Prepping for the PACB Exam: Payment Deadline, and Sample Question #3

If you have registered to take the March exam, but have not yet paid, you still have until March 16th to pay for the exam.

Find all registration and payment details here.

For those taking the upcoming certification exam, we offer some sample questions to help you understand how they were developed, and why one answer choice will be better than the others, even if the others seem plausible.

This is the third in a series of sample questions.

As stated on the Taking the Exam Page, the exam was built using the Competencies and Best Practices Document as well as the Ethics Statement.

Sample Question #3:

During the Open Enrollment period, your 69-year-old client asks you to help her review her choices for insurance for the following year. As a professional, certified advocate you advise:

  1. That it’s always better to wait until after the first of the year to see if anything changes.
  2. That since she has Medicare, there aren’t any choices to review – Medicare is Medicare.
  3. That unless this is your area of expertise, you will find someone to help her audit her needs and options.
  4. That you have a friend who sells health insurance who might be able to help her.

    Best Answer: C

Rationale: Domain 4 of the PACB Competencies states, “Understand and communicate to the client the basics of health insurance, Medicare, Medicaid, and other programs that affect payments for the client’s medical needs, including appropriate state variations and differences among programs.” It further states, “Recognize the need for advanced expertise in health insurance coverage regarding such issues as omissions, impediments, shortfalls, subsidies and tax credits, metrics, potential penalties, and alternative insurance providers, and facilitate client access to qualified professionals in this area.”

Answers A and B are not true, and answer D poses at least a question about its ethics due to the probably non-objective advice that might be offered by someone who sells health insurance.

More information: