HealthSpring Quiz

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

1. Flexible Choice Dental, Vision & Hearing Plus; Choice Accident; every other supplemental product listed in the portal.
2. Flexible Choice Dental, Vision & Hearing Plus; the Lump Sum Heart/Stroke Rider as a standalone policy; Choice Accident.
3. Flexible Choice Dental, Vision & Hearing Plus; Choice Accident; Flexible Choice Cancer - Lump Sum. (Right answer)
4. Choice Accident; the Specified Disease Benefit Rider as a standalone policy; Flexible Choice Cancer - Lump Sum.

Lesson: Part 2. We sell only Flexible Choice Dental, Vision & Hearing Plus, Choice Accident, and Flexible Choice Cancer - Lump Sum. The cancer product is built into our critical illness plan with riders.

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?

1. Return to the first screen and correct the Zip Code. (Right answer)
2. Continue with that state and adjust the price when you reach the billing section.
3. Enter the second applicant on the first screen to replace the state automatically.
4. Keep the quote and change only the mailing address after selecting the products.

Lesson: Parts 2 and 4. The first screen takes one applicant: Zip Code, the caller's Date of Birth, and Gender, then Quick Quote/Apply. The state fills itself from the zip code. Check it at the top right because prices differ by state. Return to the first screen to change the state or age.

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

1. Family, because every household with two adults belongs in that coverage type.
2. Two Individual policies, because the couple option requires a marriage certificate.
3. Individual & Spouse/Domestic Partner. (Right answer)
4. One-Parent Family, because an unmarried partner counts as a dependent adult.

Lesson: Part 3. Individual & Spouse/Domestic Partner covers two partners who need not be married. It does not fit two brothers or a mother and daughter. Individual covers one person age 18 or older; there is no child-only policy.

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

1. Include both children because living with their parents extends the family age limit.
2. Put both children on a couple policy because they are adults from one household.
3. Exclude both children because Family coverage ends for every child at age 18.
4. Include the 25-year-old; the 26-year-old needs a separate policy. (Right answer)

Lesson: Part 3. Family covers two parents and 1 to 6 children. A child can be up to 25; at 26 they need their own policy. Grandparents and cousins do not belong on the family policy.

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

1. Each additional child adds a separate Individual premium to the parent's quote.
2. The price is the same for 1 to 6 children. (Right answer)
3. The sixth child requires Family coverage even though there is only one parent.
4. Only the first child is included; the other five each need a child-only policy.

Lesson: Part 3. One-Parent Family is one parent plus 1 to 6 children. One child or six has the same price. Family is the coverage type for two parents plus 1 to 6 children.

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

1. $2,500 Maximum Benefit and the lowest monthly price anywhere in the grid.
2. $5,000 Maximum Benefit and the top right cell. (Right answer)
3. $5,000 Maximum Benefit and the bottom left cell with the highest deductible.
4. The client's choice of Maximum Benefit and whichever cell appears first.

Lesson: Parts 3 and 4. Use Customized Coverage and always sell the $5,000 Maximum Benefit. Read the top right cell: $100 deductible, Full Preventive Services, and 100% preventive coverage from day one.

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?

1. Use the younger caller's date of birth for both applicants so the couple receives one age bucket.
2. Complete Applicant 2 through Gender so the quote uses the older person's age bucket. (Right answer)
3. Read the original premium because the second applicant's age cannot change a couple quote.
4. Select the older age bucket only if the older partner will also be the payer on the application.

Lesson: Part 4. Dental pricing depends on state, family type, and the oldest person's age bucket: 49 and under or 50 and over. Fill Applicant 2 through Gender so the premium recalculates. Gender itself never changes the price.

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

1. Individual $42.50; couple both under 50 $105.14; One-Parent Family $83.53.
2. Individual $83.53; couple both under 50 $105.14; One-Parent Family $42.50.
3. Individual $25.00; couple both under 50 $42.50; One-Parent Family $83.53.
4. Individual $42.50; couple both under 50 $83.53; One-Parent Family $105.14. (Right answer)

Lesson: Part 4. The Florida training examples are Individual $42.50, a couple both under 50 $83.53, and One-Parent Family $105.14. Check the actual state, family type, and oldest age rather than applying these examples to every client.

