CIGNA MEDICARE PRODUCTS AND BENEFITS FINAL EXAM
2024/2025 QUESTIONS AND VERIFIED CORRECT ANSWERS/
ALREADY GRADED A++
Cigna Medicare HMO plans - ANSWER Some of our HMO plans require a
referral.
Medicare sales agent - ANSWER Should rely on the 2025 Product &
Benefits Overview training for the most accurate plan information.
PPO plans customer profile - ANSWER Clara values network travel and
craves choice and flexibility.
Cigna Healthy Today card - ANSWER One flex card solution for Cigna
Medicare customers' to access multiple supplemental benefits.
Products and Benefits Overview training - ANSWER The benefit
information is pending CMS approval.
Cigna Healthy Today card - ANSWER One flex card solution for Cigna
Medicare customers' to access their value-based care provider.
Cigna Healthy Today card - ANSWER One flex card solution for Cigna
Medicare customers' to access transportation benefits.
Cigna Healthy Today card - ANSWER Multiple flex cards for Cigna
Medicare customers' to access dental benefits.
Products and Benefits Overview training - ANSWER You must use the plan
summary of benefits for the most accurate information.
Which of the following does Cigna Healthcare seek to improve of those we
serve? -ANSWER Both A and B
Which of the following is the goal of Cigna Medicare Advantage Incentives?
-ANSWER Improving our customers' overall health
Which PDP plan is designed for customers who are receiving Extra Help
and need basic protection? -ANSWER Secure Rx
,Which of the following customer profiles would best fit any of our PPO
plans? -ANSWER Clara, who values network travel and craves choice and
flexibility
Which of the following statements) is accurate about plans offered by Cigna
Healthcare to meet the needs of Medicare beneficiaries? -ANSWER Both A
and C
Which of the following should a Medicare sales agent rely on for the most
accurate plan information? -ANSWER Summary of Benefits
What is the Cigna Healthy Today card? -ANSWER One flex card solution
for Cigna Medicare customers to access multiple supplemental benefits
Which of our products offer choice, flexibility, open-access network, out of
network/travel access and no referrals? -ANSWER Our PPO plans
Which of the following is true about Cigna Medicare HMO plans? -
ANSWER Some HMO plans have referrals
Which of the following is true about Cigna Medicare PPO plans? -ANSWER
PCP selection is not required, but strongly encouraged
Which of the following customer profiles would best fit any of our PPO
plans? - ANSWER Clara, who values network travel and craves choice and
flexibility
Which of the following is true about Cigna Medicare PPO plans? -
ANSWER PCP selection is not required, but strongly encouraged
Which of the following is true about Cigna Medicare HMO plans? -
ANSWER Some HMO plans have referrals.
Which of the following is the goal of Cigna Medicare Advantage Incentives?
- ANSWER Improving our customers' overall health
Which of the following describes the Part D Senior Savings Model (SSM) -
ANSWER Helps Medicare beneficiaries save on insulin
,Which of the following should a Medicare sales agent rely on for the most
accurate plan information? - ANSWER Summary of Benefits
Which statement(s) describe the Cigna Dental Allowance? - ANSWER
Offers customers a discount if using a Cigna Dental Health provider.
Offers preventive and comprehensive from any licensed dentist except if on
exclusion and preclusion list.
Which of the following does Cigna seek to ensure in order to improve the
health, well-being, and peace of mind of those we serve? - ANSWER ALL
OF THESE
Making health care simple
Making health care affordable
Making health care predictable
Which PDP plan is designed for customers who are receiving Extra Help
and need basic protection? - ANSWER Secure Rx
Which description(s) are accurate about the Caregiver Support program? -
ANSWER BOTH
Provides a support system for our members and their caregivers through
resources available through a digital application used by the customer's
caregivers.
Provides a support system for our members and their caregivers through
resources available through 1:1 coaching
What is the Cigna Healthy Today card? - ANSWER One flex card solution
for Cigna Medicare customers' to access multiple supplemental benefits
Which of our products offer choice, flexibility, open-access network, out of
network/travel access and no referrals? - ANSWER PPO plans
Cigna provides well-publicized disciplinary standards. Which of the
following represents all the disciplinary actions that employees, contracted
agents, and subcontractors who do not comply with CMS and Cigna's
rules, regulations, policies and procedures may face? - ANSWER
, Verbal/written warnings, reprimands, suspensions, terminations, and
financial penalties.
What is the first step if the SDAC committee determines a violation is
founded? - ANSWER The agent will be required to undergo remediation.
Which of the following best describes the term "minimum necessary" in
reference to PHI? - ANSWER Use only the minimum PHI necessary to
conduct business.
Which of the following are goals of the Compliance department? -
ANSWER ALL OF THE ABOVE
Correct compliance problems promptly and effectively.
Reduce the potential for re-occurrence.
Ensure ongoing compliance.
Which of the following are examples of how to keep your technology
devices secure? - ANSWER BOTH
Secure your wireless connection before transmitting PHI wirelessly via the
internet.
Never share your login details with anyone
Kate, a broker sales agent, suspects a disclosure of a member's PHI and
decides to report her suspicion to the privacy officer. Turns out after
investigation that there really was no disclosure of PHI. Which of these
options appropriately describes her actions? - ANSWER She did the right
thing; reasonable suspicions of disclosure of PHI should be reported.
HIPAA rules apply to "business associates", in addition to health plans and
providers. Which of the following are included under "business
associates"? - ANSWER Employees and subcontractors such as
contracted sales agents and brokers.
Brandon, a sales agent completed the review of Cigna policies and
procedures and signed the attestation to comply last year. Will Brandon be
required to complete the review and attestation again this year? - ANSWER
All sales agents of Cigna are contractually obligated to review and abide by
the policies and procedures and sign an attestation yearly.
