AHIP AHM-520 Exam - Topic 4 Question 18 Discussion

Actual exam question for AHIP's AHM-520 exam

Question #: 18
Topic #: 4

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

ABoth 1 and 2

B1 only

C2 only

DNeither 1 nor 2

Show Suggested Answer

Suggested Answer: D

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

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Lashawn

5 months ago

But what if someone just wants more flexibility? Indemnity could be better.

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Elise

5 months ago

Totally agree, the HMO makes more sense for those who use healthcare often.

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Kimbery

5 months ago

Wait, are low utilizers really going for the indemnity plan? Seems odd.

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Chu

5 months ago

I think high utilizers would prefer the HMO for better access.

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Bobbye

5 months ago

HMO premiums are definitely lower!

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Kathrine

6 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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