1|Page
CPP FINAL EXAM AND PRACTICE EXAM QUESTIONS 2025
/2026 BANK QUESTIONS WITH DETAILED ANSWERS WITH
STUDY GUIDE EXPERT VERIFIED FOR GUARANTEED
PASS/ALREADY GRADED A+
Mr. Davies is turning 65 next month. He would like to enroll in a
Medicare health plan, but does not want to be limited in terms of
where he obtains his care. What should you tell him about how a
Medicare Cost Plan might fit his needs? - ANSWERS--a. Cost plan
enrollees can choose to receive Medicare covered services under the
plan's benefits by going to plan network providers and paying plan cost
sharing, or may receive services from non-network providers and pay
cost-sharing due under Original Medicare.
b. Ms. Lopez is considered a marketing representative of BestCare and
thus is obligated to comply with CMS marketing requirements,
including those regarding using only approved call scripts. - ANSWERS--
Ms. Lopez is an independent agent under contract with MarketCo, a
third-party marketing organization. MarketCo has a contract with
BestCare health plan, a Medicare Advantage (MA) organization, to offer
marketing services through its contracted agents and agencies. Ms.
Lopez returns calls to individuals who contact MarketCo in response to
its mailers promoting BestCare health plan. Which of the following best
describes the responsibilities of Ms. Lopez?
,2|Page
a. Ms. Lopez is considered a marketing representative of BestCare but is
exempt from the marketing rules regarding approved call scripts
because she works directly for MarketCo.
b. Ms. Lopez is considered a marketing representative of BestCare and
thus is obligated to comply with CMS marketing requirements,
including those regarding using only approved call scripts.
c. Ms. Lopez no longer needs to be concerned about state licensure
since she is marketing an MA product subject to federal rules.
d. Ms. Lopez needs to maintain state licensure, but because she is
working for a third-party marketing organization she is exempt from
CMS training requirements that apply to BestCare captive agents.
Mr. Edwards, a marketing representative of the ACME Insurance
Company, scheduled a marketing event and expects about 40 people to
attend. He has hired a magician at a cost of $200 to entertain
attendees. Can he do this in a way that complies with guidance from
the Medicare agency? - ANSWERS--a. He can do this because the
estimated number of attendees is based on the venue size and
response rate and the value of the gift does not exceed $15.
Mrs. Ramos is considering a Medicare Advantage PPO and has
questions about which providers she can go to for her health care.
What should you tell her? - ANSWERS--b. Mrs. Ramos can obtain care
from any provider who participates in Original Medicare, but generally
,3|Page
will have a higher cost-sharing amount if she sees a provider who/that
is not a part of the PPO network.
Julia Harris is turning 66 in July, at which time she will retire. She has
contacted your office and requested a meeting so that she can learn
about Medicare and the products you represent. How should you
respond? - ANSWERS--c. Tell Julia that you will meet with her to explain
Medicare and should she be interested you can accept and submit an
enrollment request, since this is an initial enrollment qualifying her for
a special enrollment period.
Mr. Rivera has Qualified Medicare Beneficiary (QMB) eligibility and is
thus covered by both Medicare and Medicaid. He decides to enroll in a
Medicare Advantage (MA) PPO plan. Later he sees an out-of-network
doctor to receive a Medicare covered service. How much The doctor
may only collect from Mr. Rivera the cost sharing allowable under the
state's Medicaid program.may the doctor collect from Mr. Rivera? -
ANSWERS--The doctor may only collect from Mr. Rivera the cost
sharing allowable under the state's Medicaid program.
During a sales presentation in Ms. Sullivan's home, she tells you that
she has heard about a type of Medicare health plan known as Private
Fee-for-Service (PFFS). She wants to know if this would be available to
her. What should you tell her about PFFS plans? - ANSWERS--
Choose one answer. - ANSWERS--
, 4|Page
- ANSWERS--a. A PFFS plan is a type of Medicare Supplement plan and
she may enroll in one if it is available in her area.
- ANSWERS--b. A PFFS plan is exactly the same as Original Medicare,
only offered by a private entity and she may enroll in one if it is
available in her area.
- ANSWERS--c. PFFS plans are designed to cover only prescription drugs
and if that is the type of coverage she wants, she may enroll in one if it
is available in her area.
- ANSWERS--d. A PFFS plan is one of the various types of Medicare
Advantage plans offered by private entities and she may enroll in one if
it is available in her area.
