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Some people receive too little health care because.

A.
They are uninsured
A.
They are uninsured
Answers
B.
They are inadequately insured
B.
They are inadequately insured
Answers
C.
Physicians will not accept their Medicare coverage
C.
Physicians will not accept their Medicare coverage
Answers
D.
All of the above.
D.
All of the above.
Answers
Suggested answer: D

Lack of health insurance has become a middle class phenomenon among all except.

A.
Those who are self employed
A.
Those who are self employed
Answers
B.
Those working in small businesses
B.
Those working in small businesses
Answers
C.
Those with traditional jobs in manufacturing
C.
Those with traditional jobs in manufacturing
Answers
D.
Those with part time jobs
D.
Those with part time jobs
Answers
Suggested answer: C

Excessive health care is a concern because it is.

A.
Wasteful
A.
Wasteful
Answers
B.
Costly
B.
Costly
Answers
C.
Potentially harmful
C.
Potentially harmful
Answers
D.
All of the above
D.
All of the above
Answers
Suggested answer: D

The mode of payment that is considered to be regressive is.

A.
Out-of-pocket payment.
A.
Out-of-pocket payment.
Answers
B.
Individual private insurance
B.
Individual private insurance
Answers
C.
Employment-based group private insurance.
C.
Employment-based group private insurance.
Answers
D.
Government financing.
D.
Government financing.
Answers
Suggested answer: A

Community rating is able to redistribute funds from the healthy to the sick by.

A.
Providing benefits in excess of premiums to those who become ill.
A.
Providing benefits in excess of premiums to those who become ill.
Answers
B.
Setting premiums based on community experience, rather than that of subgroups.
B.
Setting premiums based on community experience, rather than that of subgroups.
Answers
C.
Charging the same premium for high-risk and low-risk populations.
C.
Charging the same premium for high-risk and low-risk populations.
Answers
D.
All of the above
D.
All of the above
Answers
Suggested answer: D

Which of the following is true of experience rating?

A.
High risk patients pay relatively low premiums.
A.
High risk patients pay relatively low premiums.
Answers
B.
It provides affordable coverage to the chronically ill.
B.
It provides affordable coverage to the chronically ill.
Answers
C.
Young, healthier groups have cheaper premiums.
C.
Young, healthier groups have cheaper premiums.
Answers
D.
The elderly have among the lowest premiums.
D.
The elderly have among the lowest premiums.
Answers
Suggested answer: C

Max, who has worked all his life for Ford motors, is now 65 years old. He has not yet retired. Max is eligible for:

A.
Medicare Part A
A.
Medicare Part A
Answers
B.
Medicare Part B
B.
Medicare Part B
Answers
C.
Both A and B
C.
Both A and B
Answers
D.
None of the above
D.
None of the above
Answers
Suggested answer: C

The mode of payment that is considered to be proportional is.

A.
Out -of pocket payment
A.
Out -of pocket payment
Answers
B.
Individual private insurance
B.
Individual private insurance
Answers
C.
Employment-based group private insurance
C.
Employment-based group private insurance
Answers
D.
Government financing
D.
Government financing
Answers
Suggested answer: D

Access to health care is measured by.

A.
The type of insurance a person has.
A.
The type of insurance a person has.
Answers
B.
The number of times a person uses health care services.
B.
The number of times a person uses health care services.
Answers
C.
The quality of health care services a person has.
C.
The quality of health care services a person has.
Answers
D.
The number of physicians available to a person.
D.
The number of physicians available to a person.
Answers
Suggested answer: B

True or false: For people with Medicaid coverage, access to health care is guaranteed.

A.
True
A.
True
Answers
B.
False
B.
False
Answers
Suggested answer: B
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