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AHIP AHM-520 Exam - Topic 5 Question 91 Discussion

Most organizations that obtain group healthcare coverage can be classified as one of three types of groups: employer-employee groups, multiple employer groups, and professional associations. One true statement about these types of groups is that
C) Individual members of a multiple-employer group or a professional association typically are required to obtain healthcare coverage through the group or association
A) Anti selection risk is higher for both multiple-employer groups and professional associations than it is for an employer-employee group
B) Private employers typically present a higher underwriting risk to health plans than do public employers
D) I health plan is prohibited, when evaluating the risks represented by a professional association, from considering the industry experience of the agent or broker that sells a group plan to the association

AHIP AHM-520 Exam - Topic 5 Question 91 Discussion

Actual exam question for AHIP's AHM-520 exam
Question #: 91
Topic #: 5
[All AHM-520 Questions]

Most organizations that obtain group healthcare coverage can be classified as one of three types of groups: employer-employee groups, multiple employer groups, and professional associations. One true statement about these types of groups is that

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Suggested Answer: C

by Stephanie at Jul 02, 2024, 08:19 AM

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Naomi
10 months ago
I thought multiple-employer groups had lower risks, guess I was wrong!
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Mona
10 months ago
D seems right, they can't just look at the broker's experience.
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Yolando
10 months ago
Wait, C sounds a bit off. Can they really force members to get coverage through the group?
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Edwin
10 months ago
I disagree with B, public employers can have their own risks too.
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Casey
11 months ago
A is definitely true, anti-selection is a big concern for those groups.
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Kati
11 months ago
I vaguely recall something about how health plans can consider the broker's experience, but I can't remember the specifics.
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Gianna
11 months ago
I practiced a question similar to this where individual members had to get coverage through their group. I think that might be true for multiple-employer groups too.
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Maryln
11 months ago
I'm not entirely sure, but I feel like private employers do present higher underwriting risks compared to public ones.
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Fairy
11 months ago
I remember discussing anti-selection risk in class, and I think it was mentioned that it's generally higher in multiple-employer groups.
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Hester
11 months ago
This question is testing our knowledge of group healthcare coverage, which is an important topic. I'll carefully consider each option and make sure I select the most accurate statement.
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Darnell
11 months ago
I feel pretty confident about this one. The differences in anti-selection risk and underwriting between the group types are something we've covered extensively in class. I'm going with option A.
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Irma
11 months ago
Okay, I think I've got this. The key is understanding how the underwriting risk differs for the group types. I'm leaning towards option A, but I'll double-check my understanding.
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Brynn
11 months ago
This question seems straightforward, but I want to make sure I understand the key differences between the three group types before selecting an answer.
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Anika
12 months ago
Hmm, I'm a bit unsure about the anti-selection risk for multiple-employer groups and professional associations compared to employer-employee groups. I'll need to review that concept.
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Lavina
12 months ago
Okay, let me think this through. The key things I need to look for are that the consent is in writing, has the right information, and is properly signed.
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Rebbecca
12 months ago
I'm a little confused by the options. Channel Account and Commerce Portal don't seem to match the requirements, but I'm not sure if Customer Community or Platform Portal is the better fit. I'll need to review the details again.
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Glory
12 months ago
Okay, let me see. Scheduled messages and batched messages seem like they could be supported, but I'm not sure about the others. I'll try to eliminate the ones that don't seem as likely.
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Corinne
1 year ago
Ah, the joys of group healthcare coverage. Where the rules are made up and the points don't matter. Time to start my own professional association of professional association experts.
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Anna
1 year ago
Wait, so health insurance companies are actually allowed to consider risk factors? I thought they just threw darts at a board to determine premiums.
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Elenora
1 year ago
D) I health plan is prohibited, when evaluating the risks represented by a professional association, from considering the industry experience of the agent or broker that sells a group plan to the association
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Suzan
1 year ago
C) Individual members of a multiple-employer group or a professional association typically are required to obtain healthcare coverage through the group or association
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Sabra
1 year ago
B) Private employers typically present a higher underwriting risk to health plans than do public employers
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Tamesha
1 year ago
A) Anti selection risk is higher for both multiple-employer groups and professional associations than it is for an employer-employee group
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Merilyn
1 year ago
Option D is a bit of a head-scratcher. Why would a health plan be prohibited from considering the industry experience of the agent or broker? Seems like that would be relevant information.
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Evangelina
1 year ago
Hmm, this one's a tough one. I'm leaning towards option B, but I'd better double-check my understanding of public and private employer risk.
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Ciara
1 year ago
C) Individual members of a multiple-employer group or a professional association typically are required to obtain healthcare coverage through the group or association
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Marica
1 year ago
B) Private employers typically present a higher underwriting risk to health plans than do public employers
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Aaron
1 year ago
A) Anti selection risk is higher for both multiple-employer groups and professional associations than it is for an employer-employee group
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Gabriele
1 year ago
Option A seems plausible, but I'm not sure if that's the best answer. The anti-selection risk could vary depending on the specific group.
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Shawn
1 year ago
Option A seems plausible, but I'm not sure if that's the best answer. The anti-selection risk could vary depending on the specific group.
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Van
1 year ago
B) Private employers typically present a higher underwriting risk to health plans than do public employers
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Carisa
1 year ago
A) Anti selection risk is higher for both multiple-employer groups and professional associations than it is for an employer-employee group
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Carlene
1 year ago
I'm not sure, but I think the answer might be D. Health plans can't consider the industry experience of the agent or broker when evaluating risks for a professional association.
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Marilynn
1 year ago
I think option C is the correct answer. Individual members of a multiple-employer group or a professional association are typically required to obtain healthcare coverage through the group or association.
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Alonso
1 year ago
Yeah, that does make sense. It helps with ensuring everyone in the group has access to healthcare benefits.
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Galen
1 year ago
I agree, option C seems to be the most accurate. It makes sense for members to get coverage through the group.
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Erinn
1 year ago
I disagree, I believe the answer is C. Individual members of those groups are usually required to get coverage through the group.
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Beckie
1 year ago
I think the answer is A, because multiple-employer groups and professional associations may have members with higher health risks.
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