AHIP Exam AHM-520 Topic 4 Question 101 Discussion

Actual exam question for AHIP's AHM-520 exam

Question #: 101
Topic #: 4

With regard to the major risk factors associated with group underwriting, it can correctly be stated that, typically,

AThe age and gender of group plan members are not predictors of utilization of health services by group members

BA health plan's product design or delivery system has an impact on member selection of the health plan, unless the members are in an environment in which employees have at least two benefit options or health plans from which to choose

CA health plan should track demographic factors of groups only if the plan specifically adjusts for demographic factors on a group basis

DA large group is more likely to exhibit a consistent claims pattern, level of healthcare cost, or utilization of services than is a small group

Show Suggested Answer

Suggested Answer: B

by Nenita at Sep 14, 2024, 04:22 PM

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Phil

1 months ago

Ah, the joys of group underwriting. It's like a game of 'Guess the Demographic' with your health plan premiums on the line.

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Frankie

1 months ago

Option C seems a bit too specific. Why would a health plan only track demographics if they specifically adjust for them? Seems like they'd want to track that data either way.

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Hortencia

1 days ago

C) A health plan should track demographic factors of groups only if the plan specifically adjusts for demographic factors on a group basis

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Keshia

13 days ago

B) A health plan's product design or delivery system has an impact on member selection of the health plan, unless the members are in an environment in which employees have at least two benefit options or health plans from which to choose

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Charlena

16 days ago

A) The age and gender of group plan members are not predictors of utilization of health services by group members

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Domonique

1 months ago

Option A is just plain wrong. Age and gender are definitely predictors of healthcare utilization, no matter what the question says.

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Dong

15 days ago

C) A health plan should track demographic factors of groups only if the plan specifically adjusts for demographic factors on a group basis

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Nan

16 days ago

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Solange

2 months ago

I'm not sure about option B. Doesn't the product design and delivery system always impact member selection, regardless of whether they have multiple options or not?

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Loise

1 months ago

Elvera: Exactly. It's an important factor to consider when assessing the major risk factors associated with group underwriting.

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Elvera

1 months ago

User 2: I see, so the number of benefit options available to employees can affect how much influence the product design and delivery system has on member selection.

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Suzi

1 months ago

User 1: Option B is correct. The impact of product design and delivery system on member selection depends on whether there are multiple benefit options available.

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Tammi

2 months ago

I believe that a large group is more likely to have consistent claims patterns compared to a small group.

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Jacqueline

2 months ago

I agree, it's crucial to understand how age, gender, and group size can impact healthcare costs.

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Zack

2 months ago

I think the major risk factors associated with group underwriting are important to consider.

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Vincenza

2 months ago

I believe that a large group is more likely to have a consistent claims pattern compared to a small group.

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Kina

2 months ago

Option D sounds about right. Larger groups tend to have more consistent claims and utilization patterns compared to smaller groups. The law of large numbers and all that, you know.

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