IBM Recertification - Ba Richardson

25 Questions | Total Attempts: 1138

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IBM Recertification - Ba Richardson

Using IBM Client Guide please answer each question.


Questions and Answers
  • 1. 
    We should always collect at least the Primary Care Physician and enter it in the SSC for all IBM retirees and their spouses.
    • A. 

      True

    • B. 

      False

  • 2. 
    Regarding Primary Care Physicians and Specialists, if you recommend a Medicare Advantage plan to a retiree, what is mandatory prior to proceeding with the enrollment?
    • A. 

      Tell the retiree to check with their doctor to see if they accept the plan

    • B. 

      Verify that the PCP and Specialists are accepted by the plan via the carrier’s physician finder tool online or by calling the doctor’s office directly.

    • C. 

      Let the retiree know that the plan will most-likely accept their doctors because it’s a PPO

  • 3. 
    What are the HRA eligibility requirements for people in the “Non-FHA, Losing Group Medical and Rx Coverage” segment?
    • A. 

      They have an HRA exception, they just have to call Extend

    • B. 

      They must buy a medical plan to qualify

    • C. 

      They must buy a medical or PDP plan to qualify

  • 4. 
    What are the HRA eligibility requirements for people in the “Non-FHA, No Current Medical Coverage, Losing Group Rx Coverage” segment?
    • A. 

      They have an HRA exception, they just have to call Extend

    • B. 

      They must buy a medical plan to qualify

    • C. 

      They must buy a medical or PDP plan to qualify

  • 5. 
    What are the HRA eligibility requirements for people in the “FHA, Kaiser, Losing Group Medical and Rx Coverage” segment?
    • A. 

      They must contact Extend Health to qualify for funding

    • B. 

      They must buy a medical plan to qualify

    • C. 

      They must buy a medical and/or drug plan to qualify

  • 6. 
    If you speak with a retiree in one of the “Kaiser” segments and they want to keep Kaiser, what is the process?
    • A. 

      We let the retiree know they can enroll in an individual Kaiser plan and still receive their HRA dollars. We find the Kaiser phone number found in the Client Guide and let the retiree know they can call Kaiser directly to enroll. We will disposition in the SSC “Called to activate HRA” and they will be qualified for HRA funding.

    • B. 

      They can’t keep Kaiser because it is not on our exchange. They must buy a medical or PDP that is on our exchange in order to qualify for funding.

  • 7. 
    If you speak with a retiree in one of the “Kaiser” segments and they want to keep Kaiser, can they enroll in a dental or vision plan on Extend Health’s exchange and use their HRA dollars to pay for it?
    • A. 

      Yes. Retirees in the “Kaiser” segments that want to keep Kaiser have an HRA exception. They can enroll directly with Kaiser which gives them access to their HRA funding to do what they want with it. That includes using the funds to pay for dental and/or vision on our exchange.

    • B. 

      No. Retirees must purchase a medical or PDP on our exchange if they want to use their HRA funding to pay for dental and/or vision.

  • 8. 
    What is a FHA?
    • A. 

      Future Health Account

    • B. 

      An interest earning account that some IBM retirees have set up to pay for their current group premiums

    • C. 

      An account Fidelity administers

    • D. 

      This account becomes a lump-sum HRA when the retiree meets the eligibility requirement through Extend Health’s exchange.

    • E. 

      All of the above

  • 9. 
    IBM is giving retirees two HRA options.  What are they?
    • A. 

      Retirees can choose a higher HRA amount that would waive any spousal survivor benefits, or they can elect survivor coverage which will lower their HRA amount but

    • B. 

      They can opt to have their HRA put in a joint or separate account

  • 10. 
    Why would a retiree opt for the higher HRA amount?
    • A. 

      To be mean-spirited to their spouse

    • B. 

      If a retiree is divorced or they are single, it may be beneficial to waive the survivor benefit in exchange for a higher HRA amount

  • 11. 
    Why would they opt for the lesser HRA amount?
    • A. 

      Because financially they just don’t need the money

    • B. 

      Taking the lower amount will insure that their spouse receives 50% of the HRA upon the retiree’s passing

  • 12. 
    How will IBM retirees elect which HRA they would like?
    • A. 

      They will call Extend Health and we will capture what election they have decided

    • B. 

      They will receive a letter from Budco in November that contains an election form that the retirees will need to fill out and send back to Budco

    • C. 

      They will call Fidelity to capture their election

  • 13. 
    What is the deadline for returning the Budco HRA election form?
    • A. 

      Dec 7, 2013

    • B. 

