Covered California Certified Enroller Practice Exam

True or False: Consumers enrolled in Medicare cannot purchase a plan through Covered California.

1. True

2. False

3. Only for special cases

4. Depends on the plan

The correct answer is: True

Consumers enrolled in Medicare are not able to purchase a plan through Covered California because Medicare is designed to provide health insurance for individuals aged 65 and older, as well as certain younger individuals with disabilities, and it has its own coverage options and regulations. Covered California is a marketplace specifically for people who do not qualify for government programs like Medicare or Medi-Cal and are looking for private health insurance plans. While there are some exceptional situations where individuals might want to explore different coverage options, generally, Medicare beneficiaries should rely on Medicare's coverage instead of what is offered in the marketplace. This principle ensures that Medicare recipients receive their appropriate benefits and also maintains the orderly structure of the insurance marketplace.