UHC ETHICS AND COMPLIANCE EXAM 2025/2026 WITH 100
ACTUAL EXAM QUESTIONS AND CORRECT ANSWERS (100%
CORRECT VERIFIED ANSWERS) UNITED HEALTHCARE
ETHICS & COMPLIANCE TEST (NEWEST!!)
Question 1
Gene got Medicare before he turned 65 and enrolled into a Medicare
Advantage plan. He calls in February the month before his 65th birthday and
is unhappy with his current plan. On the date of the call, what can Gene do
about his coverage?
A) He cannot make any changes until the Annual Election Period.
B) He can switch to Original Medicare but not another Medicare Advantage
plan.
C) On the day he called, he can enroll in a different Medicare Advantage plan
with an effective date of March 1.
D) He can only disenroll from his current plan, but not enroll in a new one.
E) He must wait until his 65th birthday to make any changes.
Correct Answer: C) On the day he called, he can enroll in a different
Medicare Advantage plan with an effective date of March 1.
Rationale: Individuals who become Medicare-eligible due to disability
and then turn 65 have a Special Election Period (SEP) around their
65th birthday, allowing them to make changes to their Medicare
Advantage plan.
Question 2
Mrs. Violet asks agent Bob where she can find the Star Rating for the plan he
has been presenting. Which statement is correct?
A) Mrs. Violet can only access the Star Rating from the agent's internal
company portal.
B) The Star Rating is confidential and cannot be shared with consumers.
C) Mrs. Violet can access the Star Rating for a plan on Medicare.gov or in the
Enrollment Guide.
D) Agent Bob must verbally explain the Star Rating without providing written
materials.
, E) Star Ratings are only available for Medicare Supplement Plans.
Correct Answer: C) Mrs. Violet can access the Star Rating for a plan on
Medicare.gov or in the Enrollment Guide.
Rationale: CMS requires that Star Ratings, which reflect a plan's
quality and performance, be publicly available on Medicare.gov and
included in official plan materials like the Enrollment Guide.
Question 3
Which of the following is not considered unsolicited contact with a Medicare-
eligible consumer according to CMS regulations and UnitedHealthcare's rules,
policies, and procedures?
A) Cold-calling a consumer to discuss plan options.
B) Mailing a marketing brochure to the consumer via postal mail.
C) Door-to-door solicitation without prior appointment.
D) Text messaging a consumer about plan benefits without consent.
E) Leaving a voicemail encouraging a call back about plan enrollment.
Correct Answer: B) Mailing a marketing brochure to the consumer via
postal mail.
Rationale: Direct mail is a permitted form of passive marketing. The
other options involve direct, uninvited engagement which CMS
considers unsolicited contact.
Question 4
Which statement is true about discussing benefits with the consumer before
an enrollment?
A) Agents are only required to disclose benefits if specifically asked by the
consumer.
B) The agent must accurately and completely disclose any benefits
discussed.
C) Agents may highlight only the most attractive benefits to expedite
enrollment.
D) Agents are prohibited from discussing any benefits prior to an official
ACTUAL EXAM QUESTIONS AND CORRECT ANSWERS (100%
CORRECT VERIFIED ANSWERS) UNITED HEALTHCARE
ETHICS & COMPLIANCE TEST (NEWEST!!)
Question 1
Gene got Medicare before he turned 65 and enrolled into a Medicare
Advantage plan. He calls in February the month before his 65th birthday and
is unhappy with his current plan. On the date of the call, what can Gene do
about his coverage?
A) He cannot make any changes until the Annual Election Period.
B) He can switch to Original Medicare but not another Medicare Advantage
plan.
C) On the day he called, he can enroll in a different Medicare Advantage plan
with an effective date of March 1.
D) He can only disenroll from his current plan, but not enroll in a new one.
E) He must wait until his 65th birthday to make any changes.
Correct Answer: C) On the day he called, he can enroll in a different
Medicare Advantage plan with an effective date of March 1.
Rationale: Individuals who become Medicare-eligible due to disability
and then turn 65 have a Special Election Period (SEP) around their
65th birthday, allowing them to make changes to their Medicare
Advantage plan.
Question 2
Mrs. Violet asks agent Bob where she can find the Star Rating for the plan he
has been presenting. Which statement is correct?
A) Mrs. Violet can only access the Star Rating from the agent's internal
company portal.
B) The Star Rating is confidential and cannot be shared with consumers.
C) Mrs. Violet can access the Star Rating for a plan on Medicare.gov or in the
Enrollment Guide.
D) Agent Bob must verbally explain the Star Rating without providing written
materials.
, E) Star Ratings are only available for Medicare Supplement Plans.
Correct Answer: C) Mrs. Violet can access the Star Rating for a plan on
Medicare.gov or in the Enrollment Guide.
Rationale: CMS requires that Star Ratings, which reflect a plan's
quality and performance, be publicly available on Medicare.gov and
included in official plan materials like the Enrollment Guide.
Question 3
Which of the following is not considered unsolicited contact with a Medicare-
eligible consumer according to CMS regulations and UnitedHealthcare's rules,
policies, and procedures?
A) Cold-calling a consumer to discuss plan options.
B) Mailing a marketing brochure to the consumer via postal mail.
C) Door-to-door solicitation without prior appointment.
D) Text messaging a consumer about plan benefits without consent.
E) Leaving a voicemail encouraging a call back about plan enrollment.
Correct Answer: B) Mailing a marketing brochure to the consumer via
postal mail.
Rationale: Direct mail is a permitted form of passive marketing. The
other options involve direct, uninvited engagement which CMS
considers unsolicited contact.
Question 4
Which statement is true about discussing benefits with the consumer before
an enrollment?
A) Agents are only required to disclose benefits if specifically asked by the
consumer.
B) The agent must accurately and completely disclose any benefits
discussed.
C) Agents may highlight only the most attractive benefits to expedite
enrollment.
D) Agents are prohibited from discussing any benefits prior to an official
