AHIP Exam AHM-520 Topic 3 Question 99 Discussion

Actual exam question for AHIP's AHM-520 exam

Question #: 99
Topic #: 3

One way that a health plan can protect itself against case stripping is by requiring:

AEmployees covered by a small group plan to contribute 100% of the cost of the healthcare coverage

BThe small group to have no more than 10 members

CA minimum level of participation in order for a small group to be eligible for healthcare coverage

DIts underwriters to consider the characteristics of the employer, but not of the group members, when underwriting the group

Show Suggested Answer

Suggested Answer: C

by Tawny at Sep 14, 2024, 02:26 PM

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Madonna

28 days ago

Hmm, this question is like a riddle wrapped in a mystery inside an enigma. Time to put on my thinking cap and decode the case stripping conundrum!

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Nancey

29 days ago

B is too restrictive. A small group with no more than 10 members? That's just asking for trouble when it comes to risk pooling.

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Amira

3 days ago

I agree, B does seem too restrictive. C sounds like a better option to ensure proper risk pooling.

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Lorean

7 days ago

C) A minimum level of participation in order for a small group to be eligible for healthcare coverage

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Edda

10 days ago

A) Employees covered by a small group plan to contribute 100% of the cost of the healthcare coverage

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Barbra

1 months ago

A is a bit extreme, don't you think? Requiring 100% employee contribution seems a bit overkill for protecting against case stripping.

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Eleonore

1 months ago

D seems like the best option to me. The underwriter should focus on the employer's characteristics, not the individual group members.

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Lonny

5 days ago

It's important to strike a balance between the employer and group members when underwriting a small group plan.

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Lorrine

22 days ago

I see your point, but I still think option D is the most effective way to protect against case stripping.

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Dorinda

23 days ago

I think focusing on the employer's characteristics can help prevent case stripping.

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Kimbery

28 days ago

But wouldn't it be important to also consider the characteristics of the group members?

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Elvis

29 days ago

I think option C is also important. Having a minimum level of participation can help prevent case stripping.

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Jackie

30 days ago

I agree, option D makes the most sense. It's important to look at the employer's characteristics.

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Sunny

1 months ago

I agree, option D seems like the most logical choice.

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Lenna

2 months ago

I'm not sure about that. I think D) Its underwriters to consider the characteristics of the employer is also important to protect against case stripping.

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Arthur

2 months ago

I agree with Jani. Requiring a minimum level of participation makes sense to prevent case stripping.

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Jani

2 months ago

I think the answer is C) A minimum level of participation.

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Tina

2 months ago

I think the correct answer is C. Requiring a minimum level of participation ensures that the group is large enough to spread the risk and prevent case stripping.

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Peter

22 days ago

So, the key is to make sure there are enough members in the group to avoid case stripping.

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Daniela

24 days ago

It makes sense, spreading the risk among more members can help prevent case stripping.

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Tamra

29 days ago

I agree, having a minimum level of participation is important for the health plan to protect itself.

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Genevieve

1 months ago

I think the correct answer is C. Requiring a minimum level of participation ensures that the group is large enough to spread the risk and prevent case stripping.

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