Question 1

Individuals who believe their HIPAA rights were violated may file complaints with:

Accepted Answer

Individuals who believe their HIPAA rights were violated may file complaints with their health provider, their insurance company, or the federal government. This can be done through filing a complaint with the Office for Civil Rights (OCR) within the Department of Health and Human Services (HHS).

Question 2

Employees and their families who lose employment health benefits have the right to elect to continue group health benefits provided by their group health plan for specified limited periods of time under:

Accepted Answer

The Consolidated Omnibus Budget Reconciliation Act (COBRA) of 1985 allows employees and their families to continue group health benefits for a limited period of time after losing employment. This includes situations such as job loss, reduction in hours, death of the employee or divorce. COBRA coverage is usually more expensive than the regular group coverage because the employer no longer pays a portion of the premium, but it can provide a safety net for those who would otherwise be without health insurance.

Question 3

A federal program that pays for specified health care expenses for individuals who are 65 years of age or older is known as _________.

Accepted Answer

Medicare is the federal program that provides health care coverage for individuals who are 65 years of age or older. Medicaid is a separate program administered by states that provides health care coverage for low-income individuals and families. The Affordable Care Act and Health Insurance Portability and Accountability Act are federal laws related to health care, but they do not provide direct health care coverage to individuals.

Question 4

Which law requires each state to establish a health insurance exchange?

Accepted Answer

The Patient Protection and Affordable Care Act (commonly known as the ACA or Obamacare) requires each state to establish a health insurance exchange where individuals and small businesses can purchase health insurance. This exchange is also known as the Health Insurance Marketplace. Option A, B, and C are not relevant to this requirement.

Question 5

Under the Health Insurance Portability and Accountability Act of 1996 a patient's medical information may be shared without patients' authorization for the purpose of _______________.

Accepted Answer

According to HIPAA, patient's medical information may be shared without authorization for the purpose of treatment. This means that healthcare providers and professionals may share patient information as necessary to provide and coordinate healthcare services. However, before sharing any patient's medical information, healthcare providers must ensure that they comply with HIPAA regulations and take measures to protect patient privacy and confidentiality. Sharing patient information for public notice, education or media coverage requires authorization from the patient.

Question 6

Insurance coverage that provides supplementary income to make up for lost wages due to an illness or accident that prevents an employee from working at his or her regular employment is knows as:

Accepted Answer

Disability insurance provides supplementary income when an employee is unable to work due to an illness or accident, making up for lost wages. Medicaid is a government program that provides health insurance for those with low income or disabilities. A health maintenance organization is a type of health insurance plan, and family plans refer to health insurance plans that cover the whole family, not specifically income support in case of disability.

Question 7

The document in which a person directs his or her physician and /or health proxy to forgo certain extraordinary (heroic) medical procedures if, for example, the person is dying or permanently unconscious is called a:

Accepted Answer

A living will is a legal document that outlines a person's wishes regarding medical treatment in the event they are unable to communicate their desires themselves. It typically addresses end-of-life care and can include instructions on forgoing heroic measures such as artificial respiration and feeding tubes. A durable power of attorney, on the other hand, designates a person to make medical decisions on someone's behalf if they are incapacitated. A contract is a legal agreement between two or more parties, and a health care compact is not a commonly used term in the context of advance directives.

Question 8

An individual must demonstrate that he or she is __________ when signing an advance directive.

Accepted Answer

The individual must be competent, meaning they have the mental capacity to understand and make decisions about their healthcare.

Question 9

A federal statute that provides an individual with rights over his or her health information and establishes limits on who is permitted to view and receive health information is ____________.

Accepted Answer

The Health Insurance Portability and Accountability Act of 1996 (HIPAA) provides individuals with rights over their health information, including the right to access and obtain a copy of their health records, and limits on who is permitted to view and receive health information. The other options listed are federal statutes related to healthcare but do not specifically address individual rights over health information.

Question 10

A type of umbrella health insurance policy that covers serious illnesses and lengthy hospitalizations is ______________.

Accepted Answer

Major medical health insurance policies are designed to provide coverage for serious illnesses, injuries, and hospitalizations. They often have higher deductibles and out-of-pocket costs than other types of health insurance policies, but they also provide more comprehensive coverage in case of a major medical event. Medicare is a government-sponsored health insurance program for people over 65 or with disabilities. Health maintenance organizations (HMOs) and community-based health insurance policies may provide some coverage for major medical events, but they typically have more limited coverage options.

