State RegulationsFL specificDifficulty 2/5
A Florida consumer prepays a single organization a fixed fee in exchange for a defined package of dental services delivered by that organization's contracted dentists. This arrangement is best described as:
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Under Chapter 636, Florida Statutes, a prepaid (limited) health service organization contracts, for a prepaid fee, to provide a specified, limited set of health services, such as dental care, through its contracted providers. The prepaid, defined-package structure is the signature of the arrangement: the subscriber pays in advance for a limited menu of services rather than buying insurance indemnification or a mere discount list.
Why the other options are wrong
- A) A Medicare supplement policy fills gaps in Medicare coverage and has nothing to do with a prepaid dental package.
- C) A discount medical plan only entitles members to reduced provider fees; here services are actually provided under a prepaid contract.
- D) A dread disease policy is insurance covering one named disease; this arrangement is prepaid delivery of a limited service package.
Memory hook
Prepay one organization for a limited service menu = Chapter 636 entity.