Georgia Navigator Practice Exam

What program is required by CMS alongside state-specific health insurance consumer assistance under the ACA?

1. Consumer Assistance or Ombudsman Program

2. Health Insurance Portability and Accountability Program

3. State Medicaid Assistance Program

4. Federal Health Insurance Program

The correct answer is: Consumer Assistance or Ombudsman Program

The correct choice is the Consumer Assistance or Ombudsman Program. Under the Affordable Care Act (ACA), the Centers for Medicare & Medicaid Services (CMS) mandates the establishment of consumer assistance programs to aid individuals in navigating health insurance options, understanding their rights, and accessing available resources. These programs provide crucial support, such as answering questions about health insurance policies, assisting with applications for coverage, and addressing grievances related to health insurance. The Consumer Assistance or Ombudsman Program plays a vital role by equipping consumers with the necessary tools and information to make informed decisions regarding their healthcare coverage. This complements the efforts of state-specific health insurance consumer assistance initiatives, ensuring that consumers receive comprehensive support tailored to their unique situations. Other options do not align with the requirements set by CMS under the ACA. Programs like the Health Insurance Portability and Accountability Program focus more on privacy and security of health information but do not provide the direct consumer assistance that is needed for navigating health insurance options. Similarly, while the State Medicaid Assistance Program addresses issues related to Medicaid services, it is distinct from the broader consumer assistance requirements specified in the ACA. Lastly, the Federal Health Insurance Program is not a defined program under CMS in the context of consumer health insurance assistance.