State A, Which Requires Guaranteed Issue of at Least Two

question 137

Multiple Choice

State A, which requires guaranteed issue of at least two mandated healthcare plans, has established a typical health coverage reinsurance program for small employer groups. One true statement about this reinsurance program is that it most likely

• A) is administered by a commercial reinsurance company that operates in State A
• B) allows a small employer carrier operating in State A to reinsure either an entire small group or specific individuals within the group
• C) has, for the coverage on a plan, a base premium, which is multiplied by a factor of 2 in the case of reinsurance on entire groups or a factor of 3 for reinsurance on individuals
• D) prohibits a small employer carrier operating in State A from placing individuals enrolled in small groups in a reinsurance pool 32

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Definitions:

Ascending Reticular Activating System

A network of neurons in the brainstem essential for regulating arousal and consciousness, influencing alertness and the sleep-wake cycle.

Physiological Arousal

The physical state of being alert, involving physiological changes like increased heart rate and adrenaline.

Afferent Fibres

Afferent fibres are nerve fibers that carry sensory information from the body's periphery towards the central nervous system.

Sleep Spindles

Sudden surges of oscillatory brain activity observed during stage 2 of non-REM sleep, associated with learning and memory consolidation.