CIGNA Medicare Exam Preparation Latest
Update 2026/2027| Products & Benefits|
Selling with Integrity| Compliance Program|
Certification| A Review of 150 Practice
Questions and Answers with Detailed
Rationale| Guaranteed Pass | Brand New
SECTION 1: PLAN INFORMATION AND BENEFITS
1. What document should a Medicare sales agent use for the most accurate
plan information?
A. Medicare Marketing Guidelines
B. Scope of Appointment document
C. Summary of Benefits
D. Product & Benefits Overview training
Answer: C - Summary of Benefits
Rationale: The Summary of Benefits is the official document that contains the most
accurate and final plan information. While training materials and marketing
guidelines provide useful information, the Summary of Benefits is the authoritative
source for plan details.
2. Which customer profile would best fit a PPO plan?
A. Keith, who is living on a fixed income
B. Sara, who has several chronic diseases and relies on her doctor to coordinate her
healthcare
C. Clara, who values network travel and craves choice and flexibility
D. All of these
,Answer: C - Clara, who values network travel and craves choice and
flexibility
Rationale: PPO plans are designed for customers who want flexibility, choice, and
the ability to travel. The key features of PPO plans include open-access networks,
out-of-network/travel access, and no referrals. Clara's desire for choice and
flexibility makes her the ideal fit.
3. Which statement about Cigna Medicare HMO plans is true?
A. All HMO plans have referrals
B. PCP selection is not required for HMO plans
C. Some HMO plans require a referral
D. HMO plans do not include the Yearly Health Checkup
Answer: C - Some HMO plans require a referral
Rationale: Not all HMO plans have referrals; some plans have removed referral
requirements. PCP selection is generally required for HMO plans, and they do
include the Yearly Health Checkup. The accurate statement is that some HMO
plans require a referral.
4. What is the goal of Cigna Medicare Advantage Incentives?
A. Educating customers on exercise
B. Improving our customers' overall health
C. $0 Copays
D. Educating customers on nutrition
Answer: B - Improving our customers' overall health
Rationale: The primary goal of Cigna Medicare Advantage Incentives is to
improve customers' overall health. While education on exercise and nutrition may
be components, the overarching objective is health improvement.
5. What does Cigna Healthcare seek to improve of those they serve?
A. Health
,B. Vitality
C. Talent
D. Both A and B
Answer: D - Both A and B
Rationale: Cigna Healthcare seeks to improve both Health and Vitality of those
they serve. Talent is not one of the areas they specifically target for improvement.
6. What is the Cigna Healthy Today card?
A. Multiple flex cards for Cigna Medicare customers to access dental benefits
B. One flex card solution for Cigna Medicare customers to access their value-based
care provider
C. One flex card solution for Cigna Medicare customers to access multiple
supplemental benefits
D. One flex card solution for Cigna Medicare customers to access transportation
benefits
Answer: C - One flex card solution for Cigna Medicare customers to access
multiple supplemental benefits
Rationale: The Cigna Healthy Today card is a single flex card solution that allows
customers to access multiple supplemental benefits, not just one specific type of
benefit.
7. Which products offer choice, flexibility, open-access network, out of
network/travel access and no referrals?
A. HMO plans
B. PPO plans
C. Both HMO and PPO plans
D. Value-based care model
Answer: B - PPO plans
, Rationale: PPO plans are specifically designed to offer choice, flexibility, open-
access networks, out-of-network/travel access, and no referrals. HMO plans
typically have more restricted networks and may require referrals.
8. What is true about Dual Special Needs Plans (D-SNPs)?
A. Plans are for customers with Medicare and Medicaid
B. We offer HMO D-SNPs
C. Plans include non-zero cost share and zero dollar cost share
D. All of these
Answer: D - All of these
Rationale: All statements are true about D-SNPs. They are designed for customers
who have both Medicare and Medicaid, Cigna offers HMO D-SNPs, and these
plans include both non-zero and zero dollar cost share options.
9. Which description(s) are accurate about the Caregiver Support program?
A. Provides a support system through resources available via a digital application
B. Provides a support system to providers who are part of the Value Based Care
model
C. Provides a support system through resources available through 1:1 coaching
D. Both A and C
Answer: D - Both A and C
Rationale: The Caregiver Support program provides support through both digital
applications and 1:1 coaching. It does not specifically provide support to providers
in the Value Based Care model.
10. Which 2025 PDP plan is designed for customers receiving Extra Help and
needing basic protection?
