AETNA INDIVIDUAL CORE CERTIFICATION EXAM
AND PRACTICE TEST NEWEST 2026/ 2027 ACTUAL
EXAM| COMPLETE REAL EXAM QUESTIONS AND
CORRECT VERIFIED ANSWERS/ ALREADY GRADED
A+ (MOST RECENT!!)
A licensed agent meets a Medicare beneficiary at a community health
fair. The beneficiary asks for detailed information about an Aetna
Medicare Advantage plan. Before discussing plan-specific benefits, what
should the agent obtain?
a) Payment
b) Consent
c) SOA
d) ID - Correct Answer - SOA
A Scope of Appointment (SOA) is generally required before discussing
Medicare Advantage plan-specific benefits during individual sales
appointments.
An agent receives a call from a Medicare beneficiary who wants to
switch plans during the Annual Enrollment Period (AEP). Which
enrollment period allows most beneficiaries to make this change?
a) ICEP
b) AEP
c) SEP
d) OEP - Correct Answer - AEP
The Annual Enrollment Period is the primary time beneficiaries may
enroll in or switch Medicare Advantage and Part D plans.
pg. 1
,An agent is conducting a Medicare sales presentation. Which action
complies with CMS marketing rules?
a) Pressure
b) Educate
c) Enroll
d) Compare - Correct Answer - Educate
Agents should provide objective, accurate information and avoid high-
pressure sales tactics.
A beneficiary enrolls in an Aetna Medicare Advantage plan after
reviewing available options. Several weeks later, the beneficiary claims
the agent promised benefits that were never included in the plan
documents. Which issue does this situation represent?
a) Marketing
b) Misrepresentation
c) Enrollment
d) Eligibility - Correct Answer - Misrepresentation
Agents must accurately represent plan benefits. Promising unavailable
benefits violates Medicare marketing requirements.
An agent schedules a meeting with a beneficiary specifically to discuss
Medicare Advantage plans. Before the appointment begins, the
beneficiary mentions interest in prescription drug coverage as well.
Which document determines whether that additional topic can be
discussed?
a) Contract
b) SOA
pg. 2
,c) License
d) ID card - Correct Answer - SOA
The Scope of Appointment identifies which Medicare products may be
discussed during the appointment.
A Medicare beneficiary currently enrolled in a Medicare Advantage plan
wants to return to Original Medicare after the beginning of the calendar
year. Which period may allow this option?
a) OEP
b) AEP
c) ICEP
d) SEP - Correct Answer - OEP
The Medicare Advantage Open Enrollment Period allows eligible MA
enrollees to make a one-time change, including returning to Original
Medicare.
A beneficiary asks an agent whether a Medicare Advantage plan covers
every healthcare provider in the United States. The agent explains that
provider access depends on the plan’s network structure. Which concept
is being addressed?
a) Network
b) Premium
c) Deductible
d) Enrollment - Correct Answer - Network
Medicare Advantage plans may use provider networks, and beneficiaries
should understand how network rules affect provider choices.
pg. 3
, A beneficiary enrolled in an Aetna Medicare Advantage plan wants to
understand how prescription coverage is handled. Which Medicare
component provides this benefit?
a) Part A
b) Part B
c) Part C
d) Part D - Correct Answer - Part D
Medicare Part D provides prescription drug coverage, either through
standalone plans or included in many Medicare Advantage Prescription
Drug plans.
A beneficiary wants to enroll in Medicare Advantage but has not yet
enrolled in both Medicare Part A and Part B. Which requirement affects
eligibility?
a) Enrollment
b) Residency
c) Income
d) Age - Correct Answer - Enrollment
Generally, individuals must be enrolled in both Medicare Part A and Part
B to join a Medicare Advantage plan.
An agent receives a beneficiary’s protected health information by email.
The agent forwards it to a personal email account for convenience.
