State RegulationsOH specificDifficulty 1/5
A defining feature of the HIC model is limited choice of providers. This means that members:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Because an HIC under Ohio Revised Code Chapter 1751 arranges care through its own organized provider system, members' choice of providers is limited to the participating network if they want covered routine services. This limited choice is a trade-off for the prepaid, coordinated coverage the HIC offers, and it is a recognized structural feature supervised by the Ohio Department of Insurance.
Why the other options are wrong
- B) Identical cost sharing for any provider nationwide describes open-access indemnity coverage, not the HIC's limited-choice design.
- C) Providers outside the service area are not the basis of the HIC's delivery system; the network operates within the service area.
- D) The Ohio Department of Insurance regulates HICs but does not choose individual members' providers.
Memory hook
Limited choice = stay in the HIC network for routine covered care.