AHIP AHM-250 Exam - Topic 5 Question 61 Discussion

Actual exam question for AHIP's AHM-250 exam

Question #: 61
Topic #: 5

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

Show Suggested Answer

Suggested Answer: C

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

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Serita

4 months ago

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

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Elizabeth

5 months ago

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

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Cecilia

5 months ago

Definitely option C, that's how CRC works!

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Lore

5 months ago

I thought they could charge based on age and health?

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Agustin

5 months ago

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

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Stephen

5 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

5 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

5 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

6 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

6 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

6 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

6 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

6 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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