HealthSpring Quiz

Question 1

You are quoting supplemental coverage. Which product list matches the three products we sell?

AFlexible Choice Dental, Vision & Hearing Plus; Choice Accident; every other supplemental product listed in the portal.BFlexible Choice Dental, Vision & Hearing Plus; the Lump Sum Heart/Stroke Rider as a standalone policy; Choice Accident.CFlexible Choice Dental, Vision & Hearing Plus; Choice Accident; Flexible Choice Cancer - Lump Sum.DChoice Accident; the Specified Disease Benefit Rider as a standalone policy; Flexible Choice Cancer - Lump Sum.

Question 2

You start a quote for the person on the phone. After Quick Quote/Apply, the top right shows the wrong state. What should you do?

AReturn to the first screen and correct the Zip Code.BContinue with that state and adjust the price when you reach the billing section.CEnter the second applicant on the first screen to replace the state automatically.DKeep the quote and change only the mailing address after selecting the products.

Question 3

Two adult domestic partners want coverage together but are not married. Which coverage type fits?

AFamily, because every household with two adults belongs in that coverage type.BTwo Individual policies, because the couple option requires a marriage certificate.CIndividual & Spouse/Domestic Partner.DOne-Parent Family, because an unmarried partner counts as a dependent adult.

Question 4

Two parents want Family coverage with their 25-year-old and 26-year-old children. How should you handle the children?

AInclude both children because living with their parents extends the family age limit.BPut both children on a couple policy because they are adults from one household.CExclude both children because Family coverage ends for every child at age 18.DInclude the 25-year-old; the 26-year-old needs a separate policy.

Question 5

A parent with one child asks whether One-Parent Family costs more if five additional eligible children are included. What do you explain?

AEach additional child adds a separate Individual premium to the parent's quote.BThe price is the same for 1 to 6 children.CThe sixth child requires Family coverage even though there is only one parent.DOnly the first child is included; the other five each need a child-only policy.

Question 6

You have selected Customized Coverage for dental. Which benefit and price-grid cell should you use?

A$2,500 Maximum Benefit and the lowest monthly price anywhere in the grid.B$5,000 Maximum Benefit and the top right cell.C$5,000 Maximum Benefit and the bottom left cell with the highest deductible.DThe client's choice of Maximum Benefit and whichever cell appears first.

Question 7

You are quoting dental for a 45-year-old and a 52-year-old partner. What must happen before you give the couple a price?

AUse the younger caller's date of birth for both applicants so the couple receives one age bucket.BComplete Applicant 2 through Gender so the quote uses the older person's age bucket.CRead the original premium because the second applicant's age cannot change a couple quote.DSelect the older age bucket only if the older partner will also be the payer on the application.

Question 8

You are reviewing the Florida dental examples shown in training. Which set matches the quoted monthly amounts?

AIndividual $42.50; couple both under 50 $105.14; One-Parent Family $83.53.BIndividual $83.53; couple both under 50 $105.14; One-Parent Family $42.50.CIndividual $25.00; couple both under 50 $42.50; One-Parent Family $83.53.DIndividual $42.50; couple both under 50 $83.53; One-Parent Family $105.14.

Question 9

You open Choice Accident and see Core, Preferred, Premier, and Optional Riders. Which setup matches the training?

ACustomized Coverage, Preferred, and the Health Screening Benefit Rider.BCustomized Coverage, Premier, and no Optional Riders.CCustomized Coverage, Core, and the Accident Disability Rider to raise benefits.DCustomized Coverage, Premier, and the Parent Accident Rider for every family.

Question 10

A client asks which details can change the Choice Accident price. Which answer is correct?

AThe oldest person's age bucket and gender, with the same price in every state.BThe number of birthdays since the quote and whether the applicants are married.COnly the primary applicant's age, even when a second applicant is included.DOnly the state and family type.

Question 11

You are building the critical illness plan from Flexible Choice Cancer - Lump Sum. Which configuration should you use?

A$10,000 base, $10,000 Heart/Stroke, and $10,000 Specified Disease; Cancer Benefit Builder off.B$10,000 base, $10,000 Cancer Benefit Builder, and $10,000 Specified Disease; Heart/Stroke off.C$10,000 base, $10,000 Heart/Stroke, and $10,000 Cancer Benefit Builder; Specified Disease off.D$10,000 base, $10,000 Heart/Stroke, and both remaining riders selected at their default amounts.

Question 12

On an ACA call, a 42-year-old asks about the cancer plan for a couple with a 57-year-old partner. Which approach matches the training?

ADo not offer it because the younger caller must be at least 50 before the plan can be discussed.BOffer it and quote with only the caller's birth date because the caller is the primary applicant.COffer it, collect both birth dates, and price by the older person.DOffer it and average the two ages before entering a single date of birth for the couple.

