State RegulationsOH specificDifficulty 1/5
How does a health insuring corporation (HIC) typically make health care services available to its members?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under the Ohio Revised Code Chapter 1751 framework, an HIC's structure centers on an organized health care delivery system: care is furnished by physicians, hospitals, and other providers that are affiliated with or under contract to the HIC. This organized provider structure is what allows the HIC to manage both the delivery and the financing of care, and it is supervised by the Ohio Department of Insurance.
Why the other options are wrong
- B) Unlimited reimbursement from any provider describes an indemnity arrangement and contradicts the HIC's limited-choice, network-based design.
- C) Mail-order catalogs for equipment are not the mechanism by which an HIC delivers medical services to members.
- D) Cash grants to buy other coverage would make the HIC a financing vehicle only; the HIC model instead furnishes care through its own provider system.
Memory hook
An HIC's care flows through its contracted provider network, not through open reimbursement.