State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
HICAP (Health Insurance Counseling and Advocacy Program) is best described as:
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
HICAP is the California program (federally authorized under the Older Americans Act) that provides free, unbiased counseling to Medicare beneficiaries and their families — covering Original Medicare, Medicare Advantage, Medigap, Part D, Medi-Cal, and long-term care questions. It is administered by the California Department of Aging and does not sell insurance. Agents must not misrepresent HICAP as their own product.
Why the other options are wrong
- B) HICAP sells nothing; it is a free counseling service, not a product.
- C) HICAP is not a drug formulary category; it is a counseling program.
- D) HICAP is not a penalty; it is an advocacy and education resource.
Memory hook
HICAP = the free counselor in the beneficiary's corner. Sells nothing, explains everything.