UHC Ethics and Compliance Test (New, 2022-
2023) Download to Score A
Agent John is planning to conduct a series of events. Some will be strictly educational, others will be
formal presentations of specific UnitedHealthcare plans, and others will be informal marketing
events where he can generate leads and schedule future in-home marketing appointments. Of the
three types of events John plans to conduct, which need to be reported to UnitedHealthcare? –
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
consumer/member would not receive plan related correspondence intended for him/her.
Which election period runs from October 15 to December 7 and allows consumers to elect to join a
Medicare Advantage Plan or switch to a different plan? – Annual Election Period (AEP)
Dino, an agent, received a phone call on September 29 from a consumer interested in Medicare
Advantage plans for the new plan year. Dino proceeded to verify the consumer’s Medicare
eligibility, describe the costs and benefit coverage of the plan, and explained that he could not
accept an enrollment application until October 15. What did Dino do that was NOT compliant? –
Dino presented a plan prior to October 1.
Mr. and Mrs. Nelson, who are current members, unexpectedly walk into Jake’s insurance agency
office and ask him to discuss Medicare Advantage Plans. Does Jake need to obtain a Scope of
Appointment (SOA) form? – Yes, he needs to obtain an SOA from both Mr. and Mrs. Nelson.
Which describes the purpose of educational events? – Educational events provide objective
information about the Medicare program and/or health improvement and wellness.
How should agent Erin respond when consumer Mrs. Rose notices that the presented MA Plan has a
Star Rating of 2 stars? – Erin should tell Mrs. Rose that the plan has received a “Below Average”
rating.
Which of the following describes Permission to Contact guidelines? – It is method specific (e.g.,
telephone, email), short term (i.e., expires when contact is made), and event specific (i.e., limited to
the products identified).
Julie, a consumer, is having difficulty understanding the information her agent, Victor, is presenting
at her in-home appointment. She provides Victor with her cousin’s telephone number and email
address and asks him to explain the plan to her cousin, who frequently assists with her health care
decisions. The next day, Victor emails Julie’s cousin. Has Victor been compliant? – No. Victor violated
United Healthcare permission to contact guidelines by emailing the cousin without the cousin’s
permission
Which of the individuals below would not likely have the authority to enroll a consumer in a
Medicare Advantage Plan? – The consumer’s spouse, who is neither a Power of Attorney nor legal
guardian.
In which of the following situations can telephonic contact be made with a Medicare eligible
consumer? – When the consumer consented to be contacted for sales activities, subsequent
telephonic contact has not yet occurred, and the permission has not yet expired.
Agent Jacob learns that Emily, the consumer with whom he is meeting, is the authorized legal
representative for her father. What must Jacob explain to Emily when completing an Enrollment
Application for her father? – Jacob must explain that Emily will sign the Enrollment Application and
must be able to provide documentation upon request by the Plan that indicates her legal authority
to enroll her father.
Which of the following must you not do when marketing UnitedHealthcare Medicare Advantage or
Prescription Drug Plans to consumers? – Provide only those items from the plan’s Enrollment Guide
that are most relevant to the consumer’s situation.
An agent should only enroll a consumer in a product: – That is suitable for the consumer’s needs,
goals and financial resources.
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