HSA 3111 EXAM 2 2026 Exam
Questions and Correct
Answers | New Update
In this chapter the phenomenon called 'moral hazard' results directly
from ________________.
(remember the examples of the young guy and the car or the building on
fire and how similar types of issues happen in the healthcare industry.) -
ANSWER ✔✔health insurance coverage
A health insurance plan pays for medical care only after the insured has
first paid $1,000 out of pocket on an annual basis. The $1,000 annual
cost is called _________. - ANSWER ✔✔deductible
Four fundamental principles that underlie the concept of insurance: -
ANSWER ✔✔1. Risk can be unpredictable for the individual insured.
, 2. Risk can be predicted with a reasonable degree of accuracy for a
large group or a population.
3. Insurance provides a mechanism for transferring or shifting risk from
the individual to the group through the pooling of resources.
4. All members of the insured group share actual losses on some
equitable basis.
A copayment is generally paid ___________. Remember our example in
class that each time an individual went to see a doctor they had to pay
$10. - ANSWER ✔✔each time the insured receives health care
services
In a general sense, what is the primary purpose of insurance? -
ANSWER ✔✔Protection against risk
Typically, tertiary care: - ANSWER ✔✔is highly specialized.
Hospice services are primarily for people with: - ANSWER
✔✔terminal illnesses.
How is community-orientated primary care (COPC) different from
primary care? - ANSWER ✔✔COPC adds a population-based
approach to identifying and addressing community health problems.
What is palliation? - ANSWER ✔✔Pain and symptom management
Questions and Correct
Answers | New Update
In this chapter the phenomenon called 'moral hazard' results directly
from ________________.
(remember the examples of the young guy and the car or the building on
fire and how similar types of issues happen in the healthcare industry.) -
ANSWER ✔✔health insurance coverage
A health insurance plan pays for medical care only after the insured has
first paid $1,000 out of pocket on an annual basis. The $1,000 annual
cost is called _________. - ANSWER ✔✔deductible
Four fundamental principles that underlie the concept of insurance: -
ANSWER ✔✔1. Risk can be unpredictable for the individual insured.
, 2. Risk can be predicted with a reasonable degree of accuracy for a
large group or a population.
3. Insurance provides a mechanism for transferring or shifting risk from
the individual to the group through the pooling of resources.
4. All members of the insured group share actual losses on some
equitable basis.
A copayment is generally paid ___________. Remember our example in
class that each time an individual went to see a doctor they had to pay
$10. - ANSWER ✔✔each time the insured receives health care
services
In a general sense, what is the primary purpose of insurance? -
ANSWER ✔✔Protection against risk
Typically, tertiary care: - ANSWER ✔✔is highly specialized.
Hospice services are primarily for people with: - ANSWER
✔✔terminal illnesses.
How is community-orientated primary care (COPC) different from
primary care? - ANSWER ✔✔COPC adds a population-based
approach to identifying and addressing community health problems.
What is palliation? - ANSWER ✔✔Pain and symptom management
