Humana - 2026 Certifications
Why are agents required to follow FCC and FTC regulations?
These organizations maintain general marketing and telemarketing guidelines at a federal level.
The regulations and violations discussed in this lesson apply to...
Agents who are certified, licensed, and appointed to sell Humana Medicare products
Which question below is an unacceptable eligibility question?
How many days per week do you exercise?
Which of the statements is true when it comes to legal authority to enroll a beneficiary in a plan?
It only applies if the person can no longer make their own decisions.
Agent Roberto selected the incorrect prescription in the Pharmacy Calculator when providing cost
share benefits to his customer Patricia. Due to his mistake, Roberto informed Patricia her drug was
covered and there would only be a $20 copayment, when in fact the drug isn't covered on the plan
Patricia is about to enroll in. Choose the most correct response below.
Roberto's error is considered a violation because he misquoted the prescription cost share benefits to
Patricia.
Carol is turning 65 next month. Her agent Jonah is explaining the plans and benefits available in her
area. Carol is considering three different plans. During their discussion Jonah constantly goes back and
forth between the plans to explain various features and benefits. It's causing Carol to get a little
confused about what benefits each plan has.
Carol asks Jonah to enroll her in the PPO plan, which Carol feels is a good fit for her since she travels a
lot. Jonah accidentally enrolls Carol in one of the HMO plans they were discussing. Choose the correct
response below.
Jonah's actions are a violation because he didn't enroll the beneficiary into the plan she requested.
Agent Krista is enrolling Charlotte into a PPO Medicare Advantage plan. Krista completed a thorough
NEEDS Analysis and did an excellent job presenting plan benefits. Krista asks if Charlotte would like
her to verify whether any prescriptions she may be taking are covered by the plan they're discussing.
Charlotte is very healthy and only takes one prescription. When Krista hears the prescription name,
she's confident it's covered. Krista had a customer earlier today who took the same drug. When
checking Humana's Pharmacy Calculator for the previous customer's HMO plan, she confirmed the
drug was covered. Krista informs Charlotte of this without taking any further steps. They continue
with the PPO enrollment together. Choose the most correct response below.
Krista committed a violation because she should never assume the prescription is covered based upon
her experience with her previous customer.
