Question 1

This government agency was originally established to prevent malaria during World War II:

Accepted Answer

The CDC (Centers for Disease Control and Prevention) was originally established in 1946 as the Communicable Disease Center, in order to prevent the spread of malaria among American troops during World War II.

Question 2

Someone who purchases an insurance policy is the:

Accepted Answer

The subscriber is the person who purchases the insurance policy. They are the main policyholder and are responsible for paying the premiums. The payer may refer to someone who pays the premiums on behalf of the subscriber but is not necessarily the person who initially purchased the policy. The dependent and benefiter are roles that may apply to other individuals covered under the policy, but not the one who purchased it.

Question 3

Programs that use financial incentives to encourage the enrollees to use care services efficiently are known as:

Accepted Answer

Managed care organizations use financial incentives, such as copayments and deductibles, to encourage their enrollees to use healthcare services efficiently and effectively. Nonprofit organizations, preferred provider organizations, and preferred hospital organizations do not typically use financial incentives in the same way.

Question 4

The federal agency that administers Medicare,Medicaid,and CHIP is:

Accepted Answer

The Centers for Medicare & Medicaid Services (CMS) is the federal agency that administers Medicare, Medicaid, and the Children's Health Insurance Program (CHIP). Option A is incorrect because CLIA is a federal laboratory certification program. Option C is incorrect because DOJ is the Department of Justice, which is responsible for enforcing the law and defending the interests of the United States. Lastly, option D is incorrect because OSHA is the Occupational Safety and Health Administration, which is responsible for enforcing workplace safety regulations.

Question 5

In the early days of insurance,what did the government offer to employers for supplying healthcare benefits to employees?

Accepted Answer

In the early days of insurance, the government offered tax breaks to employers for supplying healthcare benefits to employees. This incentivized employers to provide healthcare benefits to their employees without the government having to directly provide healthcare.

Question 6

How did insurance companies guarantee they would make a profit?

Accepted Answer

Insurance companies could guarantee they would make a profit by selecting which patients and treatments they would insure. By covering only low-risk individuals and avoiding expensive treatments, insurance companies could minimize their costs while still collecting premiums. This allowed them to ensure a profit while also limiting the risk they took on. Charging high fees, covering only basic medical care, and increasing rates frequently are all other strategies insurance companies may use to increase their profits, but they are not necessarily guarantees.

Question 7

A health insurance plan that allows the patient to make almost all healthcare decisions independently is:

Accepted Answer

Fee for Service plans typically allow patients the most freedom to choose their healthcare providers and make decisions about their care without needing referrals or pre-approvals.

Question 8

The government program managed independently by each state to provide health care and medications for low-income families that meet certain criteria is:

Accepted Answer

Medicaid is specifically designed to provide health care and medications for low-income families who meet certain eligibility criteria. It is managed independently by each state, which can tailor the program to its specific population's needs. Tricare and Champus are health care programs for military personnel and their families, while Medicare is a federal health care program for those 65 and older, as well as some younger people with disabilities. None of these programs are specifically designed to serve low-income families or those meeting similar eligibility criteria.

Question 9

Information regarding food and other product recalls may be found through:

Accepted Answer

Food and other product recalls are often issued by various government agencies, including the CDC, FDA, and USDA. Therefore, information regarding recalls can be found through all three of these agencies.

Question 10

An insurance plan that is partially funded by an employer is a(n):

Accepted Answer

A group policy is one in which multiple individuals are insured under a single policy, typically through an employer or other group organization. In this case, the employer is partially funding the plan for their employees.

Question 11

All laboratory testing done on humans is regulated through:

Accepted Answer

Clinical Laboratory Improvement Amendments (CLIA) regulate all laboratory testing done on humans in the United States. The Joint Commission primarily accredits healthcare organizations, while the Centers for Medicare and American Medical Association have roles in healthcare but do not specifically regulate laboratory testing.

Question 12

Which government agency is responsible for the safety of all medical devices,such as pacemakers,joint replacements,hearing aids,and contact lenses?

