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AHIP AHM-250 Exam - Topic 5 Question 61 Discussion

When determining the premium rates it will charge a particular group, the Blue Jay Health Plan used a rating method known as community rating by class (CRC). Under this rating method, Blue Jay,
C) divided its members into rating classes based on demographic factors, experience, or industry characteristics, and then charged each member in a rating class the same premium
A) was allowed to use no more than four rating classes when determining how much to charge the group for health coverage
B) was required to make the average premium in each class no more than 105% of the average premium for any other class
D) charged all employers or other group sponsors the same dollar amount for a given level of medical benefits, without adjustments for age, gender, industry, or experience

AHIP AHM-250 Exam - Topic 5 Question 61 Discussion

Actual exam question for AHIP's AHM-250 exam
Question #: 61
Topic #: 5
[All AHM-250 Questions]

When determining the premium rates it will charge a particular group, the Blue Jay Health Plan used a rating method known as community rating by class (CRC). Under this rating method, Blue Jay,

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Suggested Answer: C

by Helaine at Nov 16, 2022, 08:04 PM

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Serita
10 months ago
Yeah, D is correct! No adjustments for demographics at all.
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Elizabeth
11 months ago
Wait, they can't adjust for anything? That seems off.
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Cecilia
11 months ago
Definitely option C, that's how CRC works!
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Lore
11 months ago
I thought they could charge based on age and health?
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Agustin
11 months ago
Community rating by class means everyone pays the same in a group!
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Stephen
11 months ago
I feel like option D is too simplistic for community rating by class. It seems like they would need to consider more factors than just a flat rate for everyone.
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Sunny
11 months ago
I’m a bit uncertain about the specifics of CRC. Wasn’t there something about limits on how much the premiums could differ between classes?
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Lezlie
11 months ago
I remember practicing a question about how premiums are set, and I think option C sounds familiar because it mentions charging the same premium within a class.
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Eladia
12 months ago
I think community rating by class means they group people based on certain factors, but I'm not sure if it's just demographics or if it includes other things too.
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Leah
12 months ago
Okay, let me break this down step-by-step. Data center cooling systems need to maintain a precise temperature, so the answer is likely one of the smaller temperature ranges.
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Audry
12 months ago
Hmm, I'm not sure if I should use `response.text` or `response.json()` here. I'll need to double-check the documentation to make sure I'm accessing the data correctly.
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Florinda
12 months ago
Okay, I've got this! Monitoring production output and taking corrective action when needed - that's definitely capacity control. I'm confident option C is the correct answer.
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Rosio
12 months ago
I practiced a question similar to this, and I'm almost certain the statement is true, but I might be mixing up the details.
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