PY2027 Devoted Agent Certification Exam
Questions and Answers with Complete
Solutions UPDATED!!!!.pdf
1. What does CMS require regarding marketing, sales,
and enrollment calls with beneficiaries?
A. Calls are optional to record
B. They must be recorded in their entirety
C. Only the enrollment portion must be recorded
D. Only calls longer than 30 minutes must be recorded
Answer: B
Rationale: CMS requires plans and agents to record
marketing, sales, and enrollment calls in their entirety and
retain them. Recordings protect beneficiaries and let plans
review agent conduct.
2. What is the purpose of the Pre-Enrollment
Checklist (PECL)?
A. To collect the beneficiary’s payment information
B. To help the beneficiary understand important plan
details, such as providers, drug coverage, and costs,
before enrolling
C. To verify the agent’s license
D. To replace the enrollment application
,Answer: B
Rationale: The PECL prompts a review of key items so
beneficiaries can make informed decisions. Agents should
go through it before taking an enrollment.
3. A beneficiary moves permanently outside their
plan’s service area. Which applies?
A. No change is possible until the next AEP
B. They qualify for a Special Enrollment Period to choose
a new plan
C. They must stay in the plan for the rest of the year
D. They lose Medicare coverage
Answer: B
Rationale: A permanent move out of the service area
triggers an SEP. The exact timing rules depend on
whether the person notifies the plan before or after the
move.
4. A beneficiary loses employer group health coverage.
What generally applies?
A. No SEP is available
B. An SEP is available, generally for a limited period
around the loss of coverage
C. They must wait until January 1
D. They can enroll only in Medigap
Answer: B
Rationale: Loss of creditable coverage, including
,employer coverage, typically creates an SEP. Check the
current window and documentation requirements.
5. Which statement about out-of-network care is
generally correct?
A. HMO plans cover all non-emergency out-of-network
care at the same cost
B. HMOs generally cover non-emergency care only from
in-network providers, while PPOs cover out-of-network
care, often at higher cost
C. PPOs never cover out-of-network care
D. Network rules do not matter for Medicare Advantage
Answer: B
Rationale: Network design is a key difference between
plan types. Emergency and urgent care are covered
regardless of network under Medicare rules.
6. May an agent tell a beneficiary that a plan is
“endorsed by Medicare” or “recommended by CMS”?
A. Yes, if the plan is popular
B. No, because such claims imply government
endorsement and are prohibited
C. Yes, if the plan has 5 stars
D. Yes, in written materials only
Answer: B
Rationale: Marketing cannot suggest that Medicare or
CMS endorses a plan. Superlatives such as “best” require
, supporting data and clear sourcing, and are limited under
CMS rules.
7. Who is eligible to enroll in a Dual Eligible Special
Needs Plan (D-SNP)?
A. Anyone with Medicare
B. People entitled to both Medicare and Medicaid
C. People with Medigap only
D. People under age 18
Answer: B
Rationale: D-SNPs are designed for individuals who
have both Medicare and Medicaid coverage, and they
coordinate benefits across both programs.
8. Before selling Medicare Advantage or Part D plans,
an agent must generally:
A. Only hold a driver’s license
B. Be licensed in the state, appointed by the plan, and
complete required annual training and testing
C. Have a nursing degree
D. Be a CMS employee
Answer: B
Rationale: Agents must hold the proper state license and
plan appointment and complete annual training and
certification before selling for that plan year.
9. A beneficiary says they need to think about it before
enrolling. What is the appropriate response?
Questions and Answers with Complete
Solutions UPDATED!!!!.pdf
1. What does CMS require regarding marketing, sales,
and enrollment calls with beneficiaries?
A. Calls are optional to record
B. They must be recorded in their entirety
C. Only the enrollment portion must be recorded
D. Only calls longer than 30 minutes must be recorded
Answer: B
Rationale: CMS requires plans and agents to record
marketing, sales, and enrollment calls in their entirety and
retain them. Recordings protect beneficiaries and let plans
review agent conduct.
2. What is the purpose of the Pre-Enrollment
Checklist (PECL)?
A. To collect the beneficiary’s payment information
B. To help the beneficiary understand important plan
details, such as providers, drug coverage, and costs,
before enrolling
C. To verify the agent’s license
D. To replace the enrollment application
,Answer: B
Rationale: The PECL prompts a review of key items so
beneficiaries can make informed decisions. Agents should
go through it before taking an enrollment.
3. A beneficiary moves permanently outside their
plan’s service area. Which applies?
A. No change is possible until the next AEP
B. They qualify for a Special Enrollment Period to choose
a new plan
C. They must stay in the plan for the rest of the year
D. They lose Medicare coverage
Answer: B
Rationale: A permanent move out of the service area
triggers an SEP. The exact timing rules depend on
whether the person notifies the plan before or after the
move.
4. A beneficiary loses employer group health coverage.
What generally applies?
A. No SEP is available
B. An SEP is available, generally for a limited period
around the loss of coverage
C. They must wait until January 1
D. They can enroll only in Medigap
Answer: B
Rationale: Loss of creditable coverage, including
,employer coverage, typically creates an SEP. Check the
current window and documentation requirements.
5. Which statement about out-of-network care is
generally correct?
A. HMO plans cover all non-emergency out-of-network
care at the same cost
B. HMOs generally cover non-emergency care only from
in-network providers, while PPOs cover out-of-network
care, often at higher cost
C. PPOs never cover out-of-network care
D. Network rules do not matter for Medicare Advantage
Answer: B
Rationale: Network design is a key difference between
plan types. Emergency and urgent care are covered
regardless of network under Medicare rules.
6. May an agent tell a beneficiary that a plan is
“endorsed by Medicare” or “recommended by CMS”?
A. Yes, if the plan is popular
B. No, because such claims imply government
endorsement and are prohibited
C. Yes, if the plan has 5 stars
D. Yes, in written materials only
Answer: B
Rationale: Marketing cannot suggest that Medicare or
CMS endorses a plan. Superlatives such as “best” require
, supporting data and clear sourcing, and are limited under
CMS rules.
7. Who is eligible to enroll in a Dual Eligible Special
Needs Plan (D-SNP)?
A. Anyone with Medicare
B. People entitled to both Medicare and Medicaid
C. People with Medigap only
D. People under age 18
Answer: B
Rationale: D-SNPs are designed for individuals who
have both Medicare and Medicaid coverage, and they
coordinate benefits across both programs.
8. Before selling Medicare Advantage or Part D plans,
an agent must generally:
A. Only hold a driver’s license
B. Be licensed in the state, appointed by the plan, and
complete required annual training and testing
C. Have a nursing degree
D. Be a CMS employee
Answer: B
Rationale: Agents must hold the proper state license and
plan appointment and complete annual training and
certification before selling for that plan year.
9. A beneficiary says they need to think about it before
enrolling. What is the appropriate response?
