Arkansas Life and Health Insurance Practice Exam

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Prepare for the Arkansas Life and Health Insurance Exam with comprehensive quizzes and multiple-choice questions. Each question comes with detailed hints and explanations to help you succeed. Gain confidence as you study for your insurance licensing exam!

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All are true of HMO subscribers, except:

  1. Subscribers are charged a flat rate for all services

  2. Subscribers can use any medical provider

  3. Subscribers do not need to file claim forms

  4. Subscribers do not pay a copayment

The correct answer is: Subscribers are charged a flat rate for all services

Option A is incorrect because HMO (Health Maintenance Organization) subscribers are not typically charged a flat rate for all services. Instead, HMOs usually operate on a system of copayments for services rendered. This means that subscribers will need to pay a predetermined amount for each visit or service they receive. Options B and C are incorrect because HMO subscribers are generally required to use a specific network of medical providers and do not need to file claim forms. These are common characteristics of HMO plans. Option D is correct because HMO subscribers are typically required to pay a copayment for services received, as mentioned earlier.

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