ch 9

In purchasing health insurance, which of the following is NOT typically a consideration? A. Liability B. Deductibles and copays C. Benefit package D. Provider Choice

A. Liability

Which of the following is characteristic of the way the uninsured utilize the health care system? A. They delay seeking care, eventually ending up in emergency rooms B. They can afford to pay for care out-of-pocket C. They utilize preventive care to maintain wellness D. They have a primary care physician

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

Problems associated with the care of active military personnel and retirees include all of the following EXCEPT: A. Access to care in rural areas B. Access to medical centers in major metropolitan areas C. Access to care for reservists and other temporary personnel D. None of the above

CorrectB. Access to medical centers in major metropolitan areas

A. Preferred Provider Plans B. Health Maintenance Organizations C. Indemnity Plans D. All of the above

CorrectD. All of the above

The Medicare Prescription Drug, Improvement & Modernization Act of 2003 includes provisions to: A. Fund rural hospitals B. Create Part D of Medicare C. Increase prevention benefits for seniors D. All of the above

CorrectD. All of the above

The growth in health insurance in the U.S. came about as a result of: A. The rising cost of health care B. The increased government role in providing access to care C. The involvement of unions and collective bargaining D. All of the above

CorrectD. All of the above

The primary reason that healthcare managers should be concerned about healthcare financing and health insurance is: A. It's the right thing to do B. It's important to the organizations' bottom line and to organizational success C. Employees are concerned about the increases in their share of premiums and other cost sharing D. All of the above

CorrectD. All of the above

Medicaid spending increases are the result of: A. Expansion of services of many types B. Expansion of eligibility to include all children C. Rising unemployment and increases in the uninsured D. A and C above E. All of the above

D. A and C above

Many of those who are uninsured: A. Are workers who are employed in industries that do not provide health insurance B. Do not have access to routine health care C. Are American citizens D. All of the above

D. All of the above

CHIP is a program that provides for \ A. Children covered by Medicare B. All children C. Children covered by Medicaid D. Children in low income families who would not typically qualify under Medicaid

D. Children in low income families who would not typically qualify under Medicaid

Who bears the costs of providing care to the uninsured? A. The uninsured B. Philanthropic contributions C. Local governments D. Everyone, including all of the above

D. Everyone, including all of the above

Which type of managed care offers patients flexibility in accessing their physician of choice? A. Preferred Provider Organization B. Point of Service Plan C. Health Maintenance Organization D. All of the above E. A and B above

E. A and B above

A high deductible health plan with a savings option represents a form of consumer driven health plan that: A. Encourages the purchaser to be more aware of the cost of care B. Encourages the consumer to use preventive types of health care C. Is usually lower cost than other types of plans D. Requires the consumer to pay a large amount out-of-pocket before the plan kicks in E. All of the above

E. All of the above

Cost sharing is required of those covered by: A. HMOs B. PPOs C. Medicare D. Medicaid E. All of the above

E. All of the above

Medicaid provides coverage for low-income individuals who A. Receive Temporary Aid to Needy Families (TANF) assistance B. Receive Supplemental Security Income (SSI) assistance C. Are pregnant D. Are elderly E. All of the above

E. All of the above

The Patient Protection and Affordable Care Act includes provisions for the following: A. Improving quality. B. Expanding Medicaid. C. Allowing greater access to long-term care insurance coverage. D. Providing access to health care for all Americans. E. All of the above.

E. All of the above

True or False? The majority of the uninsured population is comprised of adults aged 35 and older. True False

False

Which type of HMO offers the most flexibility for participating physicians? A. Closed-panel HMO B. Independent Practice Association C. Open-panel HMO D. None of the above

B. Independent Practice Association

Medicare includes coverage of all of the following EXCEPT: A. Presceiption drugs under Part D B. Mental health care under Part E C. Inpatient hospital care under Part A D. Physician services and outpatient care under Part B

B. Mental health care under Part E

Access to the care of specialist physicians is limited in which type of health plan? A. Point of Service Plan B. Conventional Plan C. Health Maintenance Organization D. Preferred Provider Organization E. All of the above

C. Health Maintenance Organization