Deck 11: Health Insurance and Healthcare Systems

Question 1

______________ is a federal program for the elderly that covers hospital services.

A) Medicare Part A
B) Medicare Part B
C) Medicaid
D) Federal Employees Health Insurance Program
E) State Child Health Insurance Program

Answer 1

A

Question 2

_______________ is a joint federal-state program that covers mothers with low incomes and their children.

A) Medicare Part A
B) Medicare Part B
C) Medicaid
D) Federal Employees Health Insurance Program
E) State Child Health Insurance Program

Answer 2

C

Question 3

Which of the following is true of the employment-based health insurance system in the United States?

A) The largest number of Americans is covered by health insurance obtained through employment.
B) Large employers generally offer a choice of health plans.
C) Comprehensive plans often include deductibles and copayments.
D) All of these are correct.

Answer 3

D

Question 4

The U.S healthcare system is unusual in which of the following ways, as compared to healthcare systems in other developed countries?

A) The United States spends far more per capita and a higher percentage of its GDP than any other country.
B) The United States has a higher percentage of uninsured patients than other developed countries.
C) The United States has a higher percentage of its costs related to administration than most other developed countries.
D) The United States has a higher percentage of specialists compared to generalists than most other developed countries.
E) All of these are correct.

Question 5

Which of the following is true of Medicare Part D?

A) There are no monthly premiums.
B) Drugs are generally provided without copayments.
C) There is a wide variety of plans providing a range of benefits at a range of costs.
D) All enrollees will obtain benefits greater than the cost of enrollment.

Question 6

Which of the following is needed for a healthcare market to operative effectively?

A) An informed purchaser
B) Purchasing power
C) Multiple competing providers
D) Negotiation
E) All of these are correct.

Question 7

The amount individuals need to pay out-of-pocket before being eligible for insurance coverage is known as the:

A) deductible.
B) copayment.
C) cap.
D) premium.

Question 8

The _____________ is the amount an individual must pay as a portion of the charges for a particular service.

A) deductible
B) copayment
C) cap
D) premium

Question 9

What which of the following is not a likely consequence of being uninsured in the United States?

A) Health care is often delivered too late.
B) Health care is often incomplete.
C) Emergency care is not available.
D) All of these are likely consequences.