#1
Which type of healthcare financing is primarily funded through taxes?
Public/government funding
ExplanationHealthcare financing primarily through taxes.
#2
Which of the following is not a common feature of universal health care systems?
Requirement for citizens to purchase private health insurance
ExplanationNo requirement for private health insurance.
#3
How does a 'deductible' in a health insurance policy work?
It is the amount you pay for health care services before your health insurance begins to pay.
ExplanationAmount paid by individual before insurance coverage.
#4
How do Health Maintenance Organizations (HMOs) typically limit the care that members receive?
By requiring members to seek care only from a network of approved providers
ExplanationLimiting care to approved provider network.
#5
What is a characteristic of a Beveridge model healthcare system?
Healthcare provided and financed by the government through tax payments
ExplanationHealthcare provided and financed by the government.
#6
Which of the following best describes a single-payer healthcare system?
Healthcare is funded by a single public agency that covers all residents.
ExplanationHealthcare funded by a single public agency.
#7
What is cost-sharing in health insurance policies?
The share of costs covered by your insurance that you pay out of your own pocket
ExplanationPortion of costs covered by insurance paid by individual.
#8
What does the term 'risk pool' refer to in the context of health insurance?
The group of individuals covered by an insurance policy, used to calculate premiums and risk
ExplanationGroup of individuals covered by insurance policy.
#9
In the context of health insurance, what does the term 'capitation' refer to?
A payment arrangement where providers are paid a set amount for each enrolled person assigned to them, per period of time, whether or not that person seeks care
ExplanationProviders paid per enrolled person, regardless of care sought.
#10
Which of the following is an example of a healthcare system that uses a Bismarck model?
The statutory health insurance system in Germany
ExplanationStatutory health insurance system in Germany.
#11
What principle underlies community rating in health insurance?
All policyholders in the same geographic area pay the same premium, regardless of their age, gender, or health status.
ExplanationUniform premiums regardless of demographic or health status.
#12
Which of the following is a characteristic feature of 'Point-of-Service' (POS) health plans?
They combine features of HMO and PPO plans, including provider networks and the need for primary care physician referrals for specialist services.
ExplanationCombination of HMO and PPO plans with network and referrals.