The Health Insurance Counseling and Advocacy Program (HICAP) is best described as a program that is:
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
HICAP is California's Medicare counseling program, authorized under the federal Older Americans Act and funded by federal and state grants. It is administered by the California Department of Aging and provides free, unbiased counseling on Original Medicare, Medicare Advantage, Medigap, Part D, Medi-Cal, and long-term care issues. HICAP counselors sell nothing and charge nothing — the program exists to help beneficiaries make informed choices, and agents must never misrepresent HICAP as their own product. Agents must never present HICAP as their own product.
Why the other options are wrong
- B) HICAP is a free counseling service, not an insurance product; it pays no commissions and sells no coverage. HICAP counselors receive no commissions and sell nothing at all to anyone.
- C) HICAP is not a plan or benefit category; it is a counseling and advocacy program. It is a free counseling service, and it is not a product line of any kind.
- D) HICAP does not assess penalties or fines of any kind. HICAP assesses no penalties or fines whatsoever, and it has no enforcement or penalty role at all under Medicare rules.
Memory hook
HICAP = the free, neutral counselor for California's seniors. Sells nothing, explains everything, funded by grants.