A. Assurance
B. Saver
Update 2026/2027| Products & Benefits|
Selling with Integrity| Compliance Program|
Certification| A Review of 150 Practice
Questions and Answers with Detailed
Rationale| Guaranteed Pass | Brand New
SECTION 1: PLAN INFORMATION AND BENEFITS
1. What document should a Medicare sales agent use for the most accurate
plan information?
A. Medicare Marketing Guidelines
B. Scope of Appointment document
C. Summary of Benefits
D. Product & Benefits Overview training
Answer: C - Summary of Benefits
Rationale: The Summary of Benefits is the official document that contains the most
accurate and final plan information. While training materials and marketing
guidelines provide useful information, the Summary of Benefits is the authoritative
source for plan details.
2. Which customer profile would best fit a PPO plan?
A. Keith, who is living on a fixed income
B. Sara, who has several chronic diseases and relies on her doctor to coordinate her
healthcare
C. Clara, who values network travel and craves choice and flexibility
D. All of these
,Answer: C - Clara, who values network travel and craves choice and
flexibility
Rationale: PPO plans are designed for customers who want flexibility, choice, and
the ability to travel. The key features of PPO plans include open-access networks,
out-of-network/travel access, and no referrals. Clara's desire for choice and
flexibility makes her the ideal fit.
3. Which statement about Cigna Medicare HMO plans is true?
A. All HMO plans have referrals
B. PCP selection is not required for HMO plans
C. Some HMO plans require a referral
D. HMO plans do not include the Yearly Health Checkup
Answer: C - Some HMO plans require a referral
Rationale: Not all HMO plans have referrals; some plans have removed referral
requirements. PCP selection is generally required for HMO plans, and they do
include the Yearly Health Checkup. The accurate statement is that some HMO
plans require a referral.
4. What is the goal of Cigna Medicare Advantage Incentives?
A. Educating customers on exercise
B. Improving our customers' overall health
C. $0 Copays
D. Educating customers on nutrition
Answer: B - Improving our customers' overall health
Rationale: The primary goal of Cigna Medicare Advantage Incentives is to
improve customers' overall health. While education on exercise and nutrition may
be components, the overarching objective is health improvement.
5. What does Cigna Healthcare seek to improve of those they serve?
A. Health
,B. Vitality
C. Talent
D. Both A and B
Answer: D - Both A and B
Rationale: Cigna Healthcare seeks to improve both Health and Vitality of those
they serve. Talent is not one of the areas they specifically target for improvement.
6. What is the Cigna Healthy Today card?
A. Multiple flex cards for Cigna Medicare customers to access dental benefits
B. One flex card solution for Cigna Medicare customers to access their value-based
care provider
C. One flex card solution for Cigna Medicare customers to access multiple
supplemental benefits
D. One flex card solution for Cigna Medicare customers to access transportation
benefits
Answer: C - One flex card solution for Cigna Medicare customers to access
multiple supplemental benefits
Rationale: The Cigna Healthy Today card is a single flex card solution that allows
customers to access multiple supplemental benefits, not just one specific type of
benefit.
7. Which products offer choice, flexibility, open-access network, out of
network/travel access and no referrals?
A. HMO plans
B. PPO plans
C. Both HMO and PPO plans
D. Value-based care model
Answer: B - PPO plans
, Rationale: PPO plans are specifically designed to offer choice, flexibility, open-
access networks, out-of-network/travel access, and no referrals. HMO plans
typically have more restricted networks and may require referrals.
8. What is true about Dual Special Needs Plans (D-SNPs)?
A. Plans are for customers with Medicare and Medicaid
B. We offer HMO D-SNPs
C. Plans include non-zero cost share and zero dollar cost share
D. All of these
Answer: D - All of these
Rationale: All statements are true about D-SNPs. They are designed for customers
who have both Medicare and Medicaid, Cigna offers HMO D-SNPs, and these
plans include both non-zero and zero dollar cost share options.
9. Which description(s) are accurate about the Caregiver Support program?
A. Provides a support system through resources available via a digital application
B. Provides a support system to providers who are part of the Value Based Care
model
C. Provides a support system through resources available through 1:1 coaching
D. Both A and C
Answer: D - Both A and C
Rationale: The Caregiver Support program provides support through both digital
applications and 1:1 coaching. It does not specifically provide support to providers
in the Value Based Care model.
10. Which 2025 PDP plan is designed for customers receiving Extra Help and
needing basic protection?
A. Assurance
B. Saver
