Health insurance exam questions with
answers (2023-2024)
List major factors causing a rise in health care costs. - Answers-Rising drug,
technology, and professional costs, along with an aging population, are major factors
contributing to a rise in health care costs.
How is health care paid for in the U.S.? - Answers-Health care in the U.S. is paid for
through private insurance, direct payments, and government-funded plans.
How do most Americans obtain health insurance? - Answers-Most Americans obtain
health insurance through their place of employment.
What is managed care? - Answers-Managed care is a type of insurance plan that puts
health care providers in the position of managing a patient's use of health care.
Managed care plans have contracts with providers that set predetermined rates for
services.
What are DRGs? How do they affect the amount paid to providers for health care
services? - Answers-DRGs, or diagnostic related groups, are a classification system
used to determine payment for health services based on diagnosis. Patients' diagnoses,
treatments, surgical procedures, and follow-up care are paid according to standard fees,
regardless of the actual cost of care.
health care cost containment - Answers-Measures to control health care costs and
create an affordable health care system.
Medicaid - Answers-A type of insurance that persons who are disabled or low-income
can benefit from.
In-network - Answers-A healthcare provider or facility that has a contract with the
insurance company, cost is negotiated down for you, the subscriber.
Tricare - Answers-Provides health care coverage to active and retired military personnel
and their dependents
Medicare - Answers-The type of insurance that persons over the age of 65 can benefit
from.
Out out network - Answers-A healthcare provider that does NOT have a contract with
the insurance company, cost is at high premium prices for the subscriber.
Medicare, Medicaid, and TRICARE are all - Answers-government plans
answers (2023-2024)
List major factors causing a rise in health care costs. - Answers-Rising drug,
technology, and professional costs, along with an aging population, are major factors
contributing to a rise in health care costs.
How is health care paid for in the U.S.? - Answers-Health care in the U.S. is paid for
through private insurance, direct payments, and government-funded plans.
How do most Americans obtain health insurance? - Answers-Most Americans obtain
health insurance through their place of employment.
What is managed care? - Answers-Managed care is a type of insurance plan that puts
health care providers in the position of managing a patient's use of health care.
Managed care plans have contracts with providers that set predetermined rates for
services.
What are DRGs? How do they affect the amount paid to providers for health care
services? - Answers-DRGs, or diagnostic related groups, are a classification system
used to determine payment for health services based on diagnosis. Patients' diagnoses,
treatments, surgical procedures, and follow-up care are paid according to standard fees,
regardless of the actual cost of care.
health care cost containment - Answers-Measures to control health care costs and
create an affordable health care system.
Medicaid - Answers-A type of insurance that persons who are disabled or low-income
can benefit from.
In-network - Answers-A healthcare provider or facility that has a contract with the
insurance company, cost is negotiated down for you, the subscriber.
Tricare - Answers-Provides health care coverage to active and retired military personnel
and their dependents
Medicare - Answers-The type of insurance that persons over the age of 65 can benefit
from.
Out out network - Answers-A healthcare provider that does NOT have a contract with
the insurance company, cost is at high premium prices for the subscriber.
Medicare, Medicaid, and TRICARE are all - Answers-government plans
