HSC 310 Test 1 Questions with All Correct Answers
what the combo of ideological differences and personal resentment regarding the law led to - Answer- 1) opponents attempting to nullify the law; 2) challenges taken to the supreme court- supreme court rendered a final decision to uphold the heal...
HSC 310 Test 1 Questions
with All Correct Answers
what the combo of ideological differences and personal resentment regarding the law
led to - Answer- 1) opponents attempting to nullify the law; 2) challenges taken to the
supreme court- supreme court rendered a final decision to uphold the health care law
on june 28, 2012
select features of the affordable care act - Answer- 1) new federal insurance market
rules (prohibits restricting coverage or varying premiums based on health)
2) new health insurance exchanges
3) affordability provisions for law- and middle- income families (premium assistance,
expansion of medicaid)
4) a commitment to shared responsibility (preserves employer- based insurance)
5) improvements to medicare prescription drug benefits
6) creation of a new long- term care financing program
7) investment in stronger care foundation (increases in payments for primary care under
medicare and medicaid, PCMHs)
how are americans covered post ACA implementation? - Answer- employer,
government, independently purchased, none
employer based coverage - Answer- there is a cap on how much you can spend out of
pocket and free preventive care; companies with 50 or more employees are required to
cover full- time workers- or pay a penalty
employer based coverage (cont.) - Answer- smaller employers don't face the same
penalties for refusing to buy insurance, but they are encouraged to do so- the
government set up special marketplaces to make it easier for small employers to offer
insurance and some will be offered temporary tax breaks if they do; insurers can no
longer inflate prices if some employees in a company are sick
government based coverage - Answer- for seniors on medicare, nothing really changed-
the law helps with prescription drugs and better preventive care; medicaid has
expanded to cover more americans, especially poor adults, many of whom were not
eligible previously- coverage for people with income up tp 138% of the federal poverty
level & private insurance plans (e.g., Aetna, Humana, Blue Cross/ Blue Shield)
government based coverage (cont.) - Answer- the supreme court ruled that governors
and legislatures of each state should decide whether or not to be a part of expanding
, medicaid; the government is currently covering almost all of the cost of expanding
medicaid
true or false - Answer- uninsured rate drops more between 2013 and 2016 in states that
adopted the medicaid expansion
true or false - Answer- about 6 in 10 primary care clinicians reported seeing more
medicaid or newly insured patients since january 2014
independently (i.e. privately) purchased coverage - Answer- for those not covered, or
who find their work coverage too expensive; health insurance marketplaces- virtual
insurance "mega-mall", private insurers competing for your business, eligibility: live in
the state where your marketplace is, be a U.S. citizen, a U.S. national, or an alien
lawfully present in the U.S., and not currently incarcerated; the current administration
cut the open enrollment period in half and reduced advertising and outreach budgets
independently purchased (i.e., privately) coverage (cont.) - Answer- health insurance
marketplaces: pick how much coverage you want and how much you want to pay for it-
bronze, silver, gold, and platinum plans, from high deductible bronze plans to platinum
plans with higher premiums; all plans cover a comprehensive set of services- hospital
visits, maternity care, mental health care, and prescription drugs; not all governors were
on a board to set up marketplaces; federal government opened their own marketplaces
in the states that did not do it themselves
independently (i.e., privately) purchased coverage (cont.) - Answer- the federal
government provides most people with a premium tax credit to make insurance more
affordable if they do not have any other options and their income is below a certain level
(up to 400% of the federal poverty level)- most people buying on their own are eligible
for a credit and do not have to pay the whole premium themselves; only available for
U.S. citizens and legal permanent residents
health insurance marketplaces - Answer- the marketplaces make insurance companies
operate fairly under strict rules
The U.S. unique's health care delivery system - Answer- americans are not
automatically covered; a true system doesn't exist; the health care system is
fragmented; it continues to undergo periodic changes
the "iron triangle" of health care - Answer- quality-> access-> cost->
the health care workforce employs over..... people - Answer- 16.4 million
characteristics of the U.S. system - Answer- multiplicity of financial arrangements;
numerous insurance agencies/ MCOs that employ various mechanisms for insuring
against risk; multiple payers that make their own determinations about the cost for each
service; diverse settings where services are delivered; numerous consulting firms
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