UHC ETHICS UPDATED TIPS ANSWERS AND
QUESTIONS SET A+
✔✔if a consumer appears to have either a physical and or mental challenges that may
impede their ability to enroll themselves in a plan, you must ask if they have a ____ or
____? - ✔✔POA or authorized representitive
✔✔a person assisting, including an agent cannot sign the enrollment application on
behalf of the - ✔✔consumer.
only the consumer, POA, or authorized representative can sign the enrollment
application
✔✔agents can offer promotional gifts to attendees of any event type as long as such
gifts are of nominal retail value. nominal value is any item _____ or less - ✔✔$15 or
less
✔✔the combined value of all giveaway items including food, must not exceed______
per consumer - ✔✔$15
✔✔What types of gifts are prohibited regardless of the amount? - ✔✔cash, gift
certificates, gift cards, monetary rebates, as well as charitable contributions made on
behalf of the consumers/members
✔✔you must state that accepting a gift or prize does not obligate a consumer to -
✔✔enroll
✔✔when providing gifts, you must offer to - ✔✔all persons whether or not they're eigible
for medicare
✔✔giving gifts to solicit business is - ✔✔prohibited
, ✔✔what is the real on meals for sales/marketing events? - ✔✔it is prohibited including
personal and individual marketing appointments
✔✔agents may serve light refreshments providing the items cannot be combined to
equal a - ✔✔meal.
✔✔Are you required to disclose compensation? - ✔✔no
✔✔Define compensation according to CMS? - ✔✔monetary or non-monetary
remuneration of any kind relating to the sale or renewal of a policy including, but not
limited to, commission, bonuses, gifts, prizes, awards, and referral/finder's fees.
✔✔What does compensation not involve? - ✔✔payment of fees to comply with stat
appointment laws.: costs related to training, certification, and testing requirements;
reimbursement for mileage to and from educational and marketing/sales events or
marketing appointments with consumers
✔✔What does ISR stand for? - ✔✔internal sales representitives
✔✔What is a sales incentive plan? - ✔✔Employed agents are paid an incentive when
specific goals have been met.
✔✔referral/finder's fees? - ✔✔UHC does not sponsor a lead referral program; therefore,
no payment is made in exchange for a referral or as a result of referred consumer's
enrollment
✔✔Marketing fees? - ✔✔Agents are prohibited from charging a consimer or member
any type of fee for the marketing of a Medicare insurance product, including but not
limited to : entrance fees to attend educational or marketing/sales events, fees to
conduct a personal/individual meeting appointment, or to cover the cost of materials
✔✔What is another name for compensation recovery? - ✔✔charge backs
✔✔What is compensation recovery? - ✔✔Incentive amounts are deducted from a SIP
participant's incentive payment for previously paid advances on sales that aren't earned.
generally the result of a member's rapid disenrollment from their plan, but can occur for
other reasons.
✔✔When does rapid dis-enrollment occur? - ✔✔it occurs when a member voluntarily
dis-enrolls or moves from one UHC plan to another prior to the member's FOURTH
month effective date following the original effective date.
✔✔What does EDC stand for? - ✔✔external distribution channel
QUESTIONS SET A+
✔✔if a consumer appears to have either a physical and or mental challenges that may
impede their ability to enroll themselves in a plan, you must ask if they have a ____ or
____? - ✔✔POA or authorized representitive
✔✔a person assisting, including an agent cannot sign the enrollment application on
behalf of the - ✔✔consumer.
only the consumer, POA, or authorized representative can sign the enrollment
application
✔✔agents can offer promotional gifts to attendees of any event type as long as such
gifts are of nominal retail value. nominal value is any item _____ or less - ✔✔$15 or
less
✔✔the combined value of all giveaway items including food, must not exceed______
per consumer - ✔✔$15
✔✔What types of gifts are prohibited regardless of the amount? - ✔✔cash, gift
certificates, gift cards, monetary rebates, as well as charitable contributions made on
behalf of the consumers/members
✔✔you must state that accepting a gift or prize does not obligate a consumer to -
✔✔enroll
✔✔when providing gifts, you must offer to - ✔✔all persons whether or not they're eigible
for medicare
✔✔giving gifts to solicit business is - ✔✔prohibited
, ✔✔what is the real on meals for sales/marketing events? - ✔✔it is prohibited including
personal and individual marketing appointments
✔✔agents may serve light refreshments providing the items cannot be combined to
equal a - ✔✔meal.
✔✔Are you required to disclose compensation? - ✔✔no
✔✔Define compensation according to CMS? - ✔✔monetary or non-monetary
remuneration of any kind relating to the sale or renewal of a policy including, but not
limited to, commission, bonuses, gifts, prizes, awards, and referral/finder's fees.
✔✔What does compensation not involve? - ✔✔payment of fees to comply with stat
appointment laws.: costs related to training, certification, and testing requirements;
reimbursement for mileage to and from educational and marketing/sales events or
marketing appointments with consumers
✔✔What does ISR stand for? - ✔✔internal sales representitives
✔✔What is a sales incentive plan? - ✔✔Employed agents are paid an incentive when
specific goals have been met.
✔✔referral/finder's fees? - ✔✔UHC does not sponsor a lead referral program; therefore,
no payment is made in exchange for a referral or as a result of referred consumer's
enrollment
✔✔Marketing fees? - ✔✔Agents are prohibited from charging a consimer or member
any type of fee for the marketing of a Medicare insurance product, including but not
limited to : entrance fees to attend educational or marketing/sales events, fees to
conduct a personal/individual meeting appointment, or to cover the cost of materials
✔✔What is another name for compensation recovery? - ✔✔charge backs
✔✔What is compensation recovery? - ✔✔Incentive amounts are deducted from a SIP
participant's incentive payment for previously paid advances on sales that aren't earned.
generally the result of a member's rapid disenrollment from their plan, but can occur for
other reasons.
✔✔When does rapid dis-enrollment occur? - ✔✔it occurs when a member voluntarily
dis-enrolls or moves from one UHC plan to another prior to the member's FOURTH
month effective date following the original effective date.
✔✔What does EDC stand for? - ✔✔external distribution channel
