36 Questions
What are the factors that contribute most to premature death?
Lifestyle And Behaviors
In the 1950s, there was a change in where healthcare services were provided compared to the 2000s. What was this change?
Movement towards hospitals
Which mode of paying for healthcare is most prevalent?
Employment-Based Private Insurance
Which group is more likely to be employed but uninsured?
People of color
Which group is more likely to be unemployed but uninsured?
People who have to pay 100% of premium on former employer's plan
What is the main difference between regressive and progressive forms of financing?
Regressive forms take a falling percentage of income as income increases
Which type of insurance rate setting allows healthier groups to pay less for their insurance premium?
Experience Rating
Which part of Medicare covers hospital care?
Medicare Part A
What is the financing source for Medicare Part B?
Federal revenues
What is the eligibility requirement for Medicaid?
Citizens with income at or below 138% of the Federal Poverty Level
What is the most popular type of health insurance coverage in the 1900s?
Indemnity
Which type of health insurance coverage offers the widest choice of providers and hospitals?
PPO
What is the purpose of a Health Savings Account (HSA)?
To provide tax-free savings
What is the main limitation of the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA)?
Premiums may be unaffordable
Which factor contributes to health care inflation?
Reimbursement System
What is the Medicare Resource Based Relative Value Scale (RBRVS)?
A method to estimate physician payment based on time and effort
What was one problem with the Fee For Service (FFS) payment model?
Doctors could unilaterally set payment prices
What is the current focus of cost containment in healthcare?
Negotiation between payers and providers
Which factor contributes the least to premature death?
Medical Care
Which mode of paying for healthcare has become more prevalent in order to control premium costs?
Out of Pocket
Which mode of paying for healthcare is very expensive since there is no group discount?
Individual Private Insurance
Which group is more likely to be employed but uninsured?
People of Color (POCs)
What is the financing source for Medicare Part B?
General tax revenues
What is the main limitation of the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA)?
It only provides temporary coverage
Which type of health insurance coverage requires a PCP and has limited choice of physicians?
HMO
What is the main limitation of the Health Maintenance Organizations (HMOs) plan?
Limited choice of physicians
Which type of health insurance coverage allows enrollees to self-refer to another physician and has a wide choice of providers and hospitals?
PPO
What is the main limitation of the Point of Service (POS) plan?
Co-payments for non-network care are high
Which type of insurance rate setting allows healthier groups to pay less for their insurance premium?
Experience Rating
What is the financing source for Medicare Part A?
Social security taxes
What is the eligibility requirement for Medicaid?
citizens with an income at or below 138% of the Federal Poverty Level and any other conditions set by individual states
What are the financial barriers to insurance?
Lack of Insurance
Which type of payment model involves an established rate to cover a person's medical care for a specified time?
Capitation
What is the main purpose of the Medicare Resource Based Relative Value Scale (RBRVS)?
To correct for bias in physician payments
What is the current focus of cost containment in healthcare?
Negotiation between payers and providers
What is one challenge of setting fair rates based on patient health risks in risk-adjusted capitation?
Determining the estimate time and effort required for each medical service
Quiz: Understanding the Challenges of Being Employed or Unemployed Without Health Insurance
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