Qm - 2014 - Medigaps Page 2 And Beyond

1. In which state does the agent not have to ask the Tobacco question on the application?

New Mexico

New York

Pennsylvania

New Hampshire

Rhode Island

New Jersey

Vermont

In New York, the agent does not have to ask the Tobacco question on the application.

Explanation

In New York, the agent does not have to ask the Tobacco question on the application.

2. ADPs are allowed to assist the customer in answering a question

True. But the ADP must get an LBS on the line to make sure the question is answered correctly.

False. ADPs are not allowed to assist the customers, their job is to ask questions only.

True. But the ADP must re-state the question and have the customer give the correct answer.

The correct answer states that ADPs are allowed to assist the customer in answering a question, but they must re-state the question and have the customer give the correct answer. This means that while ADPs can provide assistance, they are required to ensure that the customer understands the question and provides the correct response. This helps to ensure accurate and reliable information is given to the customer.

Explanation

The correct answer states that ADPs are allowed to assist the customer in answering a question, but they must re-state the question and have the customer give the correct answer. This means that while ADPs can provide assistance, they are required to ensure that the customer understands the question and provides the correct response. This helps to ensure accurate and reliable information is given to the customer.

3. "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.

True

False

The answer to this question varies by carrier. In order to make sure that this question is answered correctly, please check the carrier guide. If it is answered incorrectly, this should be red flagged.

Explanation

The answer to this question varies by carrier. In order to make sure that this question is answered correctly, please check the carrier guide. If it is answered incorrectly, this should be red flagged.

4. If the question regarding how the customer would prefer to pay the premiums is asked twice on an application, the ADP/BA may skip it the second time it appears.

True

False

If the question regarding how the customer would prefer to pay the premiums is asked twice on an application, it is reasonable for the ADP/BA to skip it the second time it appears. This is because asking the same question twice can be redundant and time-consuming for both the customer and the ADP/BA. Skipping the second instance of the question can help streamline the application process and make it more efficient.

Explanation

If the question regarding how the customer would prefer to pay the premiums is asked twice on an application, it is reasonable for the ADP/BA to skip it the second time it appears. This is because asking the same question twice can be redundant and time-consuming for both the customer and the ADP/BA. Skipping the second instance of the question can help streamline the application process and make it more efficient.

5. If the question regarding how the Customer would prefer to pay the premiums is asked twice on an application, the ADP/BA must ask the question both times.

True

False

The ADP/BA does not need to ask the question regarding how the Customer would prefer to pay the premiums twice on an application. Asking the question once is sufficient.

Explanation

The ADP/BA does not need to ask the question regarding how the Customer would prefer to pay the premiums twice on an application. Asking the question once is sufficient.

6. If 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?

Blue Shield of Maryland

Blue Cross Blue Shield of Kentucky

Carefirst BlueCross BlueShield of Maryland

Humana

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.

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.

7. When collecting the payment information, the customer says January of this year as the expiration date on their credit card and the date on the application is 1/31/14.Choose how this should be graded:

Yes

Minor

Major

N/A

Coach

Yes and leave a coaching note

This should be graded as "Yes and leave a coaching note" because the customer provided an incorrect expiration date for their credit card. This mistake could potentially lead to payment issues or delays in processing the transaction. Therefore, it is important to address this issue with the customer and provide them with the correct information to avoid any future problems.

Explanation

This should be graded as "Yes and leave a coaching note" because the customer provided an incorrect expiration date for their credit card. This mistake could potentially lead to payment issues or delays in processing the transaction. Therefore, it is important to address this issue with the customer and provide them with the correct information to avoid any future problems.

8. QM 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.

True

False

If the BA skips the questions on a guaranteed issue application regarding current age, height, weight, and BMI, QM will not score line item 41 as a Major. Therefore, the correct answer is False.

Explanation

If the BA skips the questions on a guaranteed issue application regarding current age, height, weight, and BMI, QM will not score line item 41 as a Major. Therefore, the correct answer is False.

9. If the ADP does not ask for the AARP membership number on the first page, QM scores Major on this line item because there is no other line item for this question.

True

False

If the ADP does not ask for the AARP membership number on the first page, QM does not score Major on this line item because there is no other line item for this question.

Explanation

If the ADP does not ask for the AARP membership number on the first page, QM does not score Major on this line item because there is no other line item for this question.

10. Select all types of agents who can ask and answer questions for the customer after page 1 of Medigaps

LBS

SST

ADP

BA

Access BA

CSR

The types of agents who can ask and answer questions for the customer after page 1 of Medigaps are LBS, SST, BA, and Access BA. These agents have the knowledge and authority to provide assistance and information to customers regarding Medigaps. They are trained to address customer inquiries and concerns effectively, ensuring a satisfactory customer experience. The other options, ADP and CSR, may not have the necessary expertise or authorization to handle customer queries related to Medigaps.

Explanation

The types of agents who can ask and answer questions for the customer after page 1 of Medigaps are LBS, SST, BA, and Access BA. These agents have the knowledge and authority to provide assistance and information to customers regarding Medigaps. They are trained to address customer inquiries and concerns effectively, ensuring a satisfactory customer experience. The other options, ADP and CSR, may not have the necessary expertise or authorization to handle customer queries related to Medigaps.

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11. Which questions are the ADPs allowed to answer after page 1 of Medigaps? Check all that apply

Banking page account and routing numbers

Part B effective date (Current or Past Coverage section)

Do you have another Medicare Supplement policy in force?

Please select the Supplement Plan you would like to enroll in

ADPs (Authorized Dissemination Partners) are allowed to answer questions regarding the Part B effective date in the Current or Past Coverage section of Medigaps. They are also allowed to answer questions regarding the selection of the Supplement Plan that the individual would like to enroll in.

Explanation

ADPs (Authorized Dissemination Partners) are allowed to answer questions regarding the Part B effective date in the Current or Past Coverage section of Medigaps. They are also allowed to answer questions regarding the selection of the Supplement Plan that the individual would like to enroll in.

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