Question 1

Which includes the identification of disease and the provision of care and treatment to persons who are sick, injured, or concerned about their health status?

Accepted Answer

Medical care includes the identification of disease and the provision of care and treatment to persons who are sick, injured, or concerned about their health status.

Question 2

Which type of health insurance coverage has costs that are typically less per person and provides broader coverage?

Accepted Answer

Group health insurance typically has lower costs per person because the risk is spread across a larger number of people, and it often provides broader coverage compared to individual health insurance.

Question 3

Which legislation provides civilian employees of the federal government with medical care, survivors' benefits, and compensation for lost wages?

Accepted Answer

The Federal Employees' Compensation Act provides civilian employees of the federal government with medical care, survivors' benefits, and compensation for lost wages due to work-related injuries or illnesses.

Question 4

Which party signs a contract with a health insurance company and thus, owns the health insurance policy?

Accepted Answer

The policyholder is the individual or entity that signs the contract with the health insurance company and owns the health insurance policy.

Question 5

Which serves as a system of checks and balances for labor and management?

Accepted Answer

A third-party administrator (TPA) acts as an intermediary between labor and management, ensuring that both parties adhere to agreed-upon terms and conditions, thus serving as a system of checks and balances.

Question 6

Which classification system was developed by the World Health Organization and used to collect data for statistical purposes?

Accepted Answer

The International Classification of Diseases (ICD) is developed by the World Health Organization (WHO) and is used globally to collect data for statistical purposes related to diseases and health conditions.

Question 7

Which provides coverage for catastrophic or prolonged illnesses and injuries?

Accepted Answer

Major medical insurance is designed to cover catastrophic or prolonged illnesses and injuries, providing comprehensive coverage for significant medical expenses.

Question 8

Which provides health insurance coverage?

Accepted Answer

The answer of Which provides health insurance coverage?
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Question 9

Which type of insurance has as its goal providing every individual with access to health coverage, regardless of the system implemented to achieve that goal?

Accepted Answer

Universal health insurance aims to provide health coverage to all individuals, ensuring access to healthcare services regardless of the system used to implement it.

Question 10

Which act provided federal grants for modernizing hospitals that had become obsolete because of a lack of capital investment during the Great Depression and World War II (1929 to 1945)?

Accepted Answer

The Hill-Burton Act, passed in 1946, provided federal grants for the construction and modernization of hospitals, addressing the lack of capital investment during the Great Depression and World War II.

Question 11

Which is a centralized health care system adopted by some Western nations (e.g., Canada, Great Britain) and funded by taxes?

Accepted Answer

Single-payer plans are centralized health care systems in which the government is the sole payer for health care services. This means that all citizens are covered by the same plan, and there are no private health insurance companies. Single-payer plans are funded by taxes, and they typically provide comprehensive coverage for a wide range of health care services.

Question 12

Which is the amount for which the patient is financially responsible before an insurance policy provides payment?

Accepted Answer

The deductible is the amount a patient must pay out-of-pocket before the insurance company begins to cover expenses.

Question 13

Which may specifically result in the early detection of health problems, allowing less drastic and less expensive treatment options?

Accepted Answer

Preventive examinations are designed to detect health issues early, potentially allowing for less invasive and less costly treatments.

Question 14

Which legislation protects and compensates railroad workers who are injured on the job?

Accepted Answer

The Federal Employers' Liability Act (FELA) is the legislation that protects and compensates railroad workers who are injured on the job.

Question 15

Which type of health insurance coverage is subsidized by employers and other organizations?

Accepted Answer

Group health insurance is typically subsidized by employers and other organizations, as they often pay a portion of the premium costs for their employees.

Question 16

Title XIX of the Social Security Amendments of 1965 is a cost-sharing program between the federal and state governments to provide health care services to low-income Americans. It is a government plan known as __________.

Accepted Answer

Title XIX of the Social Security Amendments of 1965 established Medicaid, a joint federal and state program that helps with medical costs for some people with limited income and resources.

Question 17

Which type of health insurance coverage includes federal and state government health programs (e.g., Medicare, Medicaid, SCHIP, TRICARE) that are available to eligible individuals?

Accepted Answer

Public health insurance includes government programs like Medicare, Medicaid, SCHIP, and TRICARE, which are available to eligible individuals.

Question 18

A lifetime maximum amount is the maximum benefits payable to a __________.

Accepted Answer

A lifetime maximum amount is the maximum benefits payable to a health plan participant over the course of their lifetime under a specific health insurance policy.

Question 19

Which type of health insurance coverage is purchased by families who do not have access to employer-subsidized coverage?

Accepted Answer

Individual health insurance is purchased by families or individuals who do not have access to employer-subsidized coverage.

Question 20

Which is a type of single-payer system in which the government owns and operates health care facilities and providers (e.g., physicians) receive salaries?

Accepted Answer

Socialized medicine is a system where the government owns and operates healthcare facilities, and healthcare providers are government employees who receive salaries.

Quiz 2: Introduction to Health Insurance