Health Insurance Today (HIT) Ch. 1 workbook

Congress passed the Health Maintenance Organization (HMO) Act in:

1973

The Affordable Care Act became fully implemented in:

2010

A type of insurance that provides comprehensive major medical benefits and allows insured individual(s) to choose any provider when seeking medical care is called:

A fee-for-service plan and Indemnity insurance

Health insurance was "born" in the United States in 1929 with a plan that later became known as:

Blue Cross

In 1929, Justin Kimball, a Baylor University professor in Dallas, introduced a plan that evolved into _____________.

Blue Cross

The program that provides insurance for qualifying children who are ineligible for Medicaid but cannot afford private insurance is called:

CHIP

Blue Cross and Blue Shield plans traditionally established premiums wherein everybody in the community paid the same premium, called:

Community rating

The beginning of modern health insurance began in 1850 in:

England

The beginnings of modern health insurance occurred in ________(country) in ___________(year).

England; 1850

Advances in medical technology have tended to keep healthcare costs down.

False

COBRA and HIPAA were enacted by Congress in the same year--1996.

False

Health insurance in the United States began shortly after the turn of the 19th century, when physicians agreed to provide certain services to all Texans for a nominal fee.

False

Politics has never played a role in the growth and change of health insurance.

False

The Affordable Care Act significantly limits an individual's choice of healthcare options.

False

The new healthcare reform laws make it more difficult for Americans to qualify for state Medicaid programs.

False

The name of the Massachusetts company that first offered medical expense coverage similar to today's health insurance is ______________.

Franklin Health Assurance Coverage

_________contains protections for health coverage offered in connection with employment (group health plans) and for individual insurance policies sold by insurance companies (individual policies).

HIPAA

A(n) ____________is a plan that provides healthcare from specific physicians and hospitals who contract with that plan.

HMO

The three major changes that the laws listed in question 16 brought about include all except:

HMOs and managed care plans will be eliminated

Two new healthcare laws enacted in 2010 that represent significant changes in America's healthcare industry are (choose two):

Health Care and Education Reconciliation Act and Patient Protection and Affordable Care Act

The two relatively new types of healthcare plans that the text mentions that provide additional options for coverage are:

Health Insurance Exchanges and Accountable Care Organizations

Under the Affordable Care Act, individuals who have not had health insurance for 6 months receive a subsidy allowing them to enroll in:

High-risk insurance pools

Medical insurance narrows down "undesired events" to:

Illnesses and Injuries

Financial protection against loss or harm basically is referred to as:

Insurance

Any system of healthcare that attempts to control or coordinate the use of healthcare to contain expenditures, improve quality, or both falls under the category of:

Managed healthcare

_____________ and ___________ are the federal healthcare programs that began During President Johnson's term in 1965.

Medicare and Medicaid

A profound change in form from one stage to the next in the life history of an organism is referred to scientifically as:

Metamorphosis

Before the Affordable Care Act took effect, the estimated number of Americans who were without healthcare coverage numbered in the:

Millions

The Blue Shield plan got its start in the _________ (geographical area of United States)

Pacific Northwest

Name the two new healthcare laws that were enacted in 2010.

Patient Protection and Affordable Care Act (Affordable Care Act) and Health Care and Education Reconciliation Act

The model in which a patient's treatment is coordinated through his or her primary care physician to ensure that care is received when and where they need and want it and delivered in a culturally and linguistically appropriate manner known as the __________ ____________ ____________ _____________.

Patient-Centered Medical Home

Keeping a person well or catching and treating an emerging illness in its early stages is referred to as:

Preventive medicine

The word "insurance" comes from the Latin word ______________.

Securitas

Experts believe that increasing healthcare costs are due to:

The "graying of America," Advances in medical technology, and More demand for healthcare

The government provided health insurance programs to specific groups, such as the elderly, the disabled, and people who qualify because their income is lower than:

The federal poverty level

Effective as of 2014, all Americans with incomes up to 133% of federal poverty guidelines are covered under the Affordable Care Act's new, expanded Medicaid program.

True

Medical insurance and health insurance are interchangeable terms.

True

Medical insurance narrows down the "undesirable events" to illness and injuries.

True

One way the Affordable Care Act aims to cut down on Medicare waste and fraud.

True

People buy health insurance to protect them from financial loss or ruin.

True

The two main categories of private health insurance plans are indemnity (fee-for-service) and managed care.

True

The "traditional" or "standard" type of healthcare plan is called a(n) _____________plan or__________-__________-__________plan.

idemnity; fee-for-service