AHIP AHM-520 Exam - Topic 3 Question 122 Discussion

Actual exam question for AHIP's AHM-520 exam

Question #: 122
Topic #: 3

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

AHMO and are least likely to enroll in the HMO with the POS option

BHMO and are least likely to enroll in the indemnity plan

CIndemnity plan and are least likely to enroll in the HMO

DIndemnity plan and are least likely to enroll in the HMO with the POS option

Show Suggested Answer

Suggested Answer: B

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

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Karl

11 hours ago

I disagree, A makes more sense for low utilizers.

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Jesusa

6 days ago

Definitely B! HMO is the cheapest option.

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Bulah

11 days ago

HMO is definitely the way to go for saving money!

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Ilene

16 days ago

Not sure about that, I think some might still pick the POS option.

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Georgiann

21 days ago

Wait, why would anyone choose the indemnity plan?

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Sharika

26 days ago

I agree, B makes the most sense for low utilizers.

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Cherry

1 month ago

Definitely B! HMO is the cheapest option.

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Gwen

1 month 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

1 month 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

2 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

2 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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