answer

CACs must be licensed insurance agents; Navigators do not

Answer

Navigators only serve Medicare clients; CACs serve Marketplace clients