CIGNA MEDICARE PRODUCT AND BENEFITS
PRACTICE EXAMINATION 2026–2027 — STUDY GUIDE
| LATEST UPDATE 2026/2027 | PRACTICE QUESTIONS
AND ANSWERS | EXAM REVIEW | 100% CORRECT
ANSWERS | VERIFIED SOLUTIONS | ALREADY
GRADED A+
1. Which of the following is the primary difference between
Original Medicare and a Medicare Advantage plan?
A) Original Medicare covers prescription drugs
automatically
B) Medicare Advantage plans replace Original Medicare as
the primary coverage and must provide all Part A and Part
B benefits
C) Medicare Advantage plans only cover hospital care
D) Original Medicare is always more expensive
Correct Answer: B
Medicare Advantage (Part C) plans replace Original Medicare as
the primary coverage and must provide all Part A and Part B
benefits except hospice care. Prescription drug coverage is not
automatic under Original Medicare. MA plans may include drug
coverage (MA-PD).
, 2. A beneficiary is eligible for Medicare Advantage if they are:
A) Enrolled in both Medicare Part A and Part B and live in
the plan's service area
B) Only enrolled in Part A
C) Under age 65 without a disability
D) Only enrolled in Part D
Correct Answer: A
To enroll in a Medicare Advantage plan, a beneficiary must be
enrolled in both Part A and Part B and reside in the plan's
service area. Enrollment in only Part A or Part D is insufficient.
Most beneficiaries must be age 65 or qualifying by
disability/ESRD/ALS.
3. Which of the following is a requirement for a Cigna
Medicare Advantage plan to be offered in a service area?
A) The plan must be approved by CMS and meet network
adequacy standards
B) The plan can be offered anywhere without approval
C) The plan must only cover Part D
D) The plan must be free of premiums
Correct Answer: A
MA plans must be approved by CMS and meet network
adequacy, benefit, and quality requirements for the service
area. They are not automatically available everywhere and may
have premiums.
, 4. A beneficiary enrolled in a Cigna Medicare Advantage HMO
plan usually must:
A) Select a primary care physician and obtain referrals for
specialists
B) See any provider without referrals
C) Have no network restrictions
D) Pay all costs out-of-pocket
Correct Answer: A
HMO plans typically require selection of a primary care
physician and referrals for specialists, and usually do not cover
out-of-network care except emergencies. PPO plans offer more
flexibility.
5. During the Annual Election Period (AEP), a Medicare
beneficiary may:
A) Only change Part D plans
B) Enroll in or switch Medicare Advantage plans and/or
Part D plans
C) Only enroll in Original Medicare
D) Make unlimited changes throughout the year
Correct Answer: B
AEP runs from October 15 to December 7 each year, allowing
beneficiaries to enroll in or switch Medicare Advantage plans
and/or Part D plans, with coverage effective January 1. It is not
limited to Part D or Original Medicare only.
PRACTICE EXAMINATION 2026–2027 — STUDY GUIDE
| LATEST UPDATE 2026/2027 | PRACTICE QUESTIONS
AND ANSWERS | EXAM REVIEW | 100% CORRECT
ANSWERS | VERIFIED SOLUTIONS | ALREADY
GRADED A+
1. Which of the following is the primary difference between
Original Medicare and a Medicare Advantage plan?
A) Original Medicare covers prescription drugs
automatically
B) Medicare Advantage plans replace Original Medicare as
the primary coverage and must provide all Part A and Part
B benefits
C) Medicare Advantage plans only cover hospital care
D) Original Medicare is always more expensive
Correct Answer: B
Medicare Advantage (Part C) plans replace Original Medicare as
the primary coverage and must provide all Part A and Part B
benefits except hospice care. Prescription drug coverage is not
automatic under Original Medicare. MA plans may include drug
coverage (MA-PD).
, 2. A beneficiary is eligible for Medicare Advantage if they are:
A) Enrolled in both Medicare Part A and Part B and live in
the plan's service area
B) Only enrolled in Part A
C) Under age 65 without a disability
D) Only enrolled in Part D
Correct Answer: A
To enroll in a Medicare Advantage plan, a beneficiary must be
enrolled in both Part A and Part B and reside in the plan's
service area. Enrollment in only Part A or Part D is insufficient.
Most beneficiaries must be age 65 or qualifying by
disability/ESRD/ALS.
3. Which of the following is a requirement for a Cigna
Medicare Advantage plan to be offered in a service area?
A) The plan must be approved by CMS and meet network
adequacy standards
B) The plan can be offered anywhere without approval
C) The plan must only cover Part D
D) The plan must be free of premiums
Correct Answer: A
MA plans must be approved by CMS and meet network
adequacy, benefit, and quality requirements for the service
area. They are not automatically available everywhere and may
have premiums.
, 4. A beneficiary enrolled in a Cigna Medicare Advantage HMO
plan usually must:
A) Select a primary care physician and obtain referrals for
specialists
B) See any provider without referrals
C) Have no network restrictions
D) Pay all costs out-of-pocket
Correct Answer: A
HMO plans typically require selection of a primary care
physician and referrals for specialists, and usually do not cover
out-of-network care except emergencies. PPO plans offer more
flexibility.
5. During the Annual Election Period (AEP), a Medicare
beneficiary may:
A) Only change Part D plans
B) Enroll in or switch Medicare Advantage plans and/or
Part D plans
C) Only enroll in Original Medicare
D) Make unlimited changes throughout the year
Correct Answer: B
AEP runs from October 15 to December 7 each year, allowing
beneficiaries to enroll in or switch Medicare Advantage plans
and/or Part D plans, with coverage effective January 1. It is not
limited to Part D or Original Medicare only.
