#1
What is the primary goal of health insurance?
To protect against financial risk
ExplanationProtection against financial risk.
#2
What is a deductible in health insurance?
The amount you pay out of pocket before insurance coverage kicks in
ExplanationOut-of-pocket amount before coverage.
#3
What does Medicaid primarily provide coverage for?
Low-income individuals and families
ExplanationCoverage for low-income groups.
#4
What is the primary source of funding for Medicare in the United States?
Payroll taxes
ExplanationFunding via payroll taxes.
#5
What is the purpose of Medicaid in the United States?
To provide healthcare coverage for low-income individuals and families
ExplanationCoverage for low-income groups.
#6
Which of the following healthcare financing models involves pooling of funds to provide universal coverage?
Social health insurance
ExplanationPooling funds for universal coverage.
#7
Which healthcare financing method is characterized by direct payments by individuals at the time of service?
Out-of-pocket payments
ExplanationDirect payments at the time of service.
#8
What is a Health Maintenance Organization (HMO) known for?
Primary care physician coordination
ExplanationCoordination through primary care physicians.
#9
Which of the following healthcare financing methods is based on income and ability to pay?
Progressive taxation
ExplanationIncome-based payment system.
#10
What is a Health Savings Account (HSA) primarily used for?
To pay for healthcare expenses with pre-tax dollars
ExplanationUsing pre-tax dollars for expenses.
#11
What is the term for a system where the government owns and operates healthcare facilities and providers?
Socialized medicine
ExplanationGovernment ownership of healthcare.
#12
Which of the following is NOT a characteristic of a fee-for-service payment model?
Focuses on quality of care over quantity
ExplanationNot focusing on quality over quantity.
#13
Which of the following is NOT a component of the Triple Aim framework for healthcare improvement?
Enhancing provider satisfaction
ExplanationExclusion of enhancing provider satisfaction.
#14
Which of the following is a characteristic of capitation payment in healthcare financing?
Providers are paid a fixed amount per patient regardless of services provided
ExplanationFixed payment per patient.
#15
Which of the following statements best describes the concept of moral hazard in healthcare financing?
Patients may seek unnecessary healthcare services when they are insulated from the cost
ExplanationPatients seeking unnecessary services due to cost insulation.