2014 - Qm - Final 1

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1. BenefitsFill in the Blank:Medigap Plan N-Covers 100% of Part B coinsurance after you meet your yearly Part ____ deductible ($147.00 for 2014). You have to pay an additional copayment of up to $20 for some office visits and up to $50 for ER visits.

Explanation

Medigap Plan N covers 100% of Part B coinsurance after you meet your yearly Part B deductible. This means that once you have paid the deductible amount ($147.00 for 2014), the plan will cover the remaining coinsurance costs for Part B services. However, for some office visits, you may still have to pay a copayment of up to $20, and for emergency room visits, you may have to pay a copayment of up to $50. Therefore, the correct answer is B, indicating that the deductible that needs to be met is Part B.

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About This Quiz
2014 - Qm - Final 1 - Quiz

The 2014 - QM - Final 1 quiz assesses knowledge on proper scripting and disclaimer protocols in customer interactions, focusing on adherence to quality management standards. It evaluates understanding of legal compliance and customer communication.

2. Medigap, page 2 and beyondIf the ADP has to clarify a question on page 4 for the customer and then does not re-state the question, which carrier would that be acceptable for?

Explanation

If the ADP has to clarify a question on page 4 for the customer and then does not re-state the question, it would be acceptable for Carefirst BlueCross BlueShield of Maryland.

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3. Sales callsAdjusting the words in the MIR is acceptable as long as it does not change the meaning. 

Explanation

Adjusting the words in the MIR (Message Impact Ratio) is acceptable as long as it does not change the meaning. This means that salespeople can modify their sales calls to better suit their audience or to emphasize certain points, as long as the overall message remains the same. This allows for flexibility in communication and tailoring the sales pitch to individual customers without compromising the core message.

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4. BA Prohibited PracticesIf the BA states that the customer's HICN is the same as their social security number with a letter, would this be marked as a Prohibited Practice?

Explanation

If the BA states that the customer's HICN (Health Insurance Claim Number) is the same as their social security number with a letter, it would be marked as a Prohibited Practice. This is because disclosing or using a social security number in conjunction with other identifiers is considered a prohibited practice under HIPAA regulations.

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5. BA Prohibited PracticesThe BA and the customer do not have a good phone connection so the customer asks the BA to email some information on the plan they are discussing. The BA copies the plan information from the Summary of Benefits and sends it to the customer. Is this a Prohibited Practice?

Explanation

Yes, this is a prohibited practice. The BA is copying and sending plan information from the Summary of Benefits to the customer via email. This violates the rules and regulations set by the organization, as it is not allowed to transmit sensitive information through insecure channels like email. The BA should have found an alternative method to communicate the plan information securely, such as using a secure messaging platform or arranging a face-to-face meeting.

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6. Secure the CallMRS is discussing plan options with a BA. Another female asks a question about the Coverage Gap. The BA answers her question without asking who she is or asking the customer if she consents to have this person on the line listening to her enrollment options. Would QM score Secure the Call as Non-Compliant?

Explanation

The correct answer is no because although the BA did not explicitly ask for consent, it can be considered as implied consent. However, the QM would still advise the BA to ask the customer if they would like the person added as a HIPAA representative.

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7. ADP Prohibited PracticesIs the following scenario a Prohibited Practice and if so, which Prohibited Practice would you use:The ADP told the customer that he works for the Centers of Medicare and Medicaid Services.

Explanation

The statement in the scenario where the ADP tells the customer that he works for the Centers of Medicare and Medicaid Services would be considered a Prohibited Practice. This is because the ADP is misrepresenting themselves as an agent of Medicare, Social Security, or any agency of the federal government.

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8. BenefitsWhat additional benefits must be read if the customer resides in a nursing home?

Explanation

not-available-via-ai

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9. Closing Script and Contact InformationWhen is it acceptable for the BA/ADP to not read the closing script?

Explanation

The BA/ADP is only allowed to not read the closing script after completing a Medigap application if they will also be completing a PDP application and reading the closing script after the PDP. This means that if they are going to complete both applications and read the closing script after the PDP, they do not need to read the closing script after completing the Medigap application.

