AHIP Exam AHM-250 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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Gilberto

8 days ago

I'm not sure, but I think A could also be correct. Anti selection makes sense in this context.

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Vernell

11 days ago

I agree with Ashleigh, underwriters do focus on factors like group size and stability.

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Ashleigh

15 days ago

I think the correct statement is D.

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