      Dec 31, 2013

    • C. 

      Dec 15, 2013. With a grace period of Jan 15, 2014.

  • 14. 
    If retirees do not make an election, what will happen to their HRA?
    • A. 

      They will lose it

    • B. 

      They will default to the higher amount without the surviving spousal benefit

    • C. 

      They will default to the lower amount with the surviving spousal benefit

  • 15. 
    True or False:  If a retiree is in a special situation and they feel like they need some sort of exception allowed so they can access their HRA funding, we should transfer those calls to the Fidelity Service Center or to IBM directly and they will review it.
    • A. 

      True – Fidelity and IBM want to receive these calls so they can log and review them

    • B. 

      False – Fidelity and IBM do not make one-off exceptions for retirees. We should NOT transfer these calls

  • 16. 
    True or False:  If a retiree already has an individual MAPD plan that they want to keep, we can simply re-enroll them into the same plan on our exchange.
    • A. 

      True – This is acceptable practice and will give retirees access to their HRA.

    • B. 

      False – This is a violation. We will not become the agent of record on these enrollments and they will not qualify for funding.

  • 17. 
    True or False:  If and when you have to transfer a retiree, you should always leave a note in the SSC explaining the reason for the transfer?
    • A. 

      True – we must document a reason for every transfer. We never want to transfer anyone more than necessary.

    • B. 

      False – they system will indicate the transfer reason.

  • 18. 
    True or False:  We should never pressure anyone to enroll if they aren’t 100% ready
    • A. 

      True – Pressuring retirees to enroll is a violation. We should not enroll retirees if they don’t feel comfortable with the plans we are recommending.

    • B. 

      False – We need to complete enrollments regardless of how comfortable retirees are with the plans we recommend.

  • 19. 
    Retirees do not like the redundancy of the application process.  We should set proper expectations with each retiree prior to transferring them to an ADP.  We should…
    • A. 

      Let retiree know the application process will require that they answer the same question multiple times

    • B. 

      We must follow this process due to our carrier’s regulations

    • C. 

      The process can be time consuming

    • D. 

      Read the new script provided on 10/29/2013 to set proper expectations

    • E. 

      All of the above

  • 20. 
    IBM has approximately 500 retirees that live internationally.  What is important to know about this group?
    • A. 

      They are spread across all IBM segments

    • B. 

      They only have to call us to qualify for funding

    • C. 

      We have a resource on the Client Guide for IBM that gives information on where these retirees can go to find coverage that will work for them in whatever part of the world they live in. We should use this resource to refer them to where they can go.

    • D. 

      All of the above.

  • 21. 
    IBM retirees have access to a catastrophic coverage benefit for retirees with extremely high drug costs.  What is important to know about this benefit?
    • A. 

      IBM has set aside an annual $1 Million pool of funds – paid out on a first come first serve basis.

    • B. 

      Retiree is eligible for the benefit once $100,000 in total drug costs has been reached.

    • C. 

      Participants will be reimbursed for all drug expenses above $100,000 on a first-come, first-served basis until the $1,000,000 pool has been depleted.

    • D. 

      If a retiree is identified as possibly qualifying for this benefit, they need to be made aware of it.

    • E. 

      All of the above

  • 22. 
    True or False:  IBM is now allowing retirees who have Tricare or VA benefits to have an HRA exception.
    • A. 

      True – As of Friday Nov 8th, IBM will grant these retiree an HRA exception. Meaning if they have VA or Tricare, they only have to contact us to qualify for their funding.

    • B. 

      False – This is still not an HRA exception for IBM retirees.

  • 23. 
    If you are asked a question and you aren’t 100% sure about the answer, you should…
    • A. 

      Ask InfoSource –Do not give out incorrect information

    • B. 

      Ask InfoSource – If you aren’t sure, don’t make it up

    • C. 

      Ask InfoSource - They will help you follow the right process

    • D. 

      All of the above

  • 24. 
    True or False:  Retirees in the Aetna Side-by-Side segment must enroll through Extend Health.
    • A. 

      True – Retirees in this segment are required to enroll through Extend Health

    • B. 

      False – Retirees in this segment have the option to stay on the group plan through IBM or enroll through Extend Health

  • 25. 
    True or False:  If a retiree in the Aetna Side-by-Side segment enrolls through Extend Health, their dependents must also enroll through Extend Health.
    • A. 

      True – If the retiree enrolls through Extend Health, the dependent must also enroll through Extend Health

    • B. 

      False – The retiree can enroll through Extend Health and the dependent can remain on the Aetna group plan

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