Most Organizations That Obtain Group Healthcare Coverage Can Be Classified

question 46

Multiple Choice

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

• 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
• C) Individual members of a multiple-employer group or a professional association typically are required to obtain healthcare coverage through the group or association 29 -
• 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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Definitions:

Job Satisfaction

The level of contentment employees feel about their work, which can influence their performance and commitment.

Safety Compliance

Adherence to laws, regulations, and standards aimed at ensuring the safety and well-being of individuals in the workplace.

Innovation

The process of developing new ideas, methods, or products to improve or replace existing ones.

Protection Of One's Turf

The actions individuals or groups take to safeguard their interests or areas of responsibility, often against perceived threats or encroachments.