UHC ETHICS AND COMPLIANCE EXAM BANK
2025/2026 WITH 250+ ACTUAL EXAM
QUESTIONS AND CORRECT ANSWERS (100%
CORRECT VERIFIED ANSWERS) UNITED
HEALTHCARE ETHICS & COMPLIANCE TEST
(NEWEST!!)
On October 20, Aries decides to switch his PDP to a Medicare Advantage plan.
Aries would like this change to be effective November 1. Which statement is true
for Aries?
-He can use the Annual Election Period that runs from October 15 to December 7
and select November 1 as his plan effective date.
-There are no rules governing how often he can change plans during the year.
-He may be able to use a Special Election Period to change plans if he qualifies for
one.
-He can use the Medicare Advantage Open Enrollment Period that runs from
October 15 to December 7 and select November 1 as his plan effective date. -
CORRECT ANSWER - He may be able to use a Special Election Period to change
plans if he qualifies for one.
Which of the following statements is true about election periods?
-MA Open Enrollment Period can only be used by a consumer already enrolled in
an MA Plan
-Initial Election Period can only be used by a consumer already enrolled in a
Medicare Advantage (MA) Plan.
1|Page
,-Annual Election Period can only be used by a consumer already enrolled in an
MA Plan.
-5-Star SEP can only be used by a consumer already enrolled in an MA Plan. -
CORRECT ANSWER - MA Open Enrollment Period can only be used by a
consumer already enrolled in an MA Plan
Which statement regarding Star Ratings is true?
-Medicare uses a 5-star rating system to illustrate the plan's relative popularity in a
market as measured by membership and retention rates.
-Star Ratings are based on a plan's performance from the prior year and, therefore,
may not accurately reflect a plan's current value.
-Medicare uses a 5-star rating system to illustrate a plan's performance and quality.
-The agent said that the Star Ratings are based on a plan's performance from two
years ago and, therefore, do not accurately reflect a plan's current value. -
CORRECT ANSWER - Medicare uses a 5-star rating system to illustrate a plan's
performance and quality.
Which of the following describes Permission to Contact (PTC) guidelines?
-PTC expires the Dec. 31 of each year regardless of when it was obtained.
-Contact can only be made by the method(s) requested by the consumer and the
agent can only market the product(s) indicated by the consumer.
-The agent must obtain PTC no later than the start of a marketing appointment and
can only discuss the products agreed upon by the consumer. - CORRECT
ANSWER - Contact can only be made by the method(s) requested by the consumer
and the agent can only market the product(s) indicated by the consumer.
What information should be obtained from the consumer when conducting a
thorough needs assessment? (Select 2)
2|Page
,-Their favorite foods and hygiene products to determine if they are covered by a
grocery allowance.
-The providers they see and medications they take to determine network and
formulary status.
-Their current health care coverage, including what they like about it and what they
don't. - CORRECT ANSWER - The providers they see and medications they take
to determine network and formulary status.
Their current health care coverage, including what they like about it and what they
don't.
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 enrollment application may be denied.
-The agent may experience commission payment processing issues.
-The consumer/member would not receive plan related correspondence intended
for him/her. - CORRECT ANSWER - The consumer/member would not receive
plan related correspondence intended for him/her.
What is the purpose of the Statement of Understanding?
-It ensures that when consumers sign the Medicare Advantage and/or Part D
Enrollment Application, they are acknowledging their understanding of monthly
premiums and deductibles.
-It ensures that when consumers sign the Medicare Advantage and/or Part D
Enrollment Application, they are acknowledging their understanding of standard
enrollment and disenrollment procedures.
-It ensures that when consumers complete the Medicare Advantage and/or Part D
Enrollment Application, they are acknowledging their understanding that they are
3|Page
, actually enrolling, in which plan they are enrolling, and standard disclosures. -
CORRECT ANSWER - It ensures that when consumers complete the Medicare
Advantage and/or Part D Enrollment Application, they are acknowledging their
understanding that they are actually enrolling, in which plan they are enrolling, and
standard disclosures.
Which of the following must an agent obtain from the consumer no less than 48
hours (unless an exception applies) before an in-person, online, or telephonic
marketing appointment?
-Scope of Appointment
-Permission to Call
-Statement of Understanding - CORRECT ANSWER - Scope of Appointment
Jane, an agent, is speaking to Albert about a Prescription Drug plan. Albert seems
confused and is struggling to understand the information Jane is explaining. Which
option should Jane consider?
-Jane should ask another agent to take over the call because she is not getting
through to Albert.
-Jane should forge ahead with the presentation and enroll Albert if he is interested.
-Jane should ask Albert if someone, such as an Authorized Legal Representative,
helps him make health care or insurance-related decisions and should be present.
-Jane should tell Albert to find the information on the plan's website. - CORRECT
ANSWER - Jane should ask Albert if someone, such as an Authorized Legal
Representative, helps him make health care or insurance-related decisions and
should be present.
Select the option that describes the coverage combinations a member can be
enrolled in at the same time.
