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AHIP AHM-520 Exam - Topic 3 Question 122 Discussion

The Violin Company offers its employees a triple option of health plans: an HMO, an HMO with a point of service (POS) option, and an indemnity plan.Premiums are lowest for the HMO option and highest for the indemnity plan. Violin employees who anticipate that they will be individual low utilizes of healthcare services are most likely to enroll in the
B) HMO and are least likely to enroll in the indemnity plan
A) HMO and are least likely to enroll in the HMO with the POS option
C) Indemnity plan and are least likely to enroll in the HMO
D) Indemnity plan and are least likely to enroll in the HMO with the POS option

AHIP AHM-520 Exam - Topic 3 Question 122 Discussion

Actual exam question for AHIP's AHM-520 exam
Question #: 122
Topic #: 3
[All AHM-520 Questions]

The Violin Company offers its employees a triple option of health plans: an HMO, an HMO with a point of service (POS) option, and an indemnity plan.

Premiums are lowest for the HMO option and highest for the indemnity plan. Violin employees who anticipate that they will be individual low utilizes of healthcare services are most likely to enroll in the

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Suggested Answer: B

by Celeste at Mar 07, 2026, 03:42 AM

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Aleisha
1 month ago
Wait, why would anyone choose the indemnity plan?
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Karl
2 months ago
I disagree, A makes more sense for low utilizers.
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Jesusa
2 months ago
Definitely B! HMO is the cheapest option.
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Bulah
2 months ago
HMO is definitely the way to go for saving money!
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Ilene
2 months ago
Not sure about that, I think some might still pick the POS option.
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Georgiann
2 months ago
Wait, why would anyone choose the indemnity plan?
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Sharika
2 months ago
I agree, B makes the most sense for low utilizers.
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Cherry
3 months ago
Definitely B! HMO is the cheapest option.
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Gwen
3 months ago
I feel like the POS option might confuse things a bit, but I still think B is the right answer since it’s the cheapest for those who don’t use much healthcare.
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Lea
3 months ago
I practiced a question similar to this, and I think the HMO is definitely the best choice for low utilizers, so I lean towards B too.
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Rodrigo
3 months ago
I'm not entirely sure, but I think the indemnity plan is more for people who expect to use more services, which might rule out C and D.
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Lorean
3 months ago
I remember studying that HMO plans are usually the most cost-effective for low utilizers, so I think B makes sense.
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