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AHIP AHM-520 Exam - Topic 4 Question 18 Discussion

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 planIndividual high utilizers are more likely to enroll in the HMO
D) Neither 1 nor 2
A) Both 1 and 2
B) 1 only
C) 2 only

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

Show Suggested Answer Hide Answer
Suggested Answer: D

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

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Lashawn
11 months ago
But what if someone just wants more flexibility? Indemnity could be better.
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Elise
11 months ago
Totally agree, the HMO makes more sense for those who use healthcare often.
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Kimbery
11 months ago
Wait, are low utilizers really going for the indemnity plan? Seems odd.
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Chu
11 months ago
I think high utilizers would prefer the HMO for better access.
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Bobbye
11 months ago
HMO premiums are definitely lower!
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Kathrine
12 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
12 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
12 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
12 months ago
This looks straightforward, I think I can handle it.
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