RMIN 4000 UGA Brown Test 4 Latest Update Already Passed

RMIN 4000 UGA Brown Test 4 Latest Update Already Passed fee-for-serive a separate fee is paid for each service copayment flat amount the insured must pay each time health services are received calendar year deductible an aggregate deductible that has to be satisfied only once during the calendar year coinsurance the percentage of the medical expenses the policyholder must pay in addition to the deductible amount Out-of-pocket maximum (stop-loss limit) the most the insured will have to pay out-of-pocket in a calendar year managed care plan a health care plan that is designed to lower costs for both the insurer and the consumer while maintaining a high standard of care health maintenance organization (HMO) system that provides healthcare to its members on a prepaid basis in a particular area capitation fee a fixed annual payment for each plan member regardless of the frequency or type of service provided advantages of HMO low cost sharing, good communication between providers disadvantages of HMO no out of network coverage, must get referrals preferred provider organizations (PPO) plan that contracts with healthcare providers to provide certain medical services at discounted fees advantages of PPO no referral needed, can see out of network providers disadvantages of PPO more cost-sharing, less efficient communication, more complicated billing point of service plan (POS) hybrid of HMO and PPO consumer directed health care plan (CDHP) plan that combines a high-deductible plan with a health savings account health savings account (HSA) tax exempt account established exclusively for the purpose of lying medical expenses - high deductible plans only flexible spending account (FSA) permits employees to pay for certain unreimbursed medical expenses with before tax dollars - cannot be used with high deductible plan long-term care insurance pays a daily/monthly benefit for medical or custodial care received in a nursing facility, hospital, or at home disability-income insurance provides income payments when the insured is unable to work because of sickness or injury total disability inability to perform the material and substantial duties of your regular occupation partial disability you can perform some but not all of the duties of your occupation residual disability applies when you are gainfully employed and not totally disabled but, solely because of sickness or injury, our loss of income is at least 15 percent of your prior income dental insurance pays the cost of norma dental care, orthodontics not usually covered vision insurance coverage for routine eyesore, usually does not cover the full cost of glasses or contacts types of legal wrongs crime, breach of contract, tort tort a legal wrong for which the court allows a remedy in the form of monetary damages 3 categories of tort intentional, strict liability, negligence intentional tort intentional act or omission resulting in harm or injury to another person or damage to their property strict liability liability imposed regardless of negligence or fault (ex: defective products, workers comp) negligence failure to exercise the standard of care required by law to protect others from an unreasonable risk of harm elements of negligence legal duty owed, breach of legal duty, damage or injury, proximate cause legal defenses for negligence contributory negligence, comparative negligence, last car chance rule, assumption of risk last clear chance rule a plaintiff who is endangered by his own negligence can still recover damages from the defendant if the defendant has