AHIP Exam AHM-520 Topic 5 Question 91 Discussion

Actual exam question for AHIP's AHM-520 exam

Question #: 91
Topic #: 5

Most organizations that obtain group healthcare coverage can be classified as one of three types of groups: employer-employee groups, multiple employer groups, and professional associations. One true statement about these types of groups is that

AAnti selection risk is higher for both multiple-employer groups and professional associations than it is for an employer-employee group

BPrivate employers typically present a higher underwriting risk to health plans than do public employers

CIndividual members of a multiple-employer group or a professional association typically are required to obtain healthcare coverage through the group or association

DI health plan is prohibited, when evaluating the risks represented by a professional association, from considering the industry experience of the agent or broker that sells a group plan to the association

Show Suggested Answer

Suggested Answer: C

by Stephanie at Jul 02, 2024, 08:19 AM

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Carlene

8 days ago

I'm not sure, but I think the answer might be D. Health plans can't consider the industry experience of the agent or broker when evaluating risks for a professional association.

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Marilynn

9 days ago

I think option C is the correct answer. Individual members of a multiple-employer group or a professional association are typically required to obtain healthcare coverage through the group or association.

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Erinn

16 days ago

I disagree, I believe the answer is C. Individual members of those groups are usually required to get coverage through the group.

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Beckie

17 days ago

I think the answer is A, because multiple-employer groups and professional associations may have members with higher health risks.

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