Question8 - ANSWERS--
Marks: 1 - ANSWERS--
During an appointment scheduled to discuss a Medicare Advantage
Prescription Drug plan (MA-PD), Mr. Peters asked his agent to describe
a stand-alone prescription drug plan (Part D plan) that his neighbor told
him about. What should his agent do? - ANSWERS--
Choose one answer. - ANSWERS--
CPP FINAL EXAM AND PRACTICE EXAM QUESTIONS 2025
/2026 BANK QUESTIONS WITH DETAILED ANSWERS WITH
STUDY GUIDE EXPERT VERIFIED FOR GUARANTEED
PASS/ALREADY GRADED A+
Mr. Davies is turning 65 next month. He would like to enroll in a
Medicare health plan, but does not want to be limited in terms of
where he obtains his care. What should you tell him about how a
Medicare Cost Plan might fit his needs? - ANSWERS--a. Cost plan
enrollees can choose to receive Medicare covered services under the
plan's benefits by going to plan network providers and paying plan cost
sharing, or may receive services from non-network providers and pay
cost-sharing due under Original Medicare.
b. Ms. Lopez is considered a marketing representative of BestCare and
thus is obligated to comply with CMS marketing requirements,
including those regarding using only approved call scripts. - ANSWERS--
Ms. Lopez is an independent agent under contract with MarketCo, a
third-party marketing organization. MarketCo has a contract with
BestCare health plan, a Medicare Advantage (MA) organization, to offer
marketing services through its contracted agents and agencies. Ms.
Lopez returns calls to individuals who contact MarketCo in response to
its mailers promoting BestCare health plan. Which of the following best
describes the responsibilities of Ms. Lopez?
,2|Page
a. Ms. Lopez is considered a marketing representative of BestCare but is
exempt from the marketing rules regarding approved call scripts
because she works directly for MarketCo.
b. Ms. Lopez is considered a marketing representative of BestCare and
thus is obligated to comply with CMS marketing requirements,
including those regarding using only approved call scripts.
c. Ms. Lopez no longer needs to be concerned about state licensure
since she is marketing an MA product subject to federal rules.
d. Ms. Lopez needs to maintain state licensure, but because she is
working for a third-party marketing organization she is exempt from
CMS training requirements that apply to BestCare captive agents.
Mr. Edwards, a marketing representative of the ACME Insurance
Company, scheduled a marketing event and expects about 40 people to
attend. He has hired a magician at a cost of $200 to entertain
attendees. Can he do this in a way that complies with guidance from
the Medicare agency? - ANSWERS--a. He can do this because the
estimated number of attendees is based on the venue size and
response rate and the value of the gift does not exceed $15.
Mrs. Ramos is considering a Medicare Advantage PPO and has
questions about which providers she can go to for her health care.
What should you tell her? - ANSWERS--b. Mrs. Ramos can obtain care
from any provider who participates in Original Medicare, but generally
,3|Page
will have a higher cost-sharing amount if she sees a provider who/that
is not a part of the PPO network.
Julia Harris is turning 66 in July, at which time she will retire. She has
contacted your office and requested a meeting so that she can learn
about Medicare and the products you represent. How should you
respond? - ANSWERS--c. Tell Julia that you will meet with her to explain
Medicare and should she be interested you can accept and submit an
enrollment request, since this is an initial enrollment qualifying her for
a special enrollment period.
Mr. Rivera has Qualified Medicare Beneficiary (QMB) eligibility and is
thus covered by both Medicare and Medicaid. He decides to enroll in a
Medicare Advantage (MA) PPO plan. Later he sees an out-of-network
doctor to receive a Medicare covered service. How much The doctor
may only collect from Mr. Rivera the cost sharing allowable under the
state's Medicaid program.may the doctor collect from Mr. Rivera? -
ANSWERS--The doctor may only collect from Mr. Rivera the cost
sharing allowable under the state's Medicaid program.
During a sales presentation in Ms. Sullivan's home, she tells you that
she has heard about a type of Medicare health plan known as Private
Fee-for-Service (PFFS). She wants to know if this would be available to
her. What should you tell her about PFFS plans? - ANSWERS--
Choose one answer. - ANSWERS--
, 4|Page
- ANSWERS--a. A PFFS plan is a type of Medicare Supplement plan and
she may enroll in one if it is available in her area.
- ANSWERS--b. A PFFS plan is exactly the same as Original Medicare,
only offered by a private entity and she may enroll in one if it is
available in her area.
- ANSWERS--c. PFFS plans are designed to cover only prescription drugs
and if that is the type of coverage she wants, she may enroll in one if it
is available in her area.
- ANSWERS--d. A PFFS plan is one of the various types of Medicare
Advantage plans offered by private entities and she may enroll in one if
it is available in her area.
Question8 - ANSWERS--
Marks: 1 - ANSWERS--
During an appointment scheduled to discuss a Medicare Advantage
Prescription Drug plan (MA-PD), Mr. Peters asked his agent to describe
a stand-alone prescription drug plan (Part D plan) that his neighbor told
him about. What should his agent do? - ANSWERS--
Choose one answer. - ANSWERS--