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

1. Customized Coverage, Preferred, and the Health Screening Benefit Rider.
2. Customized Coverage, Premier, and no Optional Riders. (Right answer)
3. Customized Coverage, Core, and the Accident Disability Rider to raise benefits.
4. Customized Coverage, Premier, and the Parent Accident Rider for every family.

Lesson: Part 5. We sell Premier under Customized Coverage. Leave Health Screening Benefit Rider, Accident Disability Rider, and Parent Accident Rider unchecked. The Florida training price is $25.00 a month, with a few states a little lower.

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

1. The oldest person's age bucket and gender, with the same price in every state.
2. The number of birthdays since the quote and whether the applicants are married.
3. Only the primary applicant's age, even when a second applicant is included.
4. Only the state and family type. (Right answer)

Lesson: Part 5. Only state and family type move the Choice Accident price. Age and gender do not. The same four coverage types used for dental are available.

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

1. $10,000 base, $10,000 Heart/Stroke, and $10,000 Specified Disease; Cancer Benefit Builder off. (Right answer)
2. $10,000 base, $10,000 Cancer Benefit Builder, and $10,000 Specified Disease; Heart/Stroke off.
3. $10,000 base, $10,000 Heart/Stroke, and $10,000 Cancer Benefit Builder; Specified Disease off.
4. $10,000 base, $10,000 Heart/Stroke, and both remaining riders selected at their default amounts.

Lesson: Part 6. Set Benefit Amount to $10,000. Turn on Lump Sum Heart/Stroke Rider at $10,000 and Specified Disease Benefit Rider at $10,000. Leave Lump Sum Cancer Benefit Builder Rider off.

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?

1. Do not offer it because the younger caller must be at least 50 before the plan can be discussed.
2. Offer it and quote with only the caller's birth date because the caller is the primary applicant.
3. Offer it, collect both birth dates, and price by the older person. (Right answer)
4. Offer it and average the two ages before entering a single date of birth for the couple.

Lesson: Part 6. We offer this plan to clients 40 and over on ACA calls. It has many age buckets and prices by the oldest person, so collect both birth dates for a couple.

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

1. Keep both products checked and complete every applicant's First and Last Name. (Right answer)
2. Uncheck dental and submit accident alone, then add the missing last name after approval.
3. Remove the second applicant so the button activates, then quote that person on the same application.
4. Change both products to Individual coverage so the portal no longer needs the missing name.

Lesson: Part 7. Keep every product the client buys checked. Start Application stays gray until every applicant's First and Last Name are entered. Products can have different coverage types.

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?

1. Add children on their application tab; complete one application per product, back to back. (Right answer)
2. Add children as partners on the quote screen; submitting the first product automatically submits all three.
3. Finish a separate child-only quote for each child before returning to the parent's three products.
4. Submit the first product, then wait for approval before quoting the other two products from scratch.

Lesson: Part 7. Children are added later on their own tab inside the application. HealthSpring runs one application per product in sequence and carries answers forward. Each product still needs its own submission.

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

1. Only the phone number and email, because the name and birth date were entered on the quote.
2. Only the bank account number and routing number, then resubmit the billing section.
3. The preferred coverage date and beneficiary, then replace the name with a shorter version.
4. Name, date of birth, SSN, and the full address. (Right answer)

Lesson: Part 8. Confirm the name, date of birth, and Social Security number match, and confirm the full address. Then use Proceed with Application.

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

1. Require the partners to name each other and remove all additional beneficiaries from the application.
2. Allow each applicant's choice; each person's beneficiary percentages must total 100. (Right answer)
3. Allow the choices but make the percentages total 100 across both applicants combined.
4. Assign 100% to each beneficiary so every named person can receive the full benefit.

Lesson: Part 9. Each applicant chooses their own beneficiaries. Couples usually pick each other, but need not. When one person has two beneficiaries, that person's percentages must add up to 100.

