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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Rodrigo

2 days 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

7 days 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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