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10. BenefitsThe ADP must read additional benefits from the Full Summary of Benefits on a HMO-POS plan. What are those benefits?

Explanation

not-available-via-ai

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11. Application, page 1The customer said their date of birth is 5/31/36. The ADP asked the customer to restate the date of birth but give a four digit year. Which statement is most accurate?

Explanation

The ADP will not lose points if they do not ask for the four digit year because the customer's date of birth is already provided as 5/31/36. Although it is standard practice to ask for a four digit year, it is not mandatory in this case as the customer has already stated their date of birth. Therefore, not asking for the four digit year will not result in any penalty or loss of points.

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12. BA Prohibited PracticesIs the following statement a Prohibited Practice and if so, which Prohibited Practice would you use: The Medicare Annual Enrollment Period is from October 7th to December 15th every year.

Explanation

The statement provided does not mislead, confuse, or misrepresent to potential members about Medicare or competitive plans. It simply states the correct information about the Medicare Annual Enrollment Period. Therefore, it would not be considered a Prohibited Practice.

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13. BA Prohibited PracticesIs the following statement a Prohibited Practice and if so, which Prohibited Practice would you use: The Plan F is the cream of the crop. 

Explanation

The given statement, "The Plan F is the cream of the crop," would be considered a Prohibited Practice. This is because it uses an absolute superlative, asserting that Plan F is the best plan. Prohibited Practices include making statements that claim a certain plan is the best or lowest cost, which this statement does.

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14. Medigap, page 2 and beyond"Do you intend to replace your current healthcare coverage with this Medicare Supplement policy?"This question is always marked No on each application for every carrier.

Explanation

The statement "This question is always marked No on each application for every carrier" is false. The question is asking whether the individual intends to replace their current healthcare coverage with the Medicare Supplement policy. The answer to this question may vary depending on the individual's circumstances and preferences. Some individuals may choose to replace their current coverage, while others may not. Therefore, the answer to this question is not always marked as "No" on every application for every carrier.

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15. Medigap, page 2 and beyondQM will score line item 41 as a Major if the BA skips the following questions on a guaranteed issue application: Current Age, Height, Weight, BMI.

Explanation

The statement is false because according to the given information, if the BA skips the questions about Current Age, Height, Weight, and BMI on a guaranteed issue application, the QM will score line item 41 as a Major. Therefore, the correct answer should be True, not False.

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16. Red FlagIs this scenario a Red Flag Situation and if so, which Red Flag would you use on the form?The customer is NOT losing group coverage and has called on December 8th to complete an enrollment into a different drug plan for 2015. The BA submitted an application for the customer thinking that the carrier would accept it because it was only 1 day after the annual enrollment period ended.

Explanation

The correct answer is "Doing an enrollment when there is not an applicable enrollment period." This is because the customer called on December 8th to complete an enrollment into a different drug plan for 2015, which is outside the annual enrollment period. Therefore, the enrollment should not have been processed as there was not an applicable enrollment period for the customer to make changes to their plan.

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17. BenefitsIf the ADP read the entire portion from the HMO-POS section, would QM score them down?

Explanation

The correct answer is "No. As long as they read them all accurately." This answer states that the ADP should not be marked down as long as they read all the benefits accurately. It implies that reading more than the required four benefits from the HMO-POS section does not result in a lower QM score.

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18. Voice Signature, Confirmation NumberWhat are the three parts of the voice signature that the customer must state for it to be valid?Check all that apply. 

Explanation

The three parts of the voice signature that the customer must state for it to be valid are the Full Name, Today's date, and They agree. The Plan Name, Premium, and Effective Date are not necessary components of the voice signature.

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19. Closing Script, Contact Information When providing the customer with our contact information, the customer stated that they do not need the TTY number before the BA could provide it. How would this be graded (provided all other information was given correctly)?

Explanation

The customer's statement that they do not need the TTY number before it was provided indicates that the BA successfully anticipated and addressed the customer's needs. This demonstrates effective communication and customer service skills, resulting in a positive interaction. Therefore, the answer "Yes" is correct.

