Covered California Certified Enroller Practice Exam

Is it permissible to send a completed paper application via email?

1. Yes, if encrypted

2. No, never

3. Only with consumer consent

4. Yes, if it is a secure email

The correct answer is: No, never

Sending a completed paper application via email is not permissible due to the potential risks associated with email communication, specifically concerning the privacy and security of sensitive personal information. When you send applications that contain personal data (such as Social Security numbers, income information, and health-related details), you are responsible for ensuring that this information is transmitted securely. Email can often be insecure and susceptible to interception or unauthorized access. The implications of exposing personal data through insecure means can lead to identity theft or unauthorized use of that information. Therefore, the strict policy against sending completed applications by email is in place to protect consumers' sensitive information and maintain compliance with privacy regulations. While certain circumstances may allow for secure communication methods, such as encryption or secure email services, the general guideline is that sending completed applications via standard email is considered unacceptable. This emphasizes the importance of safeguarding consumers' data in the enrollment process.