#1
Which of the following is NOT a type of healthcare financing model?
Fee-for-service
Capitation
Value-based purchasing
Consumer-driven healthcare
Medicare-for-All
#2
What does the term 'co-payment' refer to in healthcare insurance?
The total amount paid by the insurer for covered services
The amount paid by the insured for each healthcare service or medication
The percentage of medical expenses paid by the insured
The maximum amount the insured must pay out-of-pocket in a year
#3
What is the primary source of funding for Medicaid in the United States?
Employer-sponsored insurance premiums
Individual premiums
State and federal government funds
Out-of-pocket payments by beneficiaries
#4
In the context of healthcare financing, what does 'cost-sharing' refer to?
The expenses incurred by healthcare providers
The division of healthcare costs between patients and insurers
The fees charged by insurance companies for coverage
The costs of pharmaceutical drugs
#5
What is a health insurance premium?
The amount of money a policyholder pays out of pocket before insurance coverage begins
The maximum amount a policyholder is required to pay out of pocket before insurance coverage begins
The monthly or annual fee paid to an insurance company to maintain coverage
The percentage of medical expenses covered by the insurance company after the deductible is met
#6
Which of the following is a characteristic of a single-payer healthcare system?
Healthcare providers negotiate fees with multiple insurance companies.
There is a single government-run insurance program that covers all citizens.
Healthcare providers are paid based on the volume of services provided.
Individuals purchase insurance from private companies.
#7
What is adverse selection in the context of health insurance?
Insurers selecting only healthy individuals for coverage.
Individuals with higher health risks being more likely to purchase insurance.
The process of insurers setting premiums based on individual health risks.
The practice of denying coverage to individuals with pre-existing conditions.
#8
What is the main purpose of the Affordable Care Act (ACA) in the United States?
To provide subsidies for private health insurance
To expand access to healthcare coverage
To decrease government involvement in healthcare
To increase healthcare costs for consumers
#9
What is a Health Savings Account (HSA) commonly used for in healthcare financing?
To provide free healthcare services to low-income individuals
To cover out-of-pocket medical expenses
To fund long-term care services for the elderly
To finance medical research initiatives
#10
What is the main difference between Medicare and Medicaid in the United States?
Medicare is funded by state and federal governments, while Medicaid is funded solely by the federal government
Medicare is for individuals aged 65 and older, while Medicaid is for low-income individuals and families
Medicare covers long-term care services, while Medicaid does not
Medicare is a single-payer system, while Medicaid utilizes multiple private insurance companies
#11
Which of the following is a characteristic of a Health Maintenance Organization (HMO)?
Patients have flexibility in choosing healthcare providers.
Patients must select a primary care physician.
There is no requirement for pre-authorization for specialist visits.
Providers are reimbursed based on a fee-for-service model.
#12
Which of the following countries has a predominantly private healthcare insurance system?
Canada
United Kingdom
Germany
Switzerland
#13
In a social health insurance model, who typically provides healthcare services?
Private insurance companies
Government-owned healthcare facilities
Employer-sponsored health clinics
Non-profit organizations
#14
Which of the following is an example of a social health insurance system?
Medicare in the United States
National Health Service in the United Kingdom
Medicaid in the United States
Health Maintenance Organizations (HMOs)
#15
Which of the following healthcare financing models places the responsibility of healthcare cost management on patients?
Fee-for-service
Single-payer system
Consumer-driven healthcare
Value-based purchasing