UHC ETHICS AND COMPLIANCE TEST FINAL
PAPER 2026 ACTUAL EXAM QUESTIONS WITH
CORRECT ANSWERS
◉ SCARE TACTICS ARE Answer: PROHIBITED
◉ what is an authorized representitive? Answer: is a person who is
authorized under state law to complete the enrollment application,
make health care decisions on behalf of the consumer and is
authorized to receive health care related on his/her behalf
◉ in order to determine if a POA or authorized representitive is
needed when enrolling a consumer, the agent MUST___? Answer:
consider the consumers mental and physical ability to enroll
themselves
◉ 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 ____? Answer: POA or
authorized representitive
◉ a person assisting, including an agent cannot sign the enrollment
application on behalf of the Answer: 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 Answer: $15 or less
◉ the combined value of all giveaway items including food, must not
exceed______ per consumer Answer: $15
◉ What types of gifts are prohibited regardless of the amount?
Answer: 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 Answer: enroll
◉ when providing gifts, you must offer to Answer: all persons
whether or not they're eigible for medicare
◉ giving gifts to solicit business is Answer: prohibited
, ◉ what is the real on meals for sales/marketing events? Answer: it is
prohibited including personal and individual marketing
appointments
◉ agents may serve light refreshments providing the items cannot
be combined to equal a Answer: meal.
◉ Are you required to disclose compensation? Answer: no
◉ Define compensation according to CMS? Answer: 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? Answer: 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? Answer: internal sales representitives
◉ What is a sales incentive plan? Answer: Employed agents are paid
an incentive when specific goals have been met.
PAPER 2026 ACTUAL EXAM QUESTIONS WITH
CORRECT ANSWERS
◉ SCARE TACTICS ARE Answer: PROHIBITED
◉ what is an authorized representitive? Answer: is a person who is
authorized under state law to complete the enrollment application,
make health care decisions on behalf of the consumer and is
authorized to receive health care related on his/her behalf
◉ in order to determine if a POA or authorized representitive is
needed when enrolling a consumer, the agent MUST___? Answer:
consider the consumers mental and physical ability to enroll
themselves
◉ 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 ____? Answer: POA or
authorized representitive
◉ a person assisting, including an agent cannot sign the enrollment
application on behalf of the Answer: 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 Answer: $15 or less
◉ the combined value of all giveaway items including food, must not
exceed______ per consumer Answer: $15
◉ What types of gifts are prohibited regardless of the amount?
Answer: 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 Answer: enroll
◉ when providing gifts, you must offer to Answer: all persons
whether or not they're eigible for medicare
◉ giving gifts to solicit business is Answer: prohibited
, ◉ what is the real on meals for sales/marketing events? Answer: it is
prohibited including personal and individual marketing
appointments
◉ agents may serve light refreshments providing the items cannot
be combined to equal a Answer: meal.
◉ Are you required to disclose compensation? Answer: no
◉ Define compensation according to CMS? Answer: 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? Answer: 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? Answer: internal sales representitives
◉ What is a sales incentive plan? Answer: Employed agents are paid
an incentive when specific goals have been met.
