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American Bankers Association CTFA Exam - Topic 2 Question 83 Discussion

Posted by Twana on Jan 13, 2025 at 12:10 PM

____________ is a hybrid form of HMO that allows members to go outside the HMO network for care and reimburses them at a specified percentage of the cost.

Suggested Answer: C

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28 comments · newest first
NY
Nydia 10 months ago
Really? I didn't know that was how it worked!
TA
Tawna 11 months ago
Totally agree, POS plans are the way to go for flexibility!
VI
Vincenza 11 months ago
No way, I always thought HMOs didn't allow out-of-network care!
MI
Miss 11 months ago
I thought it was a Preferred provider organization.
CH
Christiane 11 months ago
It's definitely a Point-of-service plan!
PA
Pa 12 months ago
I practiced a question similar to this, and I think it was about Point-of-service plans. They seem to have that hybrid aspect, right?
YV
Yvonne 12 months ago
I feel like the answer could be Exclusive provider organization, but I can't recall the specifics about how it reimburses for out-of-network care.
TA
Tammi 12 months ago
I remember something about Preferred provider organizations allowing out-of-network care, but I’m not confident if that fits the definition here.
HO
Hollis 1 year ago
I think this might be a Point-of-service plan, but I'm not entirely sure. It sounds familiar from our last review session.
CR
Craig 1 year ago
I'm pretty confident the answer is D, point-of-service plan. That's the one that fits the description of a hybrid HMO that covers out-of-network care at a specified reimbursement rate.
NI
Niesha 1 year ago
Wait, I'm confused. Is it a PPO or a point-of-service plan? They both allow out-of-network care, right? I need to review my notes on the different types of health plans.
LA
Laura 1 year ago
Okay, I've got this. The key is that it's a hybrid form of HMO that reimburses at a specified percentage for out-of-network care. That sounds like a point-of-service plan to me.
HA
Harrison 1 year ago
Hmm, I'm a bit unsure about this one. I know HMOs and PPOs, but I'm not as familiar with the other options. I'll have to think this through carefully.
MA
Marvel 1 year ago
This question seems straightforward. I think the answer is a point-of-service plan, which allows members to go outside the HMO network for care.
AL
Alease 1 year ago
I'm pretty confident that the answer is D) Point-of-service plan. It's the only one that matches the description of allowing members to go outside the network.
VA
Valentine 1 year ago
Haha, this question is a real head-scratcher. Maybe I should just guess and hope for the best!
SU
Suzi 1 year ago
↳ replying to Valentine
I'm leaning towards C) Exclusive provider organization.
LU
Lura 1 year ago
↳ replying to Valentine
I'm not sure, but I think it might be B) Preferred provider organization.
RO
Rosendo 1 year ago
↳ replying to Valentine
I think it's D) Point-of-service plan.
JU
Justine 1 year ago
I'm not sure, but I'm going to go with B) Preferred provider organization. It seems to fit the description of a hybrid form of HMO.
OL
Oliva 1 year ago
↳ replying to Justine
Let's go with B) Preferred provider organization then.
MA
Malcom 1 year ago
↳ replying to Justine
I agree with you, B) Preferred provider organization sounds like the right choice.
SE
Selene 1 year ago
↳ replying to Justine
I'm leaning towards C) Exclusive provider organization.
SE
Serina 1 year ago
↳ replying to Justine
I think it might be D) Point-of-service plan.
HI
Hildegarde 1 year ago
I think the answer is D) Point-of-service plan. It sounds like the description of a plan that allows members to go outside the network for care.
GE
Gerald 2 years ago
I'm not sure, but I think it's either B) Preferred provider organization or D) Point-of-service plan.
SA
Sabine 2 years ago
I agree with Terrilyn, because a Point-of-service plan allows members to go outside the HMO network for care.
TE
Terrilyn 2 years ago
I think the answer is D) Point-of-service plan.
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