What type of assistance do CACs provide to applicants regarding health plans?

Certified Application Counselors (CACs) play a crucial role in assisting individuals with navigating health plans, and their primary function is to explain benefits, costs, and eligibility. This involves helping applicants understand the different types of insurance plans available, clarifying what each plan covers, discussing out-of-pocket expenses, and determining if the applicant qualifies for various programs or subsidies that may reduce their costs.

The guidance provided by CACs ensures that applicants make informed decisions based on their personal healthcare needs and financial situations. This is particularly important in the context of health insurance, where the complexity of benefits and varying costs can be overwhelming for many individuals. By focusing on these areas, CACs empower applicants to choose the plan that best suits them.

The other options reflect areas that are not the primary responsibilities of CACs. For instance, while understanding costs is important, auditing health insurance costs goes beyond the general advice that CACs provide. Similarly, creating financial plans and filing health insurance claims are services typically offered by other professionals, such as financial advisors or insurance claims specialists, rather than CACs.