United Health Care Insurance Exam 2023 Questions and Answers (Verified Answers)

United Health Care Insurance Exam 2023 Questions and Answers (Verified Answers) When completing an enrollment application in LEAN, why is an agent prohibited from entering his or her own email address in a field available for the consumer's email address? The consumer/member would not receive plan related correspondence intended for him/her By agreeing to the Statement of Understanding, the consumer: Acknowledges that they clearly understand they are enrolling in a plan, combined with knowing the specific plan in which they are enrolling John has Power of Attorney to act on behalf of his mother. What does that mean when it comes to his mother enrolling in a Medicare Advantage Plan? John may complete the Enrollment Application and must be able to provide documentation upon request by the Plan that indicates his authority under state law to enroll his mother Aries is currently a member of a stand-alone PDP. Aries would like to have additional medical coverage. A thorough needs analysis indicates a Medicare Advantage Plan would be a good fit, there are plans available in his area, and he is in a valid election period. Which option is available to Aries? Aries can enroll into a Medicare Advantage plan with prescription drug coverage, which will disenroll him from his PDP In what product should agents enroll consumers? A product that is suitable for the consumer's needs, goals and financial resources To avoid confusing or misleading a consumer, what type of information must the agent provide when presenting a plan? (Select 3) Factual Complete Accurate Annual Election Period (AEP) is a time when. . . Consumers can elect to switch to a different plan or join a Medicare Advantage plan or Prescription Drug Plan How should agent Erin respond when consumer Mrs. Rose notices that the presented MA Plan has a Star Rating of 2 stars? Erin should tell Mrs. Rose that the plan has received a "Below Average" rating Which of the following is not considered unsolicited contact with a Medicare eligible consumer according to CMS regulations and UnitedHealthcare's rules, policies, and procedures? Mailing a marketing brochure to the consumer via postal mail While using LEAN to complete an enrollment application with a consumer, Agent Jeff learns the consumer does not have an email address. What should Jeff do? Leave the field requesting applicant email address blank The __________ ensures that when consumers provide their verbal agreement during the telephonic enrollment, they acknowledge and understand they are actually enrolling, in which plan they are enrolling, as well as the standard disclosures Statement of Understanding A one-on-one marketing appointment, whether in-person or telephonic, is always considered a marketing/sales event, but it is not reported to UnitedHealthcare or CMS; instead the consumer must provide ___________________ agreement prior to the start of the appointment Scope of Appointment Melanie is currently enrolled in a Medicare Supplement Insurance Plan and a PDP. Assuming she has a valid election period, what would happen if she enrolled in an HMO MAPD plan? She would be automatically disenrolled from the PDP In which situation may the Medicare Advantage (MA) organization decide to disenroll a member from an MA plan? Premiums are not paid on a timely basis In which situation must the Medicare Advantage (MA) organization disenroll a member from an MA plan? The member loses entitlement to either Medicare Part A or Part B Rosanna is enrolled in a Medicare Advantage Only (MA-Only) Private Fee-for-Service (PFFS) Plan. The plan is suitable for her needs and service area. She has decided she wants to add prescription drug coverage. Which option is available to Rosanna (assuming she is in a valid election period)? Rosanna could stay enrolled in her MA-Only PFFS plan and enroll in a stand-alone PDP Why must an agent present accurate, complete, and factual plan information to consumers? (Select 3) To help avoid misunderstandings To help avoid confusing the consumer To help the consumer focus on plan-specific information, such as benefits and costs Janine, currently enrolled in a 3-star plan, discovers there is 5-star plan available where she lives. She asks her agent, Josh, to enroll her in the 5-star plan. Josh can advise Janine of each of the following except: Josh should tell Janine that she can only change her current plan to a 5-star plan during the Annual Election Period Gene got Medicare before he turned 65 and enrolled into a Medicare Advantage plan. He calls in February the month before his 65th birthday and is unhappy with his current plan. On the date of the call, what can Gene do about his coverage? On the day he called, he can enroll in a different Medicare Advantage plan with an effective date of March 1st