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

5 months 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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Bo

4 months ago

Hmm, that could also be a way to protect against case stripping by ensuring commitment from employees.

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Wilda

4 months ago

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

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Janine

4 months ago

That's right! Requiring a minimum level of participation can help prevent case stripping.

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Nelida

4 months ago

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

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Nancey

5 months 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

4 months ago

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

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Lorean

4 months ago

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

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Edda

5 months ago

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

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Barbra

5 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

6 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

4 months 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

5 months 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

5 months ago

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

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Kimbery

5 months ago

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

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Elvis

5 months ago

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

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Jackie

5 months ago

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

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Sunny

5 months ago

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

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Lenna

6 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

6 months ago

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

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Jani

6 months ago

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

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Tina

6 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

5 months ago

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

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Daniela

5 months ago

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

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Tamra

5 months ago

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

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Genevieve

6 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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