AHIP AHM-250 Exam - Topic 6 Question 89 Discussion

Actual exam question for AHIP's AHM-250 exam

Question #: 89
Topic #: 6

The following statements are about concepts related to the underwriting function within a health plan. Select the answer choice containing the correct statement.

AAnti selection refers to the fact that individuals who believe that they have a less-than-average likelihood of loss tend to seek healthcare coverage to a greater extent than do individuals who believe that they have an average or greater-than-average like

BFederally qualified HMOs are required to medically underwrite all groups applying for coverage.

CTypically, a health plan guarantees the premium rate for a group health contract for a period of five years.

DWhen evaluating the risk for a group policy, underwriters typically focus on such factors as the size of the group, the stability of the group, and the activities of the group.

Show Suggested Answer

Suggested Answer: D

by Lamar at Jun 01, 2024, 10:11 PM

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Shantell

4 months ago

Five years for premium rates? That seems a bit long, right?

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Josephine

4 months ago

D is definitely the right choice here, makes sense!

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Jestine

4 months ago

Wait, are HMOs really required to medically underwrite all groups?

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Shawnna

4 months ago

Totally agree, it's all about risk perception!

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Tashia

5 months ago

Anti selection is a real issue in health insurance.

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Orville

5 months ago

I definitely recall that underwriters look at group size and stability, so I think D could be the right choice here.

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Portia

5 months ago

The five-year premium guarantee sounds familiar, but I feel like it might vary by plan or state regulations.

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Brande

5 months ago

I think I saw a practice question about HMOs and underwriting, and I’m pretty sure they don’t medically underwrite all groups.

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Latonia

5 months ago

I remember studying anti-selection, but I’m not sure if it’s about people thinking they’re healthier or if it’s the opposite.

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Verda

5 months ago

I'm a little confused by the wording of some of these options. I may need to re-read the question a few times to make sure I fully understand what each statement is saying before selecting an answer.

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Whitley

5 months ago

This is a good test of my knowledge on health insurance underwriting. I feel like I have a solid grasp of these concepts, so I'm going to go with my first instinct on the correct statement.

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Jenelle

5 months ago

Okay, let me think this through step-by-step. The key things to focus on are the specific details about anti-selection, HMO requirements, premium guarantees, and the factors underwriters consider. I think if I analyze each option closely, I can figure out the right answer.

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Anglea

5 months ago

Hmm, I'm a bit unsure about this one. The concepts around underwriting and group health plans can be tricky. I'll need to carefully read through the options to make sure I understand which one is correct.

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Ceola

6 months ago

This question seems pretty straightforward. I'm pretty confident I can identify the correct statement about health plan underwriting.

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Trevor

6 months ago

Hmm, I'm a bit unsure about this one. I know vxconfigd is important for Veritas, but I can't remember if that's the specific daemon for the interface. I'll have to think this through carefully.

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Gilma

6 months ago

I'm pretty sure the answer is A, but I'll double-check the details just to be sure.

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Laurel

10 months ago

Wait, so the underwriters are looking at the group's 'activities'? Like, are they checking if the group has a bowling team or something?

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Pansy

9 months ago

Yeah, they're not checking for bowling teams. They're looking at things like the group's overall health and potential risks.

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Adelina

9 months ago

D) When evaluating the risk for a group policy, underwriters typically focus on such factors as the size of the group, the stability of the group, and the activities of the group.

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Gilberto

9 months ago

Yes, they look at factors like the group's size, stability, and the type of activities they engage in to assess risk.

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Hui

10 months ago

D) When evaluating the risk for a group policy, underwriters typically focus on such factors as the size of the group, the stability of the group, and the activities of the group.

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Kyoko

10 months ago

A) Anti selection refers to the fact that individuals who believe that they have a less-than-average likelihood of loss tend to seek healthcare coverage to a greater extent than do individuals who believe that they have an average or greater-than-average like

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Carin

10 months ago

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Ceola

11 months ago

Option B is the way to go. Federally qualified HMOs are required to underwrite all groups, right?

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Lezlie

9 months ago

Definitely. It's an important part of the underwriting process to determine the appropriate premium rates for each group.

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Clay

10 months ago

That makes sense. It helps ensure that the health plan is able to accurately assess the risk of each group.

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Kristin

10 months ago

Yes, that's correct. Federally qualified HMOs are required to medically underwrite all groups applying for coverage.

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Dewitt

11 months ago

I'm going with C. Five-year premium rate guarantees? That's gotta be a trick question!

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Viva

11 months ago

Option A sounds right to me. Anti-selection is when individuals who believe they have a higher risk of loss seek coverage more often.

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Pamella

9 months ago

Yes, option A is the correct statement. Anti-selection plays a big role in how individuals seek healthcare coverage.

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Valentine

10 months ago

Option A is definitely the right choice. Anti-selection is an important concept in underwriting.

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Cassandra

10 months ago

I agree, option A is the correct statement. It's all about individuals seeking coverage based on their perceived risk.

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Leana

10 months ago

I think option A is correct. Anti-selection is when individuals with lower risk seek coverage more.

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Shoshana

11 months ago

I think option D is the correct answer. Underwriters do focus on factors like group size, stability, and activities when evaluating risk for a group policy.

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