Which compliance area is most concerning?
a) Privacy
b) Licensing
c) Compensation
pg. 4
AND PRACTICE TEST NEWEST 2026/ 2027 ACTUAL
EXAM| COMPLETE REAL EXAM QUESTIONS AND
CORRECT VERIFIED ANSWERS/ ALREADY GRADED
A+ (MOST RECENT!!)
A licensed agent meets a Medicare beneficiary at a community health
fair. The beneficiary asks for detailed information about an Aetna
Medicare Advantage plan. Before discussing plan-specific benefits, what
should the agent obtain?
a) Payment
b) Consent
c) SOA
d) ID - Correct Answer - SOA
A Scope of Appointment (SOA) is generally required before discussing
Medicare Advantage plan-specific benefits during individual sales
appointments.
An agent receives a call from a Medicare beneficiary who wants to
switch plans during the Annual Enrollment Period (AEP). Which
enrollment period allows most beneficiaries to make this change?
a) ICEP
b) AEP
c) SEP
d) OEP - Correct Answer - AEP
The Annual Enrollment Period is the primary time beneficiaries may
enroll in or switch Medicare Advantage and Part D plans.
pg. 1
,An agent is conducting a Medicare sales presentation. Which action
complies with CMS marketing rules?
a) Pressure
b) Educate
c) Enroll
d) Compare - Correct Answer - Educate
Agents should provide objective, accurate information and avoid high-
pressure sales tactics.
A beneficiary enrolls in an Aetna Medicare Advantage plan after
reviewing available options. Several weeks later, the beneficiary claims
the agent promised benefits that were never included in the plan
documents. Which issue does this situation represent?
a) Marketing
b) Misrepresentation
c) Enrollment
d) Eligibility - Correct Answer - Misrepresentation
Agents must accurately represent plan benefits. Promising unavailable
benefits violates Medicare marketing requirements.
An agent schedules a meeting with a beneficiary specifically to discuss
Medicare Advantage plans. Before the appointment begins, the
beneficiary mentions interest in prescription drug coverage as well.
Which document determines whether that additional topic can be
discussed?
a) Contract
b) SOA
pg. 2
,c) License
d) ID card - Correct Answer - SOA
The Scope of Appointment identifies which Medicare products may be
discussed during the appointment.
A Medicare beneficiary currently enrolled in a Medicare Advantage plan
wants to return to Original Medicare after the beginning of the calendar
year. Which period may allow this option?
a) OEP
b) AEP
c) ICEP
d) SEP - Correct Answer - OEP
The Medicare Advantage Open Enrollment Period allows eligible MA
enrollees to make a one-time change, including returning to Original
Medicare.
A beneficiary asks an agent whether a Medicare Advantage plan covers
every healthcare provider in the United States. The agent explains that
provider access depends on the plan’s network structure. Which concept
is being addressed?
a) Network
b) Premium
c) Deductible
d) Enrollment - Correct Answer - Network
Medicare Advantage plans may use provider networks, and beneficiaries
should understand how network rules affect provider choices.
pg. 3
, A beneficiary enrolled in an Aetna Medicare Advantage plan wants to
understand how prescription coverage is handled. Which Medicare
component provides this benefit?
a) Part A
b) Part B
c) Part C
d) Part D - Correct Answer - Part D
Medicare Part D provides prescription drug coverage, either through
standalone plans or included in many Medicare Advantage Prescription
Drug plans.
A beneficiary wants to enroll in Medicare Advantage but has not yet
enrolled in both Medicare Part A and Part B. Which requirement affects
eligibility?
a) Enrollment
b) Residency
c) Income
d) Age - Correct Answer - Enrollment
Generally, individuals must be enrolled in both Medicare Part A and Part
B to join a Medicare Advantage plan.
An agent receives a beneficiary’s protected health information by email.
The agent forwards it to a personal email account for convenience.
Which compliance area is most concerning?
a) Privacy
b) Licensing
c) Compensation
pg. 4
