State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
Which statement describes the cost of HICAP counseling services?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
HICAP services are free of charge. The program is federally authorized and funded through federal and state dollars, and it charges no fees to consumers and is not paid by insurance companies. AH-III.D.2 anchors this core HICAP fact, which matters because California LTC solicitation materials must point applicants to this free counseling alternative.
Why the other options are wrong
- A) HICAP does not charge percentage fees on policy premiums or any consumer fee.
- C) Medicare reimburses providers for claims, not HICAP's counseling program funding.
- D) HICAP is not compensated by insurers, which preserves its neutrality.
Memory hook
HICAP: zero dollars out of pocket — free and funded by the government, not by insurers.