Certified Enroller Exam - Covered
California Latest 2025-2026. Questions
& Correct Answers. Graded A
A Certified Counselor is working with a consumer for any reason other than
to submit an application, renewal, or change of address but the consumer
specifically asks about voter registration options through Covered CA. -
True or False- The Certified Counselor should inform the consumer about
the voter registration options. - ANSTrue
A consumer wants to register to vote while enrolling in-person for health
coverage, and there is internet available for them to use. What should you
do? - ANSSelect the "Yes", open the online voter registration website
option in the online application to access the Secretarty of State's website.
Select the registration form in the consumer's preferred language if it is
offered. Also, inform the consumer that answers to the online voter
registration form may be filled out in private.
Are binder payments necessary for renewing subsidized enrollee enrolling
into the same plan or same product in a different plan? - ANSIt is not
necessary and the renewing enrollees will be permitted to receive the full
grace period of 3 months
Are CAEs compensated by Covered CA? - ANSNo, they are not.
1
,Are Certified Counselors allowed to possess an insurance license from the
CA Department of Insurance? - ANSNo, they are not allowed.
Are Certified Counselors required to complete annual recertification training
and pass an exam? - ANSYes, they are. They are also required to review
program updates as they become available throughout the year.
Are costs standard for each metal tier? - ANSYes, for example, the copay
for prescription medication on a plan is the same for all Silver plans.
Are vision plans qualified health plans? - ANSNo they are not
Are you able to complete voter registration application for the consumer? -
ANSNO YOU ARE NOT; the consumer will be mailed a voter registration
card.
Can consumer change plans outside of the open enrollment period? -
ANSNo, not unless they experience a QLE
Can consumers who receive Medicare also be eligible for Medi-Cal? -
ANSDepends on their income and assets, and may still apply through
Covered CA
Can health plans charge a prescription deductible separate from the plan/s
medical deductible? - ANSYes they can and both deductibles apply to the
out-of-pocket maximum the member must pay in a plan year.
2
, Can individuals still be penalized when they file their federal tax returns for
failing to have MEC (Minimum Essential Coverage)? - ANSYou will not be
penalized by the federal government, BUT can be through the state of
California.
Can individuals that are NOT seeking to enroll be asked about their
citizenship or immigration status even when they are applying for a family
member? - ANSNo the cannot be asked about their citizenship or
immigration status.
Can QHP issuers vary their cost-sharing from other QHPs? - ANSNo they
cannot vary
Can unbanked consumers make payments directly to their selected health
insurance companies through various options? - ANSYes they can; view
payment options for each carrier first
Can undocumented individuals apply for their family members? - ANSYes
they can. Proof of immigration status is only required for persons seeking to
enrol in a Covered CA health plan or Medi-Cal.
Can you send a completed paper application via email? - ANSNO NEVER
Certified Application Counselor (CAC) provide in-person consumer
enrollment assistance and are largely represented by CBOs (Community
Based Organizations). - ANSThese enrollment partners ARE NOT
compensated by Covered CA.
3
California Latest 2025-2026. Questions
& Correct Answers. Graded A
A Certified Counselor is working with a consumer for any reason other than
to submit an application, renewal, or change of address but the consumer
specifically asks about voter registration options through Covered CA. -
True or False- The Certified Counselor should inform the consumer about
the voter registration options. - ANSTrue
A consumer wants to register to vote while enrolling in-person for health
coverage, and there is internet available for them to use. What should you
do? - ANSSelect the "Yes", open the online voter registration website
option in the online application to access the Secretarty of State's website.
Select the registration form in the consumer's preferred language if it is
offered. Also, inform the consumer that answers to the online voter
registration form may be filled out in private.
Are binder payments necessary for renewing subsidized enrollee enrolling
into the same plan or same product in a different plan? - ANSIt is not
necessary and the renewing enrollees will be permitted to receive the full
grace period of 3 months
Are CAEs compensated by Covered CA? - ANSNo, they are not.
1
,Are Certified Counselors allowed to possess an insurance license from the
CA Department of Insurance? - ANSNo, they are not allowed.
Are Certified Counselors required to complete annual recertification training
and pass an exam? - ANSYes, they are. They are also required to review
program updates as they become available throughout the year.
Are costs standard for each metal tier? - ANSYes, for example, the copay
for prescription medication on a plan is the same for all Silver plans.
Are vision plans qualified health plans? - ANSNo they are not
Are you able to complete voter registration application for the consumer? -
ANSNO YOU ARE NOT; the consumer will be mailed a voter registration
card.
Can consumer change plans outside of the open enrollment period? -
ANSNo, not unless they experience a QLE
Can consumers who receive Medicare also be eligible for Medi-Cal? -
ANSDepends on their income and assets, and may still apply through
Covered CA
Can health plans charge a prescription deductible separate from the plan/s
medical deductible? - ANSYes they can and both deductibles apply to the
out-of-pocket maximum the member must pay in a plan year.
2
, Can individuals still be penalized when they file their federal tax returns for
failing to have MEC (Minimum Essential Coverage)? - ANSYou will not be
penalized by the federal government, BUT can be through the state of
California.
Can individuals that are NOT seeking to enroll be asked about their
citizenship or immigration status even when they are applying for a family
member? - ANSNo the cannot be asked about their citizenship or
immigration status.
Can QHP issuers vary their cost-sharing from other QHPs? - ANSNo they
cannot vary
Can unbanked consumers make payments directly to their selected health
insurance companies through various options? - ANSYes they can; view
payment options for each carrier first
Can undocumented individuals apply for their family members? - ANSYes
they can. Proof of immigration status is only required for persons seeking to
enrol in a Covered CA health plan or Medi-Cal.
Can you send a completed paper application via email? - ANSNO NEVER
Certified Application Counselor (CAC) provide in-person consumer
enrollment assistance and are largely represented by CBOs (Community
Based Organizations). - ANSThese enrollment partners ARE NOT
compensated by Covered CA.
3
