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(Updated)AHIP Module 3 with completed answers 100% correct. R346,96
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(Updated)AHIP Module 3 with completed answers 100% correct.

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(Updated)AHIP Module 3 with completed answers 100% correct.

Last document update: 1 week ago

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  • June 11, 2024
  • December 25, 2024
  • 10
  • 2023/2024
  • Exam (elaborations)
  • Questions & answers

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  • updatedahip module 3 with completed an

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3  reviews

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By: alex71 • 5 months ago

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By: TheAlphanurse • 6 months ago

GREAT DOC!! DETAILED ANSWERS. VALUE FOR MONEY HONESTLY. GOOD WORK

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By: kihumba • 6 months ago

GREAT DOCUMENT. VERIFIED EXAM QUESTIONS. GREAT VALUE FOR MONEY

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1. Which of the following is a key feature of the Affordable Care Act
(ACA) regarding health insurance coverage?
A) It eliminates the requirement for insurance companies to cover pre-
existing conditions.
B) It requires all citizens to purchase health insurance or face a penalty.
C) It prohibits insurance companies from charging older individuals
higher premiums.
D) It allows insurance companies to deny coverage to individuals with
chronic diseases.
Answer: B) It requires all citizens to purchase health insurance or face a
penalty.
Rationale: The ACA originally included an individual mandate, which
required all Americans to have health insurance or pay a penalty. While
this mandate was repealed at the federal level in 2019, many states
have adopted their own mandates.


2. Which of the following is NOT typically covered by a basic health
insurance plan in the U.S.?
A) Preventive care
B) Emergency services
C) Cosmetic surgery
D) Prescription drugs
Answer: C) Cosmetic surgery
Rationale: Basic health insurance plans typically cover essential health
benefits, such as preventive care, emergency services, and prescription
drugs. Cosmetic surgery is generally not covered unless it is deemed
medically necessary.

,3. Under the ACA, what is the purpose of Medicaid expansion?
A) To reduce the overall costs of health insurance.
B) To provide health coverage to all Americans.
C) To increase the eligibility for Medicaid to include more low-income
individuals.
D) To provide private insurance to people with pre-existing conditions.
Answer: C) To increase the eligibility for Medicaid to include more low-
income individuals.
Rationale: Medicaid expansion under the ACA aimed to extend
coverage to more low-income individuals, especially those who were
previously ineligible based on income and state eligibility rules.


4. What is a Health Maintenance Organization (HMO)?
A) A type of health insurance plan that requires members to use a
network of doctors and hospitals.
B) A health insurance plan that covers only emergency medical care.
C) A private insurance plan that allows free choice of any healthcare
provider.
D) A type of insurance plan that covers only preventive services.
Answer: A) A type of health insurance plan that requires members to
use a network of doctors and hospitals.
Rationale: An HMO requires members to use a network of healthcare
providers, and generally requires referrals from a primary care physician
to see specialists.

,5. Which of the following is a characteristic of a High Deductible
Health Plan (HDHP)?
A) Low deductible and low premiums.
B) High deductible and low premiums.
C) Comprehensive coverage with no deductibles.
D) Low out-of-pocket maximums for covered services.
Answer: B) High deductible and low premiums.
Rationale: HDHPs typically have higher deductibles and lower
premiums. They are designed to encourage individuals to use their
insurance less frequently by requiring more out-of-pocket spending
before coverage kicks in.


6. What is the purpose of the Health Insurance Marketplace?
A) To provide a platform for employers to offer insurance to employees.
B) To allow individuals and families to compare and purchase health
insurance plans.
C) To eliminate the need for employer-sponsored health insurance.
D) To set price controls on healthcare services.
Answer: B) To allow individuals and families to compare and purchase
health insurance plans.
Rationale: The Health Insurance Marketplace, established by the ACA,
allows individuals and families to shop for and purchase health
insurance plans that meet minimum coverage requirements.


7. Which of the following best describes a Preferred Provider
Organization (PPO)?

, A) A plan that offers services only from a single provider network.
B) A health plan that allows the insured to see any doctor but offers
better coverage when using network providers.
C) A plan that requires referrals from a primary care physician for
specialist services.
D) A health plan with low premiums and high deductibles.
Answer: B) A health plan that allows the insured to see any doctor but
offers better coverage when using network providers.
Rationale: A PPO offers more flexibility than an HMO, allowing
members to see out-of-network providers at a higher cost. The plan
provides incentives for using network providers.


8. Which of the following best describes the term "underwriting" in
health insurance?
A) The process by which an insurance company assesses the risk of
insuring a person.
B) The provision that limits the number of claims a policyholder can
make.
C) A legal requirement that all health insurance policies must cover pre-
existing conditions.
D) The maximum amount an insured person can pay for covered
services in a year.
Answer: A) The process by which an insurance company assesses the
risk of insuring a person.
Rationale: Underwriting involves evaluating the risks associated with
insuring a person based on factors like age, health, and lifestyle to
determine premiums and eligibility.

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