2024/2025 QUESTIONS AND VERIFIED CORRECT ANSWERS/
ALREADY GRADED A++
Cigna Medicare HMO plans - ANSWER Some of our HMO plans require a
referral.
Medicare sales agent - ANSWER Should rely on the 2025 Product &
Benefits Overview training for the most accurate plan information.
PPO plans customer profile - ANSWER Clara values network travel and
craves choice and flexibility.
Cigna Healthy Today card - ANSWER One flex card solution for Cigna
Medicare customers' to access multiple supplemental benefits.
Products and Benefits Overview training - ANSWER The benefit
information is pending CMS approval.
Cigna Healthy Today card - ANSWER One flex card solution for Cigna
Medicare customers' to access their value-based care provider.
Cigna Healthy Today card - ANSWER One flex card solution for Cigna
Medicare customers' to access transportation benefits.
Cigna Healthy Today card - ANSWER Multiple flex cards for Cigna
Medicare customers' to access dental benefits.
Products and Benefits Overview training - ANSWER You must use the plan
summary of benefits for the most accurate information.
Which of the following does Cigna Healthcare seek to improve of those we
serve? -ANSWER Both A and B
Which of the following is the goal of Cigna Medicare Advantage Incentives?
-ANSWER Improving our customers' overall health
Which PDP plan is designed for customers who are receiving Extra Help
and need basic protection? -ANSWER Secure Rx
,Which of the following customer profiles would best fit any of our PPO
plans? -ANSWER Clara, who values network travel and craves choice and
flexibility
Which of the following statements) is accurate about plans offered by Cigna
Healthcare to meet the needs of Medicare beneficiaries? -ANSWER Both A
and C
Which of the following should a Medicare sales agent rely on for the most
accurate plan information? -ANSWER Summary of Benefits
What is the Cigna Healthy Today card? -ANSWER One flex card solution
for Cigna Medicare customers to access multiple supplemental benefits
Which of our products offer choice, flexibility, open-access network, out of
network/travel access and no referrals? -ANSWER Our PPO plans
Which of the following is true about Cigna Medicare HMO plans? -
ANSWER Some HMO plans have referrals
Which of the following is true about Cigna Medicare PPO plans? -ANSWER
PCP selection is not required, but strongly encouraged
Which of the following customer profiles would best fit any of our PPO
plans? - ANSWER Clara, who values network travel and craves choice and
flexibility
Which of the following is true about Cigna Medicare PPO plans? -
ANSWER PCP selection is not required, but strongly encouraged
Which of the following is true about Cigna Medicare HMO plans? -
ANSWER Some HMO plans have referrals.
Which of the following is the goal of Cigna Medicare Advantage Incentives?
- ANSWER Improving our customers' overall health
Which of the following describes the Part D Senior Savings Model (SSM) -
ANSWER Helps Medicare beneficiaries save on insulin
,Which of the following should a Medicare sales agent rely on for the most
accurate plan information? - ANSWER Summary of Benefits
Which statement(s) describe the Cigna Dental Allowance? - ANSWER
Offers customers a discount if using a Cigna Dental Health provider.
Offers preventive and comprehensive from any licensed dentist except if on
exclusion and preclusion list.
Which of the following does Cigna seek to ensure in order to improve the
health, well-being, and peace of mind of those we serve? - ANSWER ALL
OF THESE
Making health care simple
Making health care affordable
Making health care predictable
Which PDP plan is designed for customers who are receiving Extra Help
and need basic protection? - ANSWER Secure Rx
Which description(s) are accurate about the Caregiver Support program? -
ANSWER BOTH
Provides a support system for our members and their caregivers through
resources available through a digital application used by the customer's
caregivers.
Provides a support system for our members and their caregivers through
resources available through 1:1 coaching
What is the Cigna Healthy Today card? - ANSWER One flex card solution
for Cigna Medicare customers' to access multiple supplemental benefits
Which of our products offer choice, flexibility, open-access network, out of
network/travel access and no referrals? - ANSWER PPO plans
Cigna provides well-publicized disciplinary standards. Which of the
following represents all the disciplinary actions that employees, contracted
agents, and subcontractors who do not comply with CMS and Cigna's
rules, regulations, policies and procedures may face? - ANSWER
, Verbal/written warnings, reprimands, suspensions, terminations, and
financial penalties.
What is the first step if the SDAC committee determines a violation is
founded? - ANSWER The agent will be required to undergo remediation.
Which of the following best describes the term "minimum necessary" in
reference to PHI? - ANSWER Use only the minimum PHI necessary to
conduct business.
Which of the following are goals of the Compliance department? -
ANSWER ALL OF THE ABOVE
Correct compliance problems promptly and effectively.
Reduce the potential for re-occurrence.
Ensure ongoing compliance.
Which of the following are examples of how to keep your technology
devices secure? - ANSWER BOTH
Secure your wireless connection before transmitting PHI wirelessly via the
internet.
Never share your login details with anyone
Kate, a broker sales agent, suspects a disclosure of a member's PHI and
decides to report her suspicion to the privacy officer. Turns out after
investigation that there really was no disclosure of PHI. Which of these
options appropriately describes her actions? - ANSWER She did the right
thing; reasonable suspicions of disclosure of PHI should be reported.
HIPAA rules apply to "business associates", in addition to health plans and
providers. Which of the following are included under "business
associates"? - ANSWER Employees and subcontractors such as
contracted sales agents and brokers.
Brandon, a sales agent completed the review of Cigna policies and
procedures and signed the attestation to comply last year. Will Brandon be
required to complete the review and attestation again this year? - ANSWER
All sales agents of Cigna are contractually obligated to review and abide by
the policies and procedures and sign an attestation yearly.