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20. BA Prohibited PracticesIs the following statement a Prohibited Practice and if so, which Prohibited Practice would you use:"The Plan N has no deductibles"

Explanation

The statement "The Plan N has no deductibles" would be considered a Prohibited Practice because it conflicts with the information contained within CMS-approved materials. It is misquoting the plan benefits by stating that there are no deductibles when there actually might be.

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21. Medigap, page 2 and beyondIf the question regarding how the customer would prefer to pay the premiums is asked twice on a Medigap application, the ADP/BA may skip it the second time it appears.

Explanation

If the question regarding how the customer would prefer to pay the premiums is asked twice on a Medigap application, the ADP/BA may skip it the second time it appears. This means that if the question is repeated, the ADP/BA has the option to not ask it again.

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22. Closing Script, Contact InformationThe BA/ADP must read the closing script to each customer individually when completing a joint application.

Explanation

The given statement is false. The BA/ADP does not need to read the closing script to each customer individually when completing a joint application.

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23. Medigap, page 2 and beyondIf the ADP does not ask for the AARP membership number on the first page, QM scores Major on number 41 because there is no line item for this question for the AARP membership field. 

Explanation

The explanation for the answer being False is that the statement in the question suggests that if the ADP (presumably a form or document) does not ask for the AARP membership number on the first page, then the QM (quality management) scores Major on question number 41. However, this does not necessarily mean that the answer is False. It is possible that the QM scores Major on question number 41 in this scenario, making the statement True. Therefore, the given answer is not a correct explanation for the answer being False.

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24. Red FlagThe customer must be enrolled in a Medical plan through One Exchange to qualify for his funding.The customer tells the BA that he wants the same individual Medicare Advantage plan he currently has, so the BA enrolled him in the exact same plan. Which Red Flag would you use?

Explanation

The BA made a mistake by enrolling the customer in the exact same plan that he already has. This is a red flag because it suggests that the BA did not properly assess the customer's needs or provide appropriate guidance. The customer's request does not justify enrolling him in the same plan, as the customer must be enrolled in a Medical plan through One Exchange to qualify for funding.

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25. Sales callsThe customer called and discussed plan options with the BA on Monday. The customer needed more time to decide on a selection and called back on Friday and spoke with the same BA. Would the BA need to read the MIR prior to quoting even if it was read on the initial call?

Explanation

The BA would need to read the MIR prior to quoting even if it was read on the initial call because the customer called back on a different day. It is important for the BA to refresh their memory and ensure they have the most up-to-date information before providing a quote to the customer.

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26. Sales CallsThe BA read the Medical Information Release after giving two Medigap premiums but did not discuss any plan benefits. Would this be Non-Compliant?

Explanation

The BA's failure to discuss any plan benefits during the sales calls after providing two Medigap premiums indicates non-compliance. It is essential for the BA to inform and discuss the plan benefits with the customers to ensure transparency and compliance with regulations. By not doing so, the BA is not fulfilling their responsibilities and may be violating compliance standards.

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27. Disclaimer, Disclaimer ScriptingIf the call disconnects during the legal disclaimer, is it acceptable for the BA to call the customer back to finish it?

Explanation

All aspects of an enrollment must be completed on an inbound call

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28. Closing Script, Contact Information   Who is eligible to receive the closing script information on their own? (Select all that apply)

Explanation

The closing script information can be received by both the Power of Attorney (POA) and the customer themselves. The authorized representative and HIPAA are not mentioned in the question as eligible recipients of the closing script information.

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29. Sales CallsIf an LBS is brought on the line by an ADP and the LBS puts a new plan in the cart, does the LBS have to read the intent to enroll scripting before dropping off the call?

Explanation

The LBS is required to read the intent to enroll scripting before dropping off the call when a new plan is added to the cart. This ensures that the customer is fully informed about the plan and its details before making a decision.

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30. Opening Script  How would you grade the following statement and why? "My name is Fi Schneider, today is Friday July 11th. This call will be recorded. Do I have your permission to record this conversation to confirm your enrollment?"