Question 13

A client is buying dental and accident, but Start Application is gray. An applicant's last name is blank. What should you do?

AKeep both products checked and complete every applicant's First and Last Name.BUncheck dental and submit accident alone, then add the missing last name after approval.CRemove the second applicant so the button activates, then quote that person on the same application.DChange both products to Individual coverage so the portal no longer needs the missing name.

Question 14

You start an application for a parent buying three products. The parent asks when to add the children and whether one submission finishes everything. What do you explain?

AAdd children on their application tab; complete one application per product, back to back.BAdd children as partners on the quote screen; submitting the first product automatically submits all three.CFinish a separate child-only quote for each child before returning to the parent's three products.DSubmit the first product, then wait for approval before quoting the other two products from scratch.

Question 15

The portal displays a Verification Error. What should you confirm with the client before proceeding?

AOnly the phone number and email, because the name and birth date were entered on the quote.BOnly the bank account number and routing number, then resubmit the billing section.CThe preferred coverage date and beneficiary, then replace the name with a shorter version.DName, date of birth, SSN, and the full address.

Question 16

In the cancer application, one applicant names two beneficiaries and the partner chooses someone other than the applicant. What is correct?

ARequire the partners to name each other and remove all additional beneficiaries from the application.BAllow each applicant's choice; each person's beneficiary percentages must total 100.CAllow the choices but make the percentages total 100 across both applicants combined.DAssign 100% to each beneficiary so every named person can receive the full benefit.

Question 17

An applicant asks how many beneficiaries Choice Accident allows and what happens if the field is blank. What do you say?

ATwo per person, with equal shares automatically assigned when the field is blank.BOne for the whole couple; blank automatically assigns the benefit to the partner.COne per person; blank means the estate.DAny number per person, but a blank field prevents every accident application.

Question 18

The client is not replacing a plan and will pay for their own policy. How should you answer Prior or Other Coverage and Payer is other than Insured?

APrior or Other Coverage: Yes; Payer is other than Insured: Yes, because a bank pays the draft.BPrior or Other Coverage: Yes; Payer is other than Insured: No, because every new plan replaces something.CPrior or Other Coverage: No; Payer is other than Insured: No.DPrior or Other Coverage: No; Payer is other than Insured: Yes, whenever the client buys multiple products.

Question 19

The client gives bank consent and has no preferred withdrawal day. Which billing entries match the training?

AWithdrawal date 28; bank consent Yes and Yes.BWithdrawal date 31; bank consent Yes and Yes, with short months adjusted by the agent.CWithdrawal date 1; bank consent No and No, because the bank information is enough.DWithdrawal date 30; bank consent Yes and No, unless the client requests an earlier date.

Question 20

You provided the blank packet and are enrolling the client by phone. Which Required Forms answers match that situation?

AYes, A, Yes: packet provided, a different form option, and applicant present in person.BNo, B, No: no packet provided, Outline of Coverage, and applicant not present in person.CYes, B, Yes: packet provided, Outline of Coverage, and applicant present in person.DYes, B, No: packet provided, Outline of Coverage, and applicant not present in person.

Question 21

A client buying cancer, accident, and dental has not requested a special effective date. Which dates should you use?

ADate of Approval for cancer and accident; the 1st of next month for dental.BDate of Approval for all three products, including dental, so the policies start together.CThe 1st of next month for all three products, regardless of their default effective dates.DRequested Withdrawal Date 28 for all three products, so coverage and billing begin together.

Question 22

You reach Final Steps on the first product and will submit another product next. How should you handle attestation and security details?

AAttest Yes and Yes; get the client's security question, answer, and 4-digit PIN and reuse them.BAttest Yes and No; create the security answer and PIN yourself to speed up the remaining applications.CAttest No and Yes; ask the client to choose a new security question, answer, and PIN for every product.DAttest Yes and Yes; use the last four digits of the phone number without asking the client for a PIN.

Question 23

You are finishing a Florida application. Which entries match the training for agent family business and the license field?

AAgent family business Yes; enter the client's driver license number because the application is theirs.BAgent family business No; leave the agent license field blank because the portal already has your login.CAgent family business Yes; enter the other applicant's license number when quoting a family policy.DAgent family business No; enter your agent license number.

Question 24

A couple wants dental with one partner as primary and accident with the other partner as primary. How should you submit the policies?

AKeep both products in one run and switch the primary applicant just before each Submit button.BKeep both products in one run because sharing a household is enough, even with different primaries.CQuote and submit the policy with a different primary separately.DSubmit both under the first primary and change the second policy's primary in Book of Business.

Question 25

You have finished submitting the policies and want to see what you wrote. Where should you go?

AQuick Quote/Apply, then start a new quote with the same date of birth and zip code.BBook of Business on the Dashboard.CThe product price grid, where every selected product is treated as a written policy.DThe Required Forms page, where all unfinished quotes appear as submitted policies.