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AHIP AHM-520 Exam - Topic 4 Question 18 Discussion

Actual exam question for AHIP's AHM-520 exam
Question #: 18
Topic #: 4
[All AHM-520 Questions]

The Northwest Company offers its employees the option of choosing to receive their healthcare benefits from an HMO or from a traditional indemnity plan. The premiums for the HMO are lower than for the traditional indemnity plan. In this situation, it is correct to assume that:

Individual low utilizers are more likely to enroll in the traditional indemnity plan

Individual high utilizers are more likely to enroll in the HMO

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Suggested Answer: D

by Nicolette at May 03, 2022, 12:11 PM

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Lashawn
6 months ago
But what if someone just wants more flexibility? Indemnity could be better.
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Elise
6 months ago
Totally agree, the HMO makes more sense for those who use healthcare often.
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Kimbery
7 months ago
Wait, are low utilizers really going for the indemnity plan? Seems odd.
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Chu
7 months ago
I think high utilizers would prefer the HMO for better access.
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Bobbye
7 months ago
HMO premiums are definitely lower!
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Kathrine
7 months ago
Wait, I'm a little confused. Is the answer "what isn't"? Or maybe "what will cost less"? I'll have to re-read the question and options again to make sure I understand it properly.
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Venita
7 months ago
I've got this! The HR profile definitely contains personal employee data, not group membership or login info. Easy peasy, option A is the way to go.
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Rene
7 months ago
I think option A makes sense because if they can borrow at a lower rate, it gives them room to offer discounts like that.
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Cammy
7 months ago
This looks straightforward, I think I can handle it.
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