CEC Serving Diverse Populations 5

Question 1

A client is a lawfully present immigrant who arrived 3 years ago. They do not yet meet the five-year residency requirement for Medicaid. What marketplace option may be available?

Accepted Answer

They can enroll in a marketplace plan and may qualify for premium tax credits since lawfully present immigrants are eligible for marketplace coverage regardless of the five-year bar

Answer

Lawfully present immigrants are eligible for marketplace coverage and premium tax credits even if they are still in the five-year Medicaid waiting period.

Question 2

A client who recently turned 26 and aged off their parent's plan is from a low-income household. What should the enrollment counselor assess first?

Accepted Answer

Current income to determine Medicaid eligibility or marketplace subsidy eligibility, since aging off a parent's plan is a qualifying SEP trigger

Answer

Turning 26 and losing dependent coverage is a qualifying life event triggering a marketplace SEP, and income assessment determines whether Medicaid or subsidized marketplace coverage is more appropriate.

Question 3

What is the primary purpose of the 'culturally and linguistically appropriate services' (CLAS) standards issued by HHS?

Accepted Answer

To advance health equity by providing a framework for delivering services in ways that are respectful of and responsive to diverse cultural health beliefs and practices

Answer

The National CLAS Standards provide a blueprint for improving health equity by addressing cultural and language barriers in health and health care services.

Question 4

A client who is a veteran asks whether their VA health care coverage is considered minimum essential coverage (MEC) under the ACA.

Accepted Answer

Yes, VA health care is MEC, so veterans with VA coverage are considered insured and do not need marketplace coverage, though they may still enroll if they choose

Answer

VA health care programs are designated as minimum essential coverage, meaning veterans enrolled in VA health care satisfy the ACA's coverage requirement.

Question 5

An enrollment counselor working with a Native Hawaiian client should be aware that Native Hawaiians and Pacific Islanders (NHPI) face which common health equity challenge?

Accepted Answer

NHPI communities experience high rates of chronic disease and have historically been undercounted or misclassified in health data, reducing targeted resource allocation

Answer

NHPI communities face elevated chronic disease burdens and data disaggregation gaps that mask health disparities and reduce policy attention to their needs.

(CEC) Certified Enrollment Counselor Practice Test

(CEC) Certified Enrollment Counselor Practice Test

CEC Serving Diverse Populations 5