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

1. Two per person, with equal shares automatically assigned when the field is blank.
2. One for the whole couple; blank automatically assigns the benefit to the partner.
3. One per person; blank means the estate. (Right answer)
4. Any number per person, but a blank field prevents every accident application.

Lesson: Part 12. Choice Accident allows one beneficiary per person. If the field is blank, the benefit goes to the estate.

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?

1. Prior or Other Coverage: Yes; Payer is other than Insured: Yes, because a bank pays the draft.
2. Prior or Other Coverage: Yes; Payer is other than Insured: No, because every new plan replaces something.
3. Prior or Other Coverage: No; Payer is other than Insured: No. (Right answer)
4. Prior or Other Coverage: No; Payer is other than Insured: Yes, whenever the client buys multiple products.

Lesson: Parts 9 and 10. Prior or Other Coverage is No unless replacing a plan. Payer is other than Insured is No unless someone else pays; if someone else pays, enter that payer's details.

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

1. Withdrawal date 28; bank consent Yes and Yes. (Right answer)
2. Withdrawal date 31; bank consent Yes and Yes, with short months adjusted by the agent.
3. Withdrawal date 1; bank consent No and No, because the bank information is enough.
4. Withdrawal date 30; bank consent Yes and No, unless the client requests an earlier date.

Lesson: Part 10. Use Requested Withdrawal Date 28 unless the client asks for another day from 1 to 28. Bank Consent Verification Questions are Yes and Yes.

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

1. Yes, A, Yes: packet provided, a different form option, and applicant present in person.
2. No, B, No: no packet provided, Outline of Coverage, and applicant not present in person.
3. Yes, B, Yes: packet provided, Outline of Coverage, and applicant present in person.
4. Yes, B, No: packet provided, Outline of Coverage, and applicant not present in person. (Right answer)

Lesson: Parts 11 and 12. Required Forms is Yes for the blank packet, B for Outline of Coverage, and No because the applicant is not with you in person.

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

1. Date of Approval for cancer and accident; the 1st of next month for dental. (Right answer)
2. Date of Approval for all three products, including dental, so the policies start together.
3. The 1st of next month for all three products, regardless of their default effective dates.
4. Requested Withdrawal Date 28 for all three products, so coverage and billing begin together.

Lesson: Parts 11, 12, and 13. Leave cancer and accident at Date of Approval unless the client requests a date. Dental always starts on the 1st of the next month.

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

1. Attest Yes and Yes; get the client's security question, answer, and 4-digit PIN and reuse them. (Right answer)
2. Attest Yes and No; create the security answer and PIN yourself to speed up the remaining applications.
3. Attest No and Yes; ask the client to choose a new security question, answer, and PIN for every product.
4. Attest Yes and Yes; use the last four digits of the phone number without asking the client for a PIN.

Lesson: Parts 11, 12, and 13. Attest Yes and Yes. Get the security question, answer, and 4-digit PIN from the client, then reuse those same details on the next products.

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

1. Agent family business Yes; enter the client's driver license number because the application is theirs.
2. Agent family business No; leave the agent license field blank because the portal already has your login.
3. Agent family business Yes; enter the other applicant's license number when quoting a family policy.
4. Agent family business No; enter your agent license number. (Right answer)

Lesson: Part 11. Answer No to agent family business. In Florida, type your agent license number before submitting.

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

1. Keep both products in one run and switch the primary applicant just before each Submit button.
2. Keep both products in one run because sharing a household is enough, even with different primaries.
3. Quote and submit the policy with a different primary separately. (Right answer)
4. Submit both under the first primary and change the second policy's primary in Book of Business.

Lesson: Part 14. Run all products in one go only when the same primary applicant is on all of them. A different primary applicant requires a separate quote and submission. Each policy is submitted on its own.

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

1. Quick Quote/Apply, then start a new quote with the same date of birth and zip code.
2. Book of Business on the Dashboard. (Right answer)
3. The product price grid, where every selected product is treated as a written policy.
4. The Required Forms page, where all unfinished quotes appear as submitted policies.

Lesson: Parts 1 and 14. Book of Business shows the policies you have written. Quote and Enroll is where you begin the quote and application process.