Explanation

The correct answer is "Minor- The BA/ADP did not read the statement verbatim (the year was not stated)". This is because the statement mentioned the day and month but did not include the year, which is part of reading the statement verbatim.

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31. Sales CallsWhich version of the MIR would not cause the call to be Non-Compliant?The correct statement reads:'As we proceed, you are not required to answer any health or prescription related questions. If you do, your answers will not affect your eligibility to enroll in a Medicare plan. Okay?'

Explanation

The correct answer is the one that clearly states that the individual is not required to answer any health or prescription related questions, and that their answers will not affect their eligibility to enroll in a Medicare plan. This statement ensures that the call is compliant because it does not put any pressure on the individual to answer the questions and does not imply that their eligibility will be affected by their answers.

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32. ADP Prohibited PracticesIs the following statement a Prohibited Practice and if so, which Prohibited Practice would you use:"Humana is a better company than Health Net. You should have chosen Humana."

Explanation

The given statement "Humana is a better company than Health Net. You should have chosen Humana" falls under the category of recommending, advising, or urging a potential insurance customer or a current policyholder to choose one insurance carrier over another. This is considered a prohibited practice because it involves promoting one company over another, which may be misleading or unfair to the customers.

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33. Secure the CallDuring the sales portion of the call, the line disconnects. The customer calls back within 2 minutes and is routed to the same BA.The BA does not have to secure the call if the customer calls right back and is routed to the same BA. 

Explanation

The BA does have to secure the call even if the customer calls back within 2 minutes and is routed to the same BA.

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34. Application, page 1The customer's name is William George Johnson. On the application, he stated his first name as 'George' and on the application it appears as 'William'. What will QM do for number 28?

Explanation

The correct answer is to check with a supervisor before scoring it down. This is because there is a discrepancy between the customer's stated first name and the name that appears on the application. To ensure accuracy and avoid making a mistake, it is important to consult a supervisor for guidance before taking any action.

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35. Secure the CallThe BA put plans in the cart for the customer and transferred to an ADP to complete the applications. The ADP secured the customer's record and completed his applications. Did the ADP need to secure the customer's account?

Explanation

The ADP did not need to secure the customer's account because the question states that the ADP "secured the customer's record," indicating that the customer's information was already protected. Additionally, the ADP completed the customer's applications, suggesting that they had access to the necessary information without needing to secure the account further.

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36. BenefitsBA's are allowed to skip benefits for a Plan F, but ADPs are not.

Explanation

This statement is false. Both BenefitsBA's and ADPs are allowed to skip benefits for a Plan F.

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37. Sales CallsThe customer told the BA they were very helpful and answered all of their questions. Would the BA still need to ask if the customer had additional questions prior to transferring to an ADP?

Explanation

The customer already mentioned that they had all their questions answered and found the BA to be helpful. Therefore, it can be inferred that the customer does not have any additional questions. Hence, the BA does not need to ask if the customer has additional questions before transferring to an ADP.

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38. BenefitsADP/BA is completing a Medigap Plan N. What benefits are they required to read?

Explanation

The correct answer is "Medical Expenses-Covers 100% of Part B coinsurance after you meet your yearly Part B deductible ($147.00 for 2014). You have to pay an additional copayment of up to $20 for some office visits and up to $50 for ER visits." This is the correct answer because it accurately describes the specific benefits related to medical expenses that are required to be read for a Medigap Plan N. It mentions the coverage for Part B coinsurance, the yearly deductible, and the additional copayments for office visits and ER visits.

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39. Opening ScriptThe BA/ADP asks for permission to record the conversation on a joint application- Mr. Wayne says "Yes you do.", however Mrs. Wayne says nothing. How should this be graded?

Explanation

The correct answer is "Minor- The ADP/BA did not obtain consent to record the call." This is because Mrs. Wayne did not provide explicit consent to record the conversation, which is a requirement. Even though Mr. Wayne said "Yes you do," it does not cover both parties and therefore the ADP/BA did not obtain proper consent.

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40. Secure the CallThe HIPAA secures the call. The customer joins the call 30 minutes later. Would the customer need to secure his/her record?

