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HSA 3111 Test 2 | Questions with 100% Correct Answers
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HSA 3111 Test 2 | Questions with 100% Correct Answers A health insurance plan pays for medical care only after the insured has first paid $1,000 out of pocket on an annual basis. This $1,000 annual cost is called the _______________________. a) premium b) deductible c) out of pocket service cove...

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  • 19 de diciembre de 2024
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HSA 3111 Test 2



A health insurance plan pays for medical care only after the insured has first paid
$1,000 out of pocket on an annual basis. This $1,000 annual cost is called the
_______________________.

a) premium
b) deductible
c) out of pocket service coverage
d) coinsurance
e) first-thousand coverage

In a general sense, what is the primary purpose of insurance?

a) Underwriting
b) Protection against risk
c) Predicting risk
d) Risk assessment

Which response is NOT one of the four fundamental principles associated with the
concept of insurance?

a) Insurance protects an individual from catastrophic loss due to major medical bills
because their risk can be calculated based on individual behavior and lifestyle factors.
b) Insurance mechanism transfers risk from the individual to the group.
c) Risk can be predicted with a reasonable accuracy for a large group.
d) Risk is unpredictable for the individual insured.
e) Members of insured group share actual losses on some equitable basis.

The phenomenon called 'moral hazard' results directly from
___________________________.

a) inadequate payment to providers
b) managed care enrollment
c) the uninsured status of a segment of the U.S. population
d) guarding individuals against risk
e) health insurance coverage

A copayment is generally paid___________.

a) in form of a deduction from payroll checks
b) once a year

, c) each time the insured receives health care services
d) by the employer to purchase health insurance on behalf of each covered employee

Typically, tertiary care:

a) Is highly specialized
b) Does not depend on technology
c) Takes place outside of traditional healthcare facilities
d) All of the above

What does "PPS" stand for?

a) Preferred Provider System
b) Primary Physician System
c) Private Practice System
d) Prospective Payment System

What is palliation?

a) Pain and symptom management
b) Psychosocial support
c) A surgical intervention
d) Bed rest
e) A significant problem for PNPs

Hospice services are primarily for people with:

a) Chronic illnesses
b) Rehabilitative needs
c) Terminal illnesses
d) None of the above

Countries whose health systems are oriented more toward primary care achieve:

a) Higher satisfaction with health services among their populations
b) Higher expenditures in the overall delivery of care
c) Worse health outcomes
d) None of the above

The second BL video after moral hazard in Module 6 and the second BL video after
outpatient services in module 7 were a series that focused mainly on the following:

a) adverse selection in part one and part two focused on the cost drivers of high-risk
individuals
b) experience rating based on a groups own medical claims experience and community
rating which spreads the risks among members of a larger population

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