Discuss AHIP AHM-250 Exam Topic 5 Question 61

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,

Awas allowed to use no more than four rating classes when determining how much to charge the group for health coverage

Bwas required to make the average premium in each class no more than 105% of the average premium for any other class

Cdivided 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

Dcharged 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

Suggested Answer: C

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13 comments · newest first

Serita 12 months ago

Yeah, D is correct! No adjustments for demographics at all.

Elizabeth 1 year ago

Wait, they can't adjust for anything? That seems off.

Cecilia 1 year ago

Definitely option C, that's how CRC works!

Lore 1 year ago

I thought they could charge based on age and health?

Agustin 1 year ago

Community rating by class means everyone pays the same in a group!

Stephen 1 year 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.

Sunny 1 year 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?

Lezlie 1 year 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.

Eladia 1 year 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.

Leah 1 year 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.

Audry 1 year 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.

Florinda 1 year 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.

Rosio 1 year 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.

AHIP AHM-250 Exam - Topic 5 Question 61 Discussion