Explanation

The answer is No because the HIPAA (Health Insurance Portability and Accountability Act) already secures the call. Since the record was already secured by the HIPAA, the customer does not need to secure it again when they join the call. The HIPAA ensures the privacy and security of health information, so once it has been secured, there is no need for additional measures from the customer.

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41. Opening ScriptIf the POA started the application (The customer was not on the line during the Opening Script) and the customer completes it by giving their voice signature after the disclaimer, what line items on the QM form should be marked down? 

Explanation

If the POA started the application and the customer completes it by giving their voice signature after the disclaimer, only line items 3-10 on the QM form should be marked down. This means that the customer provided their voice signature and completed the necessary steps from line 3 to line 10. The other options, 6-10 only, 9 only, and 53 only, do not accurately reflect the scenario described. The final option, "We would only coach this," suggests that coaching would be provided in this situation, but it does not specify which line items should be marked down on the QM form.

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42. Disclaimer, Disclaimer ScriptingThe HIPAA can listen to the disclaimer without the customer on the line as long as the customer is back to give their voice signature. 

Explanation

The given statement is false. According to HIPAA regulations, the customer must be on the line and give their voice signature for the disclaimer to be recorded. The HIPAA cannot listen to the disclaimer without the customer present.

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43. BA Prohibited PracticesWhen the customer called, he already knew what plan he wanted. The BA added the plan to the cart and transferred the call to the enrollment team without going over the premium or plan benefits.Would QM score this as a Prohibited Practice because the BA did not go over the benefits or premium?

Explanation

The question asks whether the Quality Management (QM) would score this situation as a Prohibited Practice because the BA did not go over the benefits or premium. The answer is "No" because the customer already knew what plan he wanted, so there was no need for the BA to go over the benefits or premium. The QM would not consider this as a Prohibited Practice as long as the customer's needs and preferences were already known and met.

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44. Closing Script, Contact InformationIf the BA/ADP skips the entire second paragraph of the closing script for a MAPD, how will QM score the corresponding section?

Explanation

If the BA/ADP skips the entire second paragraph of the closing script for a MAPD, the QM score will be considered as "Minor". This means that it is a minor issue or error, but it does not have a significant impact on the overall quality of the script or the communication process.

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45. Disclaimer, Disclaimer ScriptingThe customer is hard of hearing so he told the BA his HIPAA rep could listen to the disclaimer for him. BA said Ok and played the disclaimer for the HIPAA. How should this be scored?

Explanation

The answer is Major because the Business Analyst (BA) allowed someone who is not authorized to listen to the disclaimer, which is a violation of HIPAA regulations. The HIPAA rep should not have been given access to sensitive information without proper authorization. This is a serious breach of privacy and could result in significant consequences for the company.

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46. Secure the CallThe customer calls in and asks to speak with a specific BA. The BA transferred the call to the other agent without securing the call.  The BA that the customer called to speak with does not need to secure the record. 

Explanation

The customer called in specifically asking to speak with a specific BA. The BA transferred the call to another agent without securing the call. This implies that the customer's request was not related to any sensitive or confidential information that would require the call to be secured. Therefore, it is true that the BA that the customer called to speak with does not need to secure the record.

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47. Disclaimer, Disclaimer ScriptingThe customers are both enrolling into MAPD plans. MR is enrolling into the Aetna Medicare Value Plan HMO and MRS is enrolling into the AARP MedicareComplete HMO. The BA/ADP can play one disclaimer after the applications are completed because both plans are MAPDs. 

Explanation

The BA/ADP cannot play one disclaimer after the applications are completed because both plans are MAPDs.

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48. Voice Signature, Confirmation Number  The following people can provide the voice signature: (Check all that apply)

Explanation

The correct answer is that the customer, the legal guardian/conservator, and a person who holds the appropriate Power of Attorney for the customer can provide the voice signature. These individuals have the legal authority to make decisions on behalf of the customer and can therefore provide the necessary confirmation for the voice signature.

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49. Opening ScriptThe HIPAA statement/question (number 10) must be read/asked on every application. 

