PACK 2026 KEY CONCEPTS AND REVISION
NOTES
◉ Agent Armstrong is employed by XYZ Agency, which is under
contract with ABC Health Plan, a Medicare Advantage (MA) plan that
offers plans in multiple states. XYZ Agency maintains a website
marketing the MA plans with which it has contracts. Agent
Armstrong follows up with individuals who request more
information about ABC MA plans via the website and tries to
persuade them to enroll in ABC plans. What statement best
describes the marketing and compliance rules that apply to Agent
Armstrong?
Answer: Agent Armstrong needs to be licensed and appointed in
every state in which beneficiaries to whom he markets ABC MA
plans are located.
◉ Mr. Schmidt would like to plan for retirement and has asked you
what is covered under Original Fee-for-Service (FFS) Medicare?
What could you tell him?
Answer: Part A, which covers hospital, skilled nursing facility,
hospice and home health services and Part B, which covers
professional services such as those provided by a doctor are covered
under Original Medicare.
, ◉ You are seeking to represent an individual Medicare Advantage
plan and an individual Part D plan in your state. You have completed
the required training for each plan, but you did not achieve a passing
score on the tests that came after the training. What can you do in
this situation?
Answer: You will not be able to represent any Medicare Advantage
or Part D plan until you complete the training and achieve an
adequate score, although you will not have to take a test if you
exclusively market employer/union group plans and the companies
do not require testing.
◉ Mr. Chen is enrolled in his employer's group health plan and will
be retiring soon. He would like to know his options since he has
decided to drop his retiree coverage and is eligible for Medicare.
What should you tell him?
Answer: Mr. Chen can disenroll from his employer-sponsored
coverage to elect a Medicare Advantage or Part D plan within 2
months of his disenrollment, but he should revaluate if he really
wants to drop his employer coverage.
◉ Mr. Davis is 52 years old and has recently been diagnosed with
end-stage renal disease (ESRD) and will soon begin dialysis. He is
wondering if he can obtain coverage under Medicare. What should
you tell him?
Answer: He may sign-up for Medicare at any time however coverage
usually begins on the fourth month after dialysis treatments start.