Because a health plan cannot decline coverage for individuals who are eligible for conversion of group health coverage to individual health coverage, the bulk of the health plan's underwriting for conversion policies is accomplished through health plan design.
Answer(s): A
The Cardinal health plan complies with all of the provisions of HIPAA.Cardinal has received requests for healthcare coverage from the following companies that meet the statutory definition of a small group:The Xavier Company has excellent claims experienceThe Youngblood Company has not previously offered group healthcare coverage to its employeesThe Zebulon Company has poor claims experienceAccording to HIPAA's provisions, Cardinal must issue a healthcare contract to
Over time, health plans and their underwriters have gathered increasingly reliable information about the morbidity experience of small groups.Generally, in comparison to large groups, small groups tend to
The Lighthouse health plan operates in a state that allows the health plan to use an underwriting method of determining a group's premium in which underwriters treat several small groups as one large group for risk assessment purposes. This method, which helps Lighthouse more accurately estimate a small group's probable claims costs, is known as
Answer(s): D
The following statements are about a health plan's underwriting of small groups. Select the answer choice containing the correct statement.
Answer(s): C
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