Explanation

The statement/question (number 10) does not need to be read/asked on every application according to HIPAA regulations.

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50. BenefitsOut of the 16 line items in the Benefits section, how many can be scored as a Major?

Explanation

In the Benefits section, only one line item can be scored as a Major. This implies that out of the 16 line items, only a single item meets the criteria to be considered as a major benefit.

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51. BenefitsHere is the verbiage for Catastrophic Coverage:Catastrophic CoverageAfter your yearly out-of-pocket drug costs reach $4,550, you pay the greater of:-5% coinsurance, or- $2.55 copay for generic (including brand drugs treated as generic) and a $6.35 copay for all other drugs.The BA/ADP did not read (including brand drugs treated as generic). How should QM score number 24?

Explanation

The BA/ADP did not read the phrase "including brand drugs treated as generic" in the verbiage for Catastrophic Coverage. This phrase indicates that even brand drugs that are treated as generic will have a copay of $2.55. Since the BA/ADP did not include this information in their reading, it suggests that they did not fully understand the coverage details. Therefore, the QM score number 24 should be marked as Major, indicating a significant error in understanding the information.

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52. BenefitsCustomer is enrolling into a High Deductible Plan F. Which benefits are required to be read to the Customer?

Explanation

not-available-via-ai

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53. Voice Signature, Confirmation NumberBA states: "I will now give you your confirmation number. Do you have a pen and paper? Ok, your confirmation number is 32198754."How will QM score number 54?

Explanation

The question asks how the Quality Monitoring (QM) score will be for the given scenario. The scenario involves a customer service representative providing a confirmation number to a customer. The customer confirms that they have a pen and paper and the representative provides the confirmation number "32198754". Since the representative successfully provides the confirmation number as requested by the customer, it can be considered a minor issue or error in the customer interaction. Therefore, the QM score for this scenario would be "Minor".

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54. BenefitsIf the drug deductible is $0, the BA/ADP does not have to read it to the customer during the benefits section. 

Explanation

If the drug deductible is $0, it means that there is no deductible amount that the customer needs to pay before their drug benefits kick in. In this case, the BA/ADP does not need to mention the drug deductible to the customer during the benefits section because there is no deductible amount to be discussed. Therefore, the statement that the BA/ADP does not have to read it to the customer during the benefits section is true.

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55. Red Flag   The BA did not look up the customer's PCP number for the HMO plan they were enrolling in. Rather than getting an LBS on the line, the ADP placed the customer on hold and looked up the number online. What is the appropriate action to take?

Explanation

The correct answer is "Red Flag the ADP for looking up the PCP number." This is because the ADP did not follow the correct procedure by not getting an LBS on the line to look up the PCP number. Instead, they took it upon themselves to look up the number online, which is not the appropriate action. This could potentially lead to inaccuracies or mistakes in the application process.

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56. Sales callsWhat questions should you ask yourself when searching for a Sales Call? Check all that apply.

Explanation

The correct answer is to ask yourself whether the BA presented plans, went through the quoting screens, added a plan to the cart, and did a Needs Analysis. These questions are important to ensure that the sales call was conducted effectively and all necessary steps were taken to understand the customer's needs and offer appropriate solutions. Verifying the customer's profile, asking Situation Analysis questions, and offering dental/vision plans are not mentioned as necessary steps in this context.

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57. Voice Signature, Confirmation NumberAfter obtaining the voice signature from the customer, the BA/ADP states that they can hand the phone back to the HIPAA approved representative and proceeds to give them the confirmation number. This would be marked as a major.

Explanation

The explanation for the given correct answer, False, is that according to the statement, the BA/ADP states that they can hand the phone back to the HIPAA approved representative and proceeds to give them the confirmation number. This action would not be marked as a major, as it is a normal procedure to provide the confirmation number after obtaining the voice signature. Therefore, the answer is False.

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58. Opening ScriptDr. Cooper has Power of Attorney for her husband, however he will be completing his own enrollment with assistance from his wife. The BA/ADP must ask the POA question (number 9), read the POA statement to Dr. Cooper and obtain verbal confirmation that she holds Power of Attorney. 

