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HTH 354 exam 1 (Howley)questions with verified solutions
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HTH 354 exam 1 (Howley)questions with verified solutions
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HTH 354 exam 1 (Howley)questions withverified solutions
The Quad-Functioning Model - correct answer ✔✔1. Financing (Employers, government, independent)
2. insurance (protection)
3. Delivery (health care providers, hospitals)
4. Payment (pay or service)
Financing - correct answer ✔✔necessary to obtain health insurance or to pay for health care services
employment - correct answer ✔✔For most privately insured Americans, health insurance is
______________ based financing
government financing - correct answer ✔✔functions as the financer in public programs; the insurance
function may be carved out to an HMO
independent financing - correct answer ✔✔self-funding
insurance - correct answer ✔✔Protects the insured against financial catastrophe by providing expensive
health care services when needed
Delivery - correct answer ✔✔refers to the provision of health care services by various providers
ex: hospitals
payment - correct answer ✔✔Deals with reimbursement to providers for services delivered
10 - correct answer ✔✔_____% of the population does NOT have heath care insurance
,Affordable Care Act/ Obamacare (ACA) - correct answer ✔✔- Passed March 23, 2010
- reduce number of uninsured
- Stay on family plan until 26
- Large Health Care reform
- Still not universal coverage
- Zero republicans voted for it
-fined $695 if you do not have health insurance
-18.2%
- 10% - correct answer ✔✔-uninsured rate among the non-elderly population spikes at its highest of
_______ % right before the ACA is implemented.
-now we are ______% uninsured
US Health Care System - correct answer ✔✔- No central agency
- Partial Access
- Imperfect Market
- Third party insurers/payers
- Power balancing
- Ligation risks
- High technology
- Continuum of services
- Quest for quality
No central agency - correct answer ✔✔- US is not administratively controlled by a department or an
agency of the government.
- US has a mainly private system of financing & delivery
, - hospitals play a big role
partial access - correct answer ✔✔Americans can access health care if they have:
- health insurance through their employers
- covered under a government health care program
- can afford to buy insurance with private funds
- able to pay for services privately
- can obtain charity or subsidized care
imperfect market - correct answer ✔✔relying on the doctor to tell us what we need; we usually do not
have the knowledge
-later billed for the service
Third-Party Insurers and Payers - correct answer ✔✔- insurance often functions as the intermediary
among those who finance, deliver, and receive health care
- the insurance intermediary does not have an incentive to be the patients advocate on either price or
quality
- patient is first party
- provider is second party
- intermediary is third party
•a wall of separation between financing and delivery
•quality of care is a secondary concern
litigation risks - correct answer ✔✔Practices may protect themselves form litigations and engage in
defensive medicine by prescribing additional diagnostic test, scheduling return check up visits, and
maintain copious documentation
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