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:

United States

A country located in North America, characterized by a federal republic form of government consisting of 50 states and a federal district.

Morbidity Rate

A measurement of illness or disease frequency within a specific population during a particular time period, often presented as the proportion of individuals affected.

Mortality Rate

A measure of the frequency of occurrence of death in a defined population during a specified interval of time.

Women

Female human beings considered collectively, experiencing unique societal roles, challenges, and contributions across cultures and history.