MHA 710 EXAM 2 QUESTIONS & ANSWERS
A prepaid hospital plan created by Baylor Hospital for a group of Dallas public school
teachers in 1929 is considered by many to be the forerunner of: - Answers- Blue Cross
A ______ percentage of the French population is obese; they consume ______ fat than
Americans do. - Answers- Small;Less
In 2001, life expectancy at birth in the United States was 77.2 years, increasing to 78.7
years in 2018. However, there remains a racial gap between Blacks and Whites. White
life expectancy in 2018 was at 78.6 years, and Black life expectancy at 74.7 years.
Causes of mortality reveals an interesting picture. Among Whites, __________ have a
much higher rate than in Blacks, where __________ are much more prevalent. -
Answers- Suicides and Chronic respiratory disease; Homicides and Heart disease
Insurance works best in situations where: - Answers- There is a low probability of a
large loss.
The nature of health care delivery will be different in the future due to: - Answers- A
rising percentage of elderly in the total population
Eliminating health disparities across various population groups requires that we: -
Answers- Address the source of disparities in behavioral, socioeconomic, and
environmental factors
A person with AIDS has a guaranteed right to apply for health insurance and receive
coverage at the same rate as a healthy person. What is the likely result for the
insurance company? - Answers- Adverse selection
What is responsible for over one-half of the gap in life expectancy between the U.S. and
Canada? - Answers- Obesity
Insurers try to minimize moral hazard by: - Answers- Charging deductibles and
coinsurance.
In 2018, the overall obesity rate in the United States (as measured by BMI > 30) is over
_____ percent, with rates reaching higher than _____ percent among African American
women. - Answers- 40; 50
All of the following are the results of moral hazard, except - Answers- : Rational
Ignorance
All of the statements below are true according to the Organization for Economic
Cooperation and Development, EXCEPT? - Answers- There is very little difference in
the prevalence of smoking between males and females worldwide
, All oIt serves as the basis for all health insurance coverage in most developed
countries, including the United States - Answers- It serves as the basis for all health
insurance coverage in most developed countries, including the United States
All of the following statements are true regarding infant mortality in the United States,
EXCEPT? - Answers- Reducing the rate of still births
An increase in the excise tax on alcohol of $1 per liter: - Answers- will save lives when
coupled with a uniform drinking age
Moral hazard and adverse selection are both examples of: - Answers- asymmetric
information.
The U.S. perinatal mortality rate (late fetal deaths plus deaths in the neonatal period)
was 5.9 in 2018, lower than those found in: - Answers- France, Switzerland, and the
United Kingdom
The goal of health insurance is to: - Answers- Collect sufficient premiums to cover all
possible losses. (spread risk over a large group of people)
Suppose a group of 100 people seeks out an insurance company to underwrite health
insurance for its members. The expected medical spending for the group is $150,000. If
an additional 10 people who have expected medical spending of $5,000 per person on
average join the group, the new premium will be approximately: - Answers- $ 1,818
The economic argument for legalizing drugs: - Answers- takes into consideration all the
externalities associated with drug use.
Suppose you must rely exclusively on cost-effectiveness analysis (CEA) to determine
whether a category of people receives an expensive, potentially life-saving, intervention.
Which of the following considerations must you keep in mind when making your
decision? - Answers- CEA ignores the possibility that certain unidentified individuals in
a group may have a greater than-normal positive response to the treatment.
The direct costs in an economic evaluation include all of the following except: -
Answers- reduced productivity at work
The concept of quality-adjusted life year (QALY): - Answers- is used extensively to
evaluate medical care resource allocation within government-run programs on fixed
budgets, especially in Europe.
Which of the following is least responsible for the reduction in mortality rates in Europe
and North America? - Answers- More effective medical interventions
A prepaid hospital plan created by Baylor Hospital for a group of Dallas public school
teachers in 1929 is considered by many to be the forerunner of: - Answers- Blue Cross
A ______ percentage of the French population is obese; they consume ______ fat than
Americans do. - Answers- Small;Less
In 2001, life expectancy at birth in the United States was 77.2 years, increasing to 78.7
years in 2018. However, there remains a racial gap between Blacks and Whites. White
life expectancy in 2018 was at 78.6 years, and Black life expectancy at 74.7 years.
Causes of mortality reveals an interesting picture. Among Whites, __________ have a
much higher rate than in Blacks, where __________ are much more prevalent. -
Answers- Suicides and Chronic respiratory disease; Homicides and Heart disease
Insurance works best in situations where: - Answers- There is a low probability of a
large loss.
The nature of health care delivery will be different in the future due to: - Answers- A
rising percentage of elderly in the total population
Eliminating health disparities across various population groups requires that we: -
Answers- Address the source of disparities in behavioral, socioeconomic, and
environmental factors
A person with AIDS has a guaranteed right to apply for health insurance and receive
coverage at the same rate as a healthy person. What is the likely result for the
insurance company? - Answers- Adverse selection
What is responsible for over one-half of the gap in life expectancy between the U.S. and
Canada? - Answers- Obesity
Insurers try to minimize moral hazard by: - Answers- Charging deductibles and
coinsurance.
In 2018, the overall obesity rate in the United States (as measured by BMI > 30) is over
_____ percent, with rates reaching higher than _____ percent among African American
women. - Answers- 40; 50
All of the following are the results of moral hazard, except - Answers- : Rational
Ignorance
All of the statements below are true according to the Organization for Economic
Cooperation and Development, EXCEPT? - Answers- There is very little difference in
the prevalence of smoking between males and females worldwide
, All oIt serves as the basis for all health insurance coverage in most developed
countries, including the United States - Answers- It serves as the basis for all health
insurance coverage in most developed countries, including the United States
All of the following statements are true regarding infant mortality in the United States,
EXCEPT? - Answers- Reducing the rate of still births
An increase in the excise tax on alcohol of $1 per liter: - Answers- will save lives when
coupled with a uniform drinking age
Moral hazard and adverse selection are both examples of: - Answers- asymmetric
information.
The U.S. perinatal mortality rate (late fetal deaths plus deaths in the neonatal period)
was 5.9 in 2018, lower than those found in: - Answers- France, Switzerland, and the
United Kingdom
The goal of health insurance is to: - Answers- Collect sufficient premiums to cover all
possible losses. (spread risk over a large group of people)
Suppose a group of 100 people seeks out an insurance company to underwrite health
insurance for its members. The expected medical spending for the group is $150,000. If
an additional 10 people who have expected medical spending of $5,000 per person on
average join the group, the new premium will be approximately: - Answers- $ 1,818
The economic argument for legalizing drugs: - Answers- takes into consideration all the
externalities associated with drug use.
Suppose you must rely exclusively on cost-effectiveness analysis (CEA) to determine
whether a category of people receives an expensive, potentially life-saving, intervention.
Which of the following considerations must you keep in mind when making your
decision? - Answers- CEA ignores the possibility that certain unidentified individuals in
a group may have a greater than-normal positive response to the treatment.
The direct costs in an economic evaluation include all of the following except: -
Answers- reduced productivity at work
The concept of quality-adjusted life year (QALY): - Answers- is used extensively to
evaluate medical care resource allocation within government-run programs on fixed
budgets, especially in Europe.
Which of the following is least responsible for the reduction in mortality rates in Europe
and North America? - Answers- More effective medical interventions
