GigCare Certfication Test

To successfully pass the test, a minimum score of 80% or higher is required.

Name(Required)

First Last

National Producer Number(Required)

Email(Required)

1. What is the primary purpose of GigCare plans?(Required)

To sell traditional insurance products

To replace employer-sponsored health plans

To provide health insurance for all Americans

To offer health plans for underserved 1099 and gig economy workers

2. What type of workers are primarily targeted for GigCare?(Required)

Retirees

Self-employed 1099 or gig economy workers

Government employees

Full-time corporate employees

3. What is the role of agents in PSM?(Required)

Managing claims for GigCare

Developing survey questions

Acting as educators, gatekeepers, and enrollers

Only enrolling participants in health plans

4. What does PSM focus on gaining through its surveys?(Required)

Financial data from gig workers

Marketing data for insurance companies

Insights into specific populations

General population health data

5. Who is NOT eligible for GigCare?(Required)

Independent Amazon drivers

Individuals enrolled in an employer’s group plan

Self-employed consultants

Freelancers reporting 1099 income

6. What is the name of the app used by CDRs to complete surveys and access health plan information?(Required)

Preefer Pay

Detego Health

Iron Health

Covered365

7. How is data privacy handled in PSM?(Required)

Data is sold to third parties

All data is deidentified, and only anonymized survey responses are used

Survey responses are linked to personal details

Personal information is shared with researchers

8. What is a key feature of GigCare’s target population?(Required)

They are covered by government programs

They are primarily salaried employees

They lack access to traditional group health plans

They are all retirees

9. What do CDRs provide to PSM?(Required)

Marketing materials

Medical records

Valuable survey data

Financial contributions

10. How are CDRs compensated for completing surveys?(Required)

With tax credits

With payments ranging from $5 to $100 per survey

Through health plan discounts

With free medical services

11. What type of questions are typically included in PSM surveys?(Required)

Financial status questions

Open-ended health history questions

Long essay questions

Binary (“Yes/No”) or multiple-choice questions

12. What is the consequence for CDRs who fail to complete assigned surveys after receiving a warning?(Required)

They are fined but retain benefits

They are removed from the program without notice

They may lose access to health plan benefits

They are exempt from future surveys

13. How are survey payments reported for tax purposes?(Required)

On a 1099-MISC form

They are tax-exempt

On a W-2 form

On a K-1 form

14. What should agents advise CDRs regarding survey payments?(Required)

To ignore tax implications

To consult a tax advisor for reporting

To report them as nontaxable income

To deduct them as business expenses

15. What is the Ownership Joinder Agreement?(Required)

A tax form for survey payments

A health plan enrollment form

A contract to purchase insurance

An agreement making CDRs fractional owners of PSM

16. Why is PSM’s survey data considered unique?(Required)

It only collects health data

It is publicly available

It focuses on the general population

It targets a specific population of gig workers

17. How often are CDRs expected to complete surveys?(Required)

Only during enrollment

Monthly, regardless of assignment

Regularly, as assigned

Once a year

18. What is the purpose of surveys in PSM?v(Required)

To assess financial eligibility

To track employment status

To gather data for health plan improvements

To generate marketing content

19. What is the purpose of the suitability test?(Required)

To verify employment history

To ensure prospects are a good fit for PSM’s focus

To assess financial status

To sell insurance plans

20. What does the Health Assessment Questionnaire screen for?(Required)

Employment status

Income levels

Serious health conditions or treatments

Survey participation willingness

21. Which condition would make a prospect not a good fit for PSM’s health programs?(Required)

Seasonal allergies

Minor injuries

Cancer requiring chemotherapy

High blood pressure

22. What should agents check during the suitability test regarding medications?(Required)

The frequency of medication use

The cost of medications

Whether medications are generic

If medications are on the formulary and not specialty drugs

23. What is a critical limitation of PSM’s plans regarding medications?(Required)

They exclude over-the-counter drugs

They require prior authorization for all drugs

They do not cover specialty medications

They only cover generic drugs

24. What should agents ask to assess participation readiness?(Required)

“What is your annual income?”

“Do you have health insurance?”

“Are you comfortable completing surveys regularly?”

“Do you prefer in-person surveys?”

25. When must new applications be submitted for a first-of-the-month-following effective date?(Required)

By the end of the month

By the 25th of the month

By the 10th of the month

By the 18th of the month

26. When are monthly contributions automatically deducted?(Required)

On the 30th of each month

On the 20th of each month

On the 1st of each month

On the 10th of each month

27. Which of the following is considered a Qualifying Life Event for adding members to a GigCare plan outside of open enrollment?(Required)

Change in employment status

Marriage

Purchase of a new home

Relocation to a new state

28. When can plan changes be made outside of open enrollment?(Required)

After a member’s first survey submission

During Qualifying Life Events

Any time with approval

After completing surveys

29. Who administers GigCare for PSM?(Required)

Blue Cross and Blue Shield

Preefer Pay

Detego Health

Iron Health

30. Which provider network is used by GigCare?(Required)

Aetna

Cigna

UnitedHealthcare

Blue Cross and Blue Shield of Nebraska

31. How many plan options does GigCare offer?(Required)

Six

Three

Five

Four

32. What is the copay for primary care visits in non-HSA plans?(Required)

$75

$40

$10

$25

33. What is covered at 100% in GigCare plans?(Required)

Out-of-network care

Specialty medications

ACA-required preventive services

Emergency room visits

34. How many free mental health virtual care visits are provided annually?(Required)

Eight

Six

Two

Four

35. What service helps members save up to 70% on prescriptions?(Required)

Covered365

Green Imaging

Diathrive

Scriptaid

36. Which program supports diabetes management?(Required)

Care Management

Green Imaging

Scriptaid

Diathrive

37. Where can members access 24/7 support?(Required)

Preefer Pay portal

Blue Cross and Blue Shield website

Iron Health website

GigCare Member Portal or Covered365 app

38. What is the deductible year for GigCare plans?(Required)

January 1 to December 31

July 1 to June 30

October 1 to September 30

April 1 to March 31

39. What is the copay for telehealth services through mylivedoc.net?(Required)

$25

$40

$75

40. What is a feature of the $5,000 HDHP plan?(Required)

It includes low copays for primary care

It pairs with a Health Savings Account (HSA)

It restricts coverage to in-network providers

It excludes preventive services