-Medicare Supplement plan and MA-PD plan
4|Page
2025/2026 WITH 250+ ACTUAL EXAM
QUESTIONS AND CORRECT ANSWERS (100%
CORRECT VERIFIED ANSWERS) UNITED
HEALTHCARE ETHICS & COMPLIANCE TEST
(NEWEST!!)
On October 20, Aries decides to switch his PDP to a Medicare Advantage plan.
Aries would like this change to be effective November 1. Which statement is true
for Aries?
-He can use the Annual Election Period that runs from October 15 to December 7
and select November 1 as his plan effective date.
-There are no rules governing how often he can change plans during the year.
-He may be able to use a Special Election Period to change plans if he qualifies for
one.
-He can use the Medicare Advantage Open Enrollment Period that runs from
October 15 to December 7 and select November 1 as his plan effective date. -
CORRECT ANSWER - He may be able to use a Special Election Period to change
plans if he qualifies for one.
Which of the following statements is true about election periods?
-MA Open Enrollment Period can only be used by a consumer already enrolled in
an MA Plan
-Initial Election Period can only be used by a consumer already enrolled in a
Medicare Advantage (MA) Plan.
1|Page
,-Annual Election Period can only be used by a consumer already enrolled in an
MA Plan.
-5-Star SEP can only be used by a consumer already enrolled in an MA Plan. -
CORRECT ANSWER - MA Open Enrollment Period can only be used by a
consumer already enrolled in an MA Plan
Which statement regarding Star Ratings is true?
-Medicare uses a 5-star rating system to illustrate the plan's relative popularity in a
market as measured by membership and retention rates.
-Star Ratings are based on a plan's performance from the prior year and, therefore,
may not accurately reflect a plan's current value.
-Medicare uses a 5-star rating system to illustrate a plan's performance and quality.
-The agent said that the Star Ratings are based on a plan's performance from two
years ago and, therefore, do not accurately reflect a plan's current value. -
CORRECT ANSWER - Medicare uses a 5-star rating system to illustrate a plan's
performance and quality.
Which of the following describes Permission to Contact (PTC) guidelines?
-PTC expires the Dec. 31 of each year regardless of when it was obtained.
-Contact can only be made by the method(s) requested by the consumer and the
agent can only market the product(s) indicated by the consumer.
-The agent must obtain PTC no later than the start of a marketing appointment and
can only discuss the products agreed upon by the consumer. - CORRECT
ANSWER - Contact can only be made by the method(s) requested by the consumer
and the agent can only market the product(s) indicated by the consumer.
What information should be obtained from the consumer when conducting a
thorough needs assessment? (Select 2)
2|Page
,-Their favorite foods and hygiene products to determine if they are covered by a
grocery allowance.
-The providers they see and medications they take to determine network and
formulary status.
-Their current health care coverage, including what they like about it and what they
don't. - CORRECT ANSWER - The providers they see and medications they take
to determine network and formulary status.
Their current health care coverage, including what they like about it and what they
don't.
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 enrollment application may be denied.
-The agent may experience commission payment processing issues.
-The consumer/member would not receive plan related correspondence intended
for him/her. - CORRECT ANSWER - The consumer/member would not receive
plan related correspondence intended for him/her.
What is the purpose of the Statement of Understanding?
-It ensures that when consumers sign the Medicare Advantage and/or Part D
Enrollment Application, they are acknowledging their understanding of monthly
premiums and deductibles.
-It ensures that when consumers sign the Medicare Advantage and/or Part D
Enrollment Application, they are acknowledging their understanding of standard
enrollment and disenrollment procedures.
-It ensures that when consumers complete the Medicare Advantage and/or Part D
Enrollment Application, they are acknowledging their understanding that they are
3|Page
, actually enrolling, in which plan they are enrolling, and standard disclosures. -
CORRECT ANSWER - It ensures that when consumers complete the Medicare
Advantage and/or Part D Enrollment Application, they are acknowledging their
understanding that they are actually enrolling, in which plan they are enrolling, and
standard disclosures.
Which of the following must an agent obtain from the consumer no less than 48
hours (unless an exception applies) before an in-person, online, or telephonic
marketing appointment?
-Scope of Appointment
-Permission to Call
-Statement of Understanding - CORRECT ANSWER - Scope of Appointment
Jane, an agent, is speaking to Albert about a Prescription Drug plan. Albert seems
confused and is struggling to understand the information Jane is explaining. Which
option should Jane consider?
-Jane should ask another agent to take over the call because she is not getting
through to Albert.
-Jane should forge ahead with the presentation and enroll Albert if he is interested.
-Jane should ask Albert if someone, such as an Authorized Legal Representative,
helps him make health care or insurance-related decisions and should be present.
-Jane should tell Albert to find the information on the plan's website. - CORRECT
ANSWER - Jane should ask Albert if someone, such as an Authorized Legal
Representative, helps him make health care or insurance-related decisions and
should be present.
Select the option that describes the coverage combinations a member can be
enrolled in at the same time.
-Medicare Supplement plan and MA-PD plan
4|Page
