State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
California LTC marketing materials must point applicants to HICAP, which is which of the following?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
HICAP — the Health Insurance Counseling and Advocacy Program — is a free, federally authorized counseling program operated through the California Department of Aging. It gives seniors objective guidance on Medicare, Medigap, Part D, and long-term care without selling anything. AH-V.1e treats HICAP as a core marketing-standard feature: agents must tell applicants about it so consumers can get an independent second opinion.
Why the other options are wrong
- A) HICAP does not sell insurance; it is a neutral counseling program, not a state insurer.
- B) HICAP is an advisory service, not a mandated insurance product that consumers buy.
- C) HICAP is not a rating agency; it counsels consumers about coverage choices.
Memory hook
HICAP = free senior counseling, not sales, not a plan, not a rating shop.