Explanation

The BA/ADP does not need to ask the POA question and obtain verbal confirmation from Dr. Cooper because it is stated that she already has Power of Attorney for her husband. Therefore, the correct answer is False.

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59. Disclaimer, Disclaimer ScriptingThe customer/POA is not on the line to hear the scripting that is read prior to the disclaimer. How will QM score number 51?

Explanation

The given answer "Minor" suggests that the issue mentioned in the question, which is the customer/POA not being on the line to hear the scripting prior to the disclaimer, is considered a minor problem. This implies that it may have a slight impact on the quality management (QM) score, but it is not a significant issue that would greatly affect the overall score.

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60. Voice Signature, Confirmation NumberIt is acceptable for the ADP/BA to not read the voice signature scripting if the disclaimer instructed the customer to agree and they did as such. 

Explanation

The explanation for the given correct answer is that if the disclaimer instructs the customer to agree and they do so, it is acceptable for the ADP/BA to not read the voice signature scripting. This means that the customer's agreement is confirmed through their action of agreeing, and the voice signature scripting can be skipped in this case. Therefore, the statement "It is acceptable for the ADP/BA to not read the voice signature scripting if the disclaimer instructed the customer to agree and they did as such" is true.

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61. Opening ScriptOn which applications must the MIR be read?(Hint: This refers to the MIR in the Opening Script, not the MIR that is read before quoting plans)Select all that apply.

Explanation

The MIR (Marketing Information Request) must be read on the following applications: Medigap-GI, Cost Plan, Medicare Advantage Plan, and Prescription Drug Plan. These applications require the MIR to be read in order to provide the necessary information to the applicant. The MIR is not required for Vision Plan, Medigap-Underwritten, Dental Plan, as stated in the options.

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62. Voice Signature, Confirmation Number  The ADP/BA states the following: Do you understand the preceding statements and confirm you wish to purchase this plan with an effective date of 8/1/2014? If you agree please say 'I Scott Summers agree on 7/25/2014'. How would this be scored?

Explanation

The given answer "Major" is correct because the question is asking how this statement would be scored. The statement includes a confirmation of understanding and agreement to purchase the plan with a specific effective date. This indicates a significant commitment and decision, which would typically be considered a major score.

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63. ADP Prohibited PracticesIs the following statement a Prohibited Practice and if so, which Prohibited Practice would you use:"This is a great plan and I think it will work well for you!"

Explanation

The given statement does not fall under the category of a Prohibited Practice. It does not involve explaining, interpreting, or offering opinions, advice, or recommendations on insurance coverage, terms, or any other insurance contract to a potential insurance customer. Instead, it simply expresses a positive opinion about a plan without providing any specific details or advice related to insurance.

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64. Application, page 1What question(s) on page 1 can an ADP/BA skip and not get marked down? Check all that apply.

Explanation

An ADP/BA can skip the questions about Middle Name, Alternate Phone Number, Title, Alternate Contact, Name on the Medicare card, and Email address on page 1 without getting marked down. These questions are not necessary for the application process or for the completion of page 1.

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65. Secure the CallHusband and wife call to talk about MR's plans. They do not speak about MRS account. They are linked accounts in the SSC and both are Medicare eligible.Indicate who needs to be secured:

Explanation

Both MR and MRS need to be secured. Since they are linked accounts in the SSC and both are Medicare eligible, it is important to ensure the security of both individuals during their call.

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66. BA Prohibited PracticesWhich of the following phrases would be marked down for the BA using an absolute superlative?Check all that apply. 

Explanation

The BA would mark down phrases that use absolute superlatives, which are words or phrases that indicate the highest or lowest degree of something without any room for comparison. In this case, the phrases "This plan is the most comprehensive," "This plan is projected to be the most cost effective for you," and "This Medigap plan is the top of the line" all use absolute superlatives, indicating that they are the highest or best in their respective categories.

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67. Application, page 1The BA/ADP is able to answer which question(s) for the customer on page 1?Check all that apply.

Explanation

The BA/ADP is able to answer the customer's questions regarding their desired effective date and alternate contact information.

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