Arkansas Life and Health Insurance Practice Exam

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Which of the following statements regarding HMOs in Arkansas is correct?

HMOs are required to cover experimental treatments
HMOs do not need to cover preventive services
HMOs must have an annual open enrollment period of at least one month
HMOs must provide coverage only in urban areas

The correct answer is: HMOs are required to cover experimental treatments

In Arkansas, Health Maintenance Organizations (HMOs) are required to cover experimental treatments. This means that if a treatment is considered experimental by the medical community but is deemed necessary for a patient's health, the HMO must still provide coverage for it. This ensures that individuals have access to potentially life-saving treatments, even if they are not yet widely accepted by the medical field. The other options are incorrect: B. HMOs are required to cover preventive services to promote and maintain their members' health and well-being. C. HMOs often have specific enrollment periods throughout the year, but there is no specific requirement for the duration of the open enrollment period. D. HMOs are expected to provide coverage in both urban and rural areas to ensure access to healthcare services for all of their members, not just those in urban areas.