Question 1

_____ are the least likely age group to have health insurance.

Accepted Answer

Young adults are the least likely age group to have health insurance because they may not be covered under their parents' insurance anymore and may not have access to employer-provided insurance yet. They may also struggle to afford individual insurance plans.

Question 2

The first form of health insurance was called

Accepted Answer

The first form of health insurance was indemnity insurance. It was a fee-for-service model that reimbursed patients for medical expenses incurred during an illness or injury. This type of insurance provided more flexibility in choosing healthcare providers and services but lacked cost-control measures seen in modern health insurance plans.

Question 3

According to a study by Kriss et al.(2008), individuals without health insurance are less likely to

Accepted Answer

The study by Kriss et al.(2008) found that individuals without health insurance are less likely to make and keep medical appointments with medical specialists, obtain needed medications, and seek medical care when needed. Therefore, option D 'All of the above' is the correct choice.

Question 4

A health care system regulates

Accepted Answer

A health care system regulates the type and frequency of services available to individuals enrolled in a specific health program. This includes determining what services are covered, how often they can be accessed, and any restrictions or requirements for receiving those services. While fee schedules and referral processes may also be regulated by a health care system, they do not encompass the full scope of regulatory functions. The referral and treatment process for individuals in an HMO is also a specific aspect of health care regulation, but does not apply to all health care systems.

Question 5

Louis is enrolled in a traditional indemnity plan.He is therefore

Accepted Answer

Louis is allowed to select any provider he chooses under a traditional indemnity plan. This type of plan offers the most flexibility in terms of provider choice but may have higher out-of-pocket costs.

Question 6

Blue Cross/Blue Shield is a _____ insurance company.

Accepted Answer

Blue Cross/Blue Shield is a private insurance company, not owned or operated by the government.

Question 7

Indemnity health insurance is also called a

Accepted Answer

Indemnity health insurance is a type of fee-for-service plan where the policyholder can visit any healthcare provider they choose and the insurance company reimburses a portion of the cost. This type of plan often has higher out-of-pocket costs for the policyholder but offers greater flexibility in terms of choosing healthcare providers. Preferred provider plans (B) limit coverage to a network of providers and often have lower out-of-pocket costs, public health plans (C) are government-funded health plans, and variable rate plans (D) do not necessarily refer to a specific type of health insurance plan.

Question 8

_____ allows individuals to pay a fixed rate for access to health care.

Accepted Answer

Health insurance allows individuals to pay a fixed rate, either monthly or annually, in exchange for access to various medical services and treatments. This can include coverage for doctor visits, prescriptions, hospital stays, and more. Health insurance can be provided through an employer or purchased independently.

Question 9

Health providers are often an individual's _____ with the health care system.

Accepted Answer

Health providers are often the primary or only point of contact an individual has with the health care system. They are the ones who diagnose and treat various health conditions and provide preventive care. Other points of contact such as hospitals, clinics, and pharmacies may also be involved in an individual's care, but health providers play a crucial role in managing their overall health and well-being.

Question 10

The out-of-pocket cost of emergency care is greater for

Accepted Answer

The uninsured typically have to pay more out-of-pocket for emergency care as they do not have coverage or negotiated rates with healthcare providers.

Question 11

The study by Kriss et al.(2008) found that 66% of young adults who do not have health insurance cited _____ as the principal reason.

Accepted Answer

The study found that the principal reason 66% of young adults did not have health insurance was due to the cost of insurance. This indicates that option A is the best choice.

Question 12

Public and private insurance programs provide access to health care for approximately _____ of the U.S.population.

Accepted Answer

Public and private insurance programs together provide access to health care for approximately 85% of the U.S. population, covering a vast majority through various plans including Medicare, Medicaid, and private insurance options.

Question 13

A(n) _____ serves as an intermediary between the individual and the system.

Accepted Answer

The answer of A(n) _____ serves as an intermediary between...

Question 14

Blue Cross/Blue Shield insures approximately _____ million people in the U.S.

Accepted Answer

The answer of Blue Cross/Blue Shield insures approximately _____ million...

Question 15

One of the drawbacks of traditional indemnity plans is that

Accepted Answer

Traditional indemnity plans are often more expensive than other types of health plans because they offer more flexibility in choosing healthcare providers and services.

Question 16

Blue Cross/Blue Shield is referred to as a _____ plan.

Accepted Answer

Blue Cross/Blue Shield is a traditional indemnity plan, which is also known as fee-for-service plan. This means that the insurance company pays a certain percentage of the cost of covered healthcare services, and the patient is responsible for the remainder.

Question 17

The first private, managed care plans were introduced in the

Accepted Answer

The first private, managed care plans were introduced in the 1970s. This was a response to rising healthcare costs and an increasing need for cost containment. The HMO Act of 1973 provided federal funding and support for the development of health maintenance organizations (HMOs), which were one type of managed care plan.

Question 18

In reference to medical care, individuals ages 21-29 are considered to be a(n)

Accepted Answer

The answer of In reference to medical care, individuals ages...

Question 19

Which of the following is NOT a managed care plan

Accepted Answer

Organized Health Management (OHM) is not a type of managed care plan. It is a made-up term that does not actually refer to any established healthcare entity or program. The other options, HMO, PPO, and POS, are all well-known types of managed care plans that operate under varying sets of guidelines and offer different levels of flexibility and coverage.

Question 20

Consumer is to _____ as provider is to

Accepted Answer

The answer of Consumer is to _____ as provider is...

Quiz 12: Health Care Systems and Health Policy: Effects on Health Outcomes