ACA Basics And Script Training Quiz

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| By Monet

Monet

Community Contributor

Quizzes Created: 1 | Total Attempts: 46

Questions: 12 | Attempts: 46 | Updated: Jan 30, 2023

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Questions and Answers

1.

What is a Special Enrollment Period (SEP)?
2.

A prospect is concerned about providing information to you regarding their annual income. What would you say to client to ease their concern and to why you need this information from them?
3.

How did the creation of Patient Protection and the Affordable Care Act change health coverage in America?
- A.
  
  Required health insurers to accept all applicants regardless of health status.
- B.
  
  Insurers are no longer able to charge higher premiums based on pre-existing conditions.
- C.
  
  Attempted to make health insurance more affordable and higher in quality.
- D.
  
  All of the above
Correct Answer
D. All of the above

Explanation
You want to tell them what will meet their needs, not everything you know.

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4.

An agent, broker, or consumer discovers unauthorized changes were made to the consumer’s online application would be considered fraudulent activity.
- A.
  
  True
- B.
  
  False
Correct Answer
A. True

Explanation
You should try to explain the situation to the customer first. If they are unhappy with the resolution, start slowly. Offer only to credit a small portion of their shipping and go up from there if need be.

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5.

When is the annual Open Enrollment Period for Marketplace plans?
- A.
  
  January 1 - March 31
- B.
  
  November 15 - December 15
- C.
  
  November 1 - December 15
- D.
  
  October 15 - December 7
Correct Answer
C. November 1 - December 15

Explanation
feedback

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6.

If you were unable to answer a client/prospect question, query or problem what might you do?
- A.
  
  Tell them to come back later
- B.
  
  Make up an answer to get them off the phone
- C.
  
  Tell them you do not know the answer, but can research and update them
Correct Answer
C. Tell them you do not know the answer, but can research and update them

Explanation
If a client or prospect asks a question or presents a problem that you are unable to answer, it is important to be honest and transparent. Instead of making up an answer or telling them to come back later, the best approach is to admit that you do not know the answer but assure them that you will research the issue and provide them with an update. This shows professionalism, integrity, and a commitment to finding a solution for the client or prospect.

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7.

For how long after a qualifying life event is an SEP available?
- A.
  
  30 days
- B.
  
  90 days
- C.
  
  60 days
- D.
  
  45 days
Correct Answer
C. 60 days

Explanation
After a qualifying life event, an SEP (Special Enrollment Period) is available for 60 days. This means that individuals have a two-month window to enroll in a health insurance plan outside of the regular open enrollment period. During this time, they can take advantage of the SEP to make changes to their coverage or enroll in a new plan that better suits their needs. It is crucial to act within this 60-day period to ensure access to healthcare coverage.

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8.

Client/Prospect(s) Zip Code, Age or DOB, Spouse & Dependent Info, Tobacco Use, and Household Income are the only REQUIRED pieces of information to run a quote on HealthSherpa.
- A.
  
  True
- B.
  
  False
Correct Answer
A. True

Explanation
The given statement is true. To run a quote on HealthSherpa, the only required pieces of information are the client/prospect's zip code, age or date of birth, spouse and dependent information, tobacco use, and household income. Other details may be optional but these specific pieces of information are necessary for generating a quote.

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9.

(BLANK) is a discount that lowers the amount you have to pay for deductibles, copayments and coinsurance.
- A.
  
  Subsidy
- B.
  
  Federal poverty level (FPL)
- C.
  
  Marketplace
- D.
  
  Cost sharing responsibility (CSR)
Correct Answer
D. Cost sharing responsibility (CSR)

Explanation
Cost sharing responsibility (CSR) is a discount that lowers the amount an individual has to pay for deductibles, copayments, and coinsurance. This means that individuals who qualify for CSR will have reduced out-of-pocket costs when accessing healthcare services. Subsidy refers to financial assistance provided by the government to help individuals pay for health insurance. Federal poverty level (FPL) is a measure used to determine eligibility for certain healthcare programs and subsidies. The Marketplace is an online platform where individuals can compare and purchase health insurance plans.

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10.

What is NOT an example of an Essential Health Benefit?
- A.
  
  Hospitalization
- B.
  
  Prescription Drug Coverage
- C.
  
  Dental Care
- D.
  
  Preventative and Wellness Services
Correct Answer
C. Dental Care

Explanation
Dental care is not considered an Essential Health Benefit. While hospitalization, prescription drug coverage, and preventative and wellness services are all examples of Essential Health Benefits, dental care is not included in this category. Essential Health Benefits are a set of services that health insurance plans are required to cover under the Affordable Care Act, and dental care is typically offered as a separate coverage option.

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11.

In states that don’t implement Medicaid expansion, people between the state’s Medicaid ceiling (it varies by state) and 100% of the FPL are not eligible for Medicaid or the new tax credit.
- A.
  
  True
- B.
  
  False
Correct Answer
A. True

Explanation
In states that don't implement Medicaid expansion, individuals who fall between the state's Medicaid ceiling and 100% of the Federal Poverty Level (FPL) are not eligible for Medicaid or the new tax credit. This means that these individuals, despite being in a low-income bracket, do not have access to either Medicaid or the financial assistance provided through the tax credit.

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12.

What is NOT an example of an SEP
- A.
  
  Mary had a baby 45 days ago and wants to change her plan to add baby.
- B.
  
  Eddie's COBRA is ending at the end of January.
- C.
  
  Fred missed the open enrollment period because he was out of town, and now wants to elect coverage.
- D.
  
  Jenny and her husband divorced and she will no longer have coverage at the end of March.
Correct Answer
C. Fred missed the open enrollment period because he was out of town, and now wants to elect coverage.

ACA Basics And Script Training Quiz

What is a Special Enrollment Period (SEP)?

A prospect is concerned about providing information to you regarding their annual income. What would you say to client to ease their concern and to why you need this information from them?

How did the creation of Patient Protection and the Affordable Care Act change health coverage in America?

An agent, broker, or consumer discovers unauthorized changes were made to the consumer’s online application would be considered fraudulent activity.

When is the annual Open Enrollment Period for Marketplace plans?

If you were unable to answer a client/prospect question, query or problem what might you do?

For how long after a qualifying life event is an SEP available?

Client/Prospect(s) Zip Code, Age or DOB, Spouse & Dependent Info, Tobacco Use, and Household Income are the only REQUIRED pieces of information to run a quote on HealthSherpa.

(BLANK) is a discount that lowers the amount you have to pay for deductibles, copayments and coinsurance.

What is NOT an example of an Essential Health Benefit?

In states that don’t implement Medicaid expansion, people between the state’s Medicaid ceiling (it varies by state) and 100% of the FPL are not eligible for Medicaid or the new tax credit.

What is NOT an example of an SEP