Practice Test Geeks(CACs) Certified Application Counselor Practice Test
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Ethics and Impartiality Flashcards

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

Read the first 7 Ethics and Impartiality flashcards as text

  1. A CAC is asked by a supervisor to enroll clients without completing required privacy notices to save time. What should the CAC do?

    Answer: Refuse and explain that privacy notices are a required compliance step

    CACs must follow CMS compliance requirements regardless of supervisor instructions, as required disclosures cannot be skipped.

  2. Under ACA rules, CACs are prohibited from accepting which type of compensation for enrollment assistance?

    Answer: Gifts or payments from clients or insurers tied to enrollment outcomes

    CACs are prohibited from accepting any compensation—gifts, tips, or insurer payments—that is tied to specific enrollment outcomes.

  3. A client discloses a serious health condition and asks the CAC not to write it down anywhere. How should the CAC handle this?

    Answer: Respect the request; health conditions are not required for enrollment and should not be recorded

    CACs do not need to collect medical history, and clients have the right to control what personal health information is shared or recorded.

  4. A CAC notices that a client qualifies for a Special Enrollment Period but the client wants to wait until Open Enrollment. What should the CAC do?

    Answer: Inform the client of the SEP opportunity and consequences of waiting, then respect their decision

    Clients must be informed of all enrollment opportunities including SEPs, but the final enrollment timing decision belongs to the client.

  5. If a CAC suspects a colleague is falsifying client income information to maximize subsidies, what is the appropriate ethical response?

    Answer: Report the suspected fraud through the organization's compliance process or to CMS

    Suspected fraud must be reported through proper compliance channels, as CACs have an obligation to uphold program integrity.

  6. A CAC is fluent in Spanish and assists a Spanish-speaking client without an interpreter. After enrollment, the client says they did not understand several key points. What does this scenario highlight?

    Answer: That the CAC should have confirmed client understanding throughout the session rather than just at the end

    CACs have an ethical duty to verify client comprehension throughout the session, not only at the end, to ensure truly informed enrollment.

  7. A CAC is approached by a client who wants help switching plans mid-year without a qualifying life event. What is the ethical response?

    Answer: Explain that mid-year plan changes require a qualifying life event and outline what qualifies

    CACs must accurately explain enrollment rules including that mid-year plan changes require a qualifying life event, even when the client wants otherwise.