Chapter 9

The growth in health insurance in the U.S. came about as a result of all of the following, except:

the urging of employers to add this benefit.

Why should health care managers be concerned about health care financing and health insurance?

Correct! . All of these are correct. B. It's important to the organizations' bottom line and to organizational success. A. It's the right thing to do. You AnsweredYou Answered C. Employees are concerned about the increases in their share of premiums and other cost sharing.

The TRICARE military health care system provides coverage for:

Correct! All of these are correct. B. retired military personnel. C. the families of active duty and retired military personnel. A. active duty military personnel.

Which of the following laws has had a major impact on social insurance in the U.S.?

Correct! All of these are correct. C. Medicare Prescription Drug, Improvement, and Modernization Act B. Patient Protection and Affordable Care Act A. Social Security Act of 1965 E. None of these is correct.

Which of the following is true regarding many of those who are uninsured?

Correct! D. All of these are correct. C. Are American citizens B. Do not have access to routine health care A. Workers who are employed in industries that do not provide health insurance

For which of the following groups of low-income individuals does Medicaid provide coverage?

Correct! E. All of these are correct. C. Those who are pregnant D. Those who are elderly A. Those who receive Temporary Aid to Needy Families (TANF) assistance B. Those who receive Supplemental Security Income (SSI) assistance

Elderly and disabled Medicaid beneficiaries account for less than half of program spending.

False

Medicaid is a major funder of safety-net hospitals, health centers, and behavioral health care, but is not involved in supporting long-term care services.

False

Medicare is experimenting with Accountable Care Organizations in an effort to reduce costs, while Medicaid is not involved in this.

False

Nursing homes, continuing care retirement communities, and home health care combined accounted for more than half of national health expenditures in 2016.

False

Premium payments for individual health insurance plans reached more than $19,000 in 2018.

False

Private health insurance accounted for slightly more than half of all expenditures for health care in 2016.

False

Private health insurance includes only payments by employers for health care coverage.

False

Provider choice is unlimited under all types of health insurance plans.

False

The Affordable Care Act has had little impact on the number of uninsured individuals in the U.S.

False

The VA does not have programs that cover children with certain birth defects born to female Vietnam Veterans.

False

The Veterans Health Administration is one of the smallest health care systems in the U.S.

False

The majority of the uninsured population is comprised of females.

False

Private health insurance coverage includes all of the following, except:

SNFs.

The Patient Protection and Affordable Care Act includes provisions for which of the following?

Correct! All of these are correct. Improving quality Expanding Medicaid Providing access to health care for all Americans

The following are all public insurance programs, except:

Correct! All of these are public insurance programs. B. Medicare. C. Children's Health Insurance Program. A. Medicaid.

Which type of HMO offers the most flexibility for participating physicians?

Independent Practice Association

Quality is likely to be high for those covered by which of the following?

PPOs, indemnity plans, and HDHPs.

Which of the following is characteristic of the way the uninsured utilize the health care system?

They delay seeking care, eventually ending up in emergency rooms.

Funding for the Medicare Program has increasingly been derived from cost sharing with beneficiaries.

True

Moral hazard refers to the concept that the existence of insurance coverage provides an incentive for insured individuals to secure and use coverage for a known condition.

True

The Children's Health Insurance Program is a form of public health insurance coverage.

True

The Patient Protection and Affordable Care Act of 2010 called for changes that have had an impact on insurers, businesses, consumers, and health care providers.

True

The purposes of the Patient Protection and Affordable Care Act include expanding access to health insurance coverage, efforts to contain costs, and emphasis on prevention and screening, to name a few.

True

Medicare includes coverage of all of the following, except:

mental health care under Part E.

Individuals who have coverage under the Medicare Program include:

those with end-stage renal disease and permanently disabled younger adults.

In purchasing health insurance, which of the following is not typically a consideration?

Ethical issues

Who bears the costs of providing care to the uninsured?

Everyone

Medicaid spending increases are the result of which of the following?

Expansion of services of many types, rising unemployment and increases in the uninsured, and expansions as a result of the Affordable Care Act

All states expanded their Medicaid Programs as part of the Affordable Care Act.

False

Enrollment in Medicare has increased significantly as a result of the Affordable Care Act.

False

Fee-for-service is a form of payment whereby an individual pays a fixed, pre-specified amount in exchange for services.

False

Funding for the Department of Defense and VA health programs is derived from the President's request for an appropriation to Congress.

False

Growth in health care spending does not have the effect of crowding out non-health-related types of goods and services.

False

Medicaid and Medicare are private insurance programs administered by the federal government.

False

Today, health insurance is typically purchased by individuals to prevent catastrophic loss

False

Today, health insurance is typically purchased by individuals to prevent catastrophic loss.

False