Covered California Certified Enroller Practice Exam

What happens when a consumer does not select a new plan during the renewal process?

1. Their application is denied

2. They will be automatically placed in the same plan

3. They will be contacted for further action

4. Their plan will be upgraded automatically

The correct answer is: They will be automatically placed in the same plan

When a consumer fails to select a new plan during the renewal process, they are automatically placed in the same plan they had previously. This policy is designed to ensure that there is no gap in coverage, providing continuity for the consumer's health insurance. By automatically renewing the enrollment in the same plan, it allows individuals to maintain access to their providers and services without the need for immediate decision-making, which can be particularly beneficial if they are satisfied with their current coverage and do not want to make any changes. This automatic renewal process helps streamline the experience for consumers, allowing them to focus on other important health care decisions without risking losing their coverage. It also encourages individuals to keep their plans, which supports stability in the health insurance market.