Comp1_unit4_self-assess_key.doc - Lane Community College



Introduction to Healthcare and Public Health in the US: Financing Healthcare (Part 1)

Self-assessment key

1. Most people in the US get health insurance through:

*a. An employer

b. Their county health department

c. Their state health department

d. The federal government

Answer: a. Healthcare payers include public and private sources. Most people (55%) get their healthcare insurance from an employer.

Objective(s): 2

Lecture(s)/Slide(s): a14

2. All of the following are privately funded EXCEPT:

a. BlueCross Blue Shield

b. Commercial insurers

c. Managed care organizations

*d. The Children’s Health Insurance Program

Answer: d. The Children’s Health Insurance Program (CHIP) is a federally funded program administered by the states.

Objective(s): 2, 4

Lecture(s)/Slide(s): a15-16

3. BlueCross BlueShield is:

a. A managed care organization

*b. An association of private companies

c. Funded by the federal government

d. Funded by all 50 states

Answer: b. Blue Cross Blue Shield is an association of companies originally formed to avoid state insurance regulations to provide hospital and physician services, that now operates as a commercial health insurer.

Objective(s): 2, 3, 4

Lecture(s)/Slide(s): a15, d10

4. Which of the following is NOT true about the United Kingdom’s National Health Service (NHS)?

a. It covers all residents.

b. It covers dental and vision care.

*c. It is free.

d. It is funded mainly by taxes.

Answer: c. UK residents are required to pay for some healthcare services out of pocket.

Objective(s): 2

Lecture(s)/Slide(s): c10, 12

5. The Canadian healthcare system:

a. Covers only residents who do not have coverage through a job

b. Has no wait lists for its services

c. Is funded mainly by patient fees

*d. Limits the use of private insurance for the services it provides

Answer: d. Private health insurance may not be used to cover healthcare services provided by the provincial or territorial programs.

Objective(s): 2

Lecture(s)/Slide(s): c15, 22-23

6. Managed care plans:

a. Are much less common today than they were 50 years ago

*b. Combine health insurance and healthcare services

c. Pay doctors on a fee-for-service basis

d. All of the above

Answer: b. Managed care organizations combine health insurance with the delivery of healthcare services to keep costs low and provide quality care.

Objective(s): 4

Lecture(s)/Slide(s): d13-18

7. Of the following types of plans, costs for the patient are lowest, but choice of providers is most restricted, in a:

*a. Health maintenance organization

b. Indemnity plan

c. Preferred provider organization

d. Point-of-service plan

Answer: a. The Health Maintenance Organization (HMO) provides the lowest cost but restricts the patient’s choice of providers.

Objective(s): 4

Lecture(s)/Slide(s): d15

8. What group determines whether someone is eligible for Medicare and processes their premium payments?

a. The Centers for Medicare & Medicaid Services

b. The Federal Insurance Contributions Agency

*c. The Social Security Administration

d. The US Department of Health & Human Services

Answer: c. Medicare is Title XVIII of the Social Security Act.

Objective(s): 6

Lecture(s)/Slide(s): e5

9. Choose the best statement about Medicaid and Medicare coverage:

a. Medicaid covers older adults; Medicare covers people with low incomes.

b. Medicaid covers people with low incomes; Medicare covers children and pregnant women in families that earn too much for Medicaid.

*c. Medicare covers older adults; Medicaid covers people with low incomes.

d. Medicare covers all uninsured children and pregnant women; Medicaid covers older adults.

Answer: c. Medicare is for the elderly over age 65 and certain people with disability. Medicaid is for the individuals with low incomes.

Objective(s): 6

Lecture(s)/Slide(s): a11, 19

10. Which of the following statements is/are TRUE?

a. Medicaid has different names in different states.

b. Medicaid is funded by federal income taxes;

c. Medicare is partially funded by individuals and their employers through payroll taxes;

d. Some people on Medicaid also qualify for Medicare.

*e. All of the above

Answer: e. Medicaid is a healthcare program operated by each state with individual state eligibility requirements and benefits according to rules established by the Federal government. The Federal government partially funds each program. The elderly poor may qualify for both Medicare and Medicaid.

Objective(s): 6

Lecture(s)/Slide(s): e12-15

11. All of the following statements about healthcare and its role in the economy are true except:

a. Healthcare expenditures account for approximately one out of every six dollars spent in the United States during 2009.

*b. Healthcare is the tenth largest sector of the US economy.

c. The US spent more than $8000 for each person on healthcare in 2009.

d. The US spends more on healthcare per person than any other country in the world.

e. One can evaluate the payment for healthcare services from multiple points of view including types of services, contributors to funding of services, and payers for services.

Answer: b. The healthcare industry is the fifth largest sector in the US economy with more than 14 million jobs and annual expenditures of more than $2.4 trillion. Healthcare expenditures

Objective(s): 1

Lecture(s)/Slide(s): e5-14

12. Which of the following does not correctly describe the role the government plays in healthcare in the US?

a. Enact laws that regulate the healthcare system in the US.

b. Develop policy in accordance with the laws enacted by Congress.

*c. Provide coverage for healthcare expenses to all citizens through national health insurance.

d. Pay for healthcare expenditures by collecting taxes and providing government health insurance to select groups.

e. Directly provide services the Military Health Service, the Veterans Administration, and the Indian Health Service.

Answer: c. Unlike other countries, the US does not provide health insurance to all citizens. Government provided insurance is available to specific groups such as the elderly through Medicare, and the poor through federal/state partnership in the Medicaid programs.

Objective: 5

Lecture(s)/Slide(s): a7, 9-13, 18-22, 30-34, d19-24

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