Question 11

A relatively inexpensive insurance that covers employees' beneficiaries in the event of loss of life is known as:

Accepted Answer

Group life insurance is a relatively inexpensive insurance that provides coverage to employees' beneficiaries in the event of their loss of life. COBRA is a federal law that allows employees to continue their health insurance coverage for a limited time after leaving their job. Medicaid is a government-funded health insurance program for low-income individuals and families. A cafeteria plan is a flexible benefit plan that allows employees to choose from a selection of benefits and pay for them with pre-tax dollars. None of these options specifically provide coverage for employees' beneficiaries in the event of loss of life.

Question 12

The two most commonly used advance directives are ________________.

Accepted Answer

The living will and the durable power of attorney are the two most commonly used advance directives. The living will specifies a person's preferences for end-of-life medical treatment, while the durable power of attorney designates someone to make healthcare decisions on their behalf if they become unable to do so. Physicians and lawyers may be involved in creating and implementing advance directives, but they are not types of advance directives themselves. Annuities and life insurance are financial products and not types of advance directives. Contracts and health insurance may be relevant to healthcare decision-making but are not advance directives.

Question 13

An organization that provides health insurance by coordinating services with specific doctors, hospitals, and other health care providers is _______________.

Accepted Answer

A health maintenance organization (HMO) is an organization that provides health insurance by coordinating services with specific doctors, hospitals, and other health care providers. HMOs have networks of providers that patients must use in order to receive coverage for medical care.

Question 14

An advance directive only takes effect when the individual becomes incapable of making treatment decisions that, in some states, must be confirmed by at least two __________.

Accepted Answer

In some states, an advance directive must be confirmed by at least two licensed physicians before it can take effect. This helps ensure that the individual's wishes are respected and that treatment decisions are made in their best interest. Option B, C, and D are not the correct answer as they are not involved in the confirmation process of an advance directive.

Question 15

The Patient Protection and Affordable Care Act (PPACA) requires that group health insurance plans that provide coverage for dependent children continue to make coverage available for an adult child until the child reaches _____________.

Accepted Answer

The PPACA requires that group health insurance plans that provide coverage for dependent children continue to make coverage available for an adult child until the child reaches the age of 26. The other options (A, B, and D) are not correct.

Question 16

Under the Patient Protection and Affordable Care Act all individuals, unless covered by an employer or government sponsored insurance coverage, must _______________.

Accepted Answer

According to the Patient Protection and Affordable Care Act, all individuals are required to maintain minimal essential health insurance coverage, unless covered by an employer or government-sponsored insurance coverage.

Question 17

A federal health care program for certain individuals and families with low incomes is known as ___________.

Accepted Answer

Medicaid is a federal health care program designed to provide medical assistance to certain individuals and families with low incomes. Medicare is a federal health insurance program primarily for seniors and those with disabilities. The Affordable Care Act (ACA) is a comprehensive health care reform law that aims to increase access to affordable health insurance. The Health Insurance Portability and Accountability Act (HIPAA) is a federal law that protects individuals' health information privacy and security.

Question 18

States have enacted statutes that allow individuals to execute a(n) _____________ which documents their wishes regarding their health care in the event that they become incapacitated

Accepted Answer

The term that specifically relates to documenting an individual's wishes regarding their health care in the event that they become incapacitated is an advance directive. States have enacted statutes that allow individuals to execute advance directives, which may include living wills, durable powers of attorney for health care, or other types of documents that outline the individual's preferences for medical treatment and end-of-life care. An annuity, contract, or insurance policy do not directly relate to health care decision-making.

Question 19

Emergency medical personnel, including first responders, paramedics, and other ambulance crew, are ________to honor advance directives.

Accepted Answer

Emergency medical personnel, such as first responders, paramedics, and other ambulance crew, are generally not permitted to honor advance directives due to the immediate nature of their work and the legal and practical limitations they face in emergency situations.

Question 20

Arrangements where employers allocate a specific amount of money for each of its employees, who then select the particular benefit or package of benefits that best suits their individual needs is known as a(n):

Accepted Answer

This is the definition of a cafeteria plan, also known as a flexible benefits plan. It allows employees to choose benefits that suit their individual needs using the allocated amount from their employer. Family plan refers to a specific type of health insurance plan. COBRA and HMO are not arrangements where employees choose benefits.

Quiz 37: Health Care Law