Accepted Answer

The FDA (Food and Drug Administration) is responsible for ensuring the safety and effectiveness of all medical devices that are marketed and sold in the United States. This includes devices such as pacemakers, joint replacements, hearing aids, and contact lenses. The FDA regulates the design, manufacture, and distribution of medical devices and works to ensure that they meet certain standards for safety and effectiveness before they can be sold to consumers.

Question 13

Which insurance company started in Dallas at Baylor Hospital during the Great Depression to help bridge the gap of rising healthcare costs and Americans' decreasing ability to pay for medical services?

Accepted Answer

Blue Cross started in Dallas at Baylor Hospital during the Great Depression to help bridge the gap of rising healthcare costs and Americans' decreasing ability to pay for medical services. Blue Shield, Medicare, and Champus were founded at later dates.

Question 14

The government program that provides health insurance for citizens age 65 and older,those younger than 65 with certain disabilities,and all citizens with end-stage renal disease requiring dialysis or a kidney transplant is:

Accepted Answer

Medicare is the government program that provides health insurance for citizens age 65 and older, those younger than 65 with certain disabilities, and all citizens with end-stage renal disease requiring dialysis or a kidney transplant. Medicaid is a separate program that provides health insurance for low-income individuals and families. Tricare and Champus are programs that provide health insurance for military personnel and their families.

Question 15

The process used to determine if the future services used by the patient in terms of medical services and procedures,facilities,and practitioners are necessary,appropriate,and the most cost-effective is:

Accepted Answer

Utilization management is the process used to determine if the future services used by the patient in terms of medical services and procedures, facilities, and practitioners are necessary, appropriate, and the most cost-effective. It involves comprehensive reviews of an individual's medical record to evaluate the appropriateness of care and services provided. Utilization management programs also make recommendations for alternative options for care, such as outpatient or home care, when appropriate.

Question 16

Which of the following organizations started out as nonprofits in an attempt to control healthcare costs,but eventually evolved into for-profit organizations?

Accepted Answer

HMOs, or Health Maintenance Organizations, were originally created as nonprofit organizations in an effort to control healthcare costs by providing comprehensive care through a network of providers. However, many HMOs eventually became for-profit organizations as the demand for managed care grew and more emphasis was placed on generating profits.

Question 17

The government agency that is primarily responsible for protecting the health of Americans and providing health services for those who are not fully able to take care of themselves is:

Accepted Answer

The Department of Health and Human Services (DHHS) is a government agency that takes care of public health and human services. DHHS oversees a variety of services related to health, including the Centers for Disease Control and Prevention (CDC), the National Institutes of Health (NIH), and the Food and Drug Administration (FDA). DHHS is also responsible for administering programs such as Medicare and Medicaid, which provide health services for those who are not able to fully care for themselves.

Question 18

Workers who identify safety concerns in their place of employment and report them to the appropriate personnel are known as:

Accepted Answer

Workers who identify safety concerns in their place of employment and report them to the appropriate personnel are known as "whistleblowers." "Snitches" has a negative connotation and implies betrayal, while "monitors" and "identifiers" do not necessarily imply reporting of safety concerns.

Question 19

The yearly preset amount before the insurance company pays their portion is the:

Accepted Answer

The deductible is the amount of money that the insured person must pay out of pocket first before the insurance company pays for the remaining expenses. The premium is the amount paid to the insurance company to maintain coverage, the copay is the set amount paid by the patient at each visit, and coinsurance is the percentage the patient pays after the deductible has been met.

Question 20

The federal government delegates the responsibility of regulation of controlled substances,those with the potential for abuse,used in health care to the:

Accepted Answer

The Drug Enforcement Administration (DEA) is the federal agency responsible for regulating controlled substances, including those used in healthcare. The Centers for Disease Control and Prevention (CDC) focuses on disease prevention and control, the Food and Drug Administration (FDA) regulates the safety and effectiveness of drugs and medical devices, and the Clinical Laboratory Improvement Amendments (CLIA) regulates laboratory testing.

Quiz 9: Role of Government Agencies in Healthcare