Which of the Following Is Not an Advantage of Risk

question 97

Multiple Choice

Which of the following is not an advantage of risk pooling?

• A)By insuring large groups as opposed to individuals, health insurance providers reduce adverse selection.
• B)It gives very sick people in the group the same access to health care at the same premiums as healthy individuals.
• C)It is easier for an insurance company to estimate the average number of claims likely to be filed under a group policy than it is to predict the number of claims likely to be filed under an individual policy.
• D)Individuals who are insured and therefore do not have to pay the full cost of health care services may be inclined to over-use those services.

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Definitions:

Micturition

The process of urination, or the act of expelling urine from the bladder.

Urochrome

The pigment that gives urine its typical yellow color, a product of the breakdown of hemoglobin.

Void

An empty space; a vacuum or gap.

Interstitial Cystitis

A chronic condition causing bladder pressure, bladder pain, and sometimes pelvic pain.