PUBHLTH129 REVIEW QUESTIONS EXAM AND
ANSWERS 100% SOLVED
Although medical technology brings numerous benefits, what have been some of the
main challenges posed by the growing use of medical technology in the United States? -
ANSWER - high cost
- overspecialization
- wasteful care
How do American cultural beliefs and values influence the use of medical technology? -
ANSWER - capitalism allows for more innovation
- lack of government intervention
- entitlement to the best care
- overall high expectations
What impact has technology made on access to medical care? - ANSWER - mobile
equipment
- electronic medical records
- telemedicine
What is meant by financing? What are its desirable and undesirable effects? - ANSWER
Desirable effects: enables people to acquire health care
Undesirable effects: financing desensitizes the individual to the actual cost of health
care (moral hazard) you only see the costs that you have to pay/since you do not
understand the real costs of health care you are more likely to use health care
Briefly explain how insurance functions in relation to risk for individuals and groups. -
ANSWER - Risk is more unpredictable for individuals
- Risk is more predictable and shared for groups
, Discuss how cost sharing applies to health insurance. - ANSWER People do not need to
use their health insurance benefits since cost sharing reduces the moral hazard.
What is a premium, deductible, and copayment? - ANSWER PREMIUM- monthly payment
DEDUCTIBLE - amount needed before insurance kicks in
COPAYMENT- percentage that you need to pay out of pocket at the point of purchase
^ all three of these reduce moral hazard
Why are managed care plans regarded as health insurance? How do managed care
plans differ from traditional insurance? - ANSWER MCPs are similar to traditional health
insurance because they assume risk in exchange for insurance premiums.
---------
MCPs differ from traditional health insurance because they assume responsibility by
contracting with a network of providers
What is Medicare Part A? Discuss the financing of Medicare Part A. What services does
Part A cover? - ANSWER • hospital insurance
• financed by special payroll taxes paid equally by employers and employees
• mandatory (not voluntary)
• services received during a hospital stay are fully paid for the first sixty days in a benefit
period after a deductible has been met
What is Medicare Part B? Discuss the financing of Medicare Part B. What services are
covered under Part B? - ANSWER • supplementary insurance
• voluntary
• financed by general tax revenues and premium contributions
• enrollees have to pay premiums
• coverage includes physician, ambulance, outpatient rehab, and limited preventive
services; hospital outpatient services, diagnostic tests, radiology, pathology, ER visits,
renal dialysis, prosthetics, etc.
ANSWERS 100% SOLVED
Although medical technology brings numerous benefits, what have been some of the
main challenges posed by the growing use of medical technology in the United States? -
ANSWER - high cost
- overspecialization
- wasteful care
How do American cultural beliefs and values influence the use of medical technology? -
ANSWER - capitalism allows for more innovation
- lack of government intervention
- entitlement to the best care
- overall high expectations
What impact has technology made on access to medical care? - ANSWER - mobile
equipment
- electronic medical records
- telemedicine
What is meant by financing? What are its desirable and undesirable effects? - ANSWER
Desirable effects: enables people to acquire health care
Undesirable effects: financing desensitizes the individual to the actual cost of health
care (moral hazard) you only see the costs that you have to pay/since you do not
understand the real costs of health care you are more likely to use health care
Briefly explain how insurance functions in relation to risk for individuals and groups. -
ANSWER - Risk is more unpredictable for individuals
- Risk is more predictable and shared for groups
, Discuss how cost sharing applies to health insurance. - ANSWER People do not need to
use their health insurance benefits since cost sharing reduces the moral hazard.
What is a premium, deductible, and copayment? - ANSWER PREMIUM- monthly payment
DEDUCTIBLE - amount needed before insurance kicks in
COPAYMENT- percentage that you need to pay out of pocket at the point of purchase
^ all three of these reduce moral hazard
Why are managed care plans regarded as health insurance? How do managed care
plans differ from traditional insurance? - ANSWER MCPs are similar to traditional health
insurance because they assume risk in exchange for insurance premiums.
---------
MCPs differ from traditional health insurance because they assume responsibility by
contracting with a network of providers
What is Medicare Part A? Discuss the financing of Medicare Part A. What services does
Part A cover? - ANSWER • hospital insurance
• financed by special payroll taxes paid equally by employers and employees
• mandatory (not voluntary)
• services received during a hospital stay are fully paid for the first sixty days in a benefit
period after a deductible has been met
What is Medicare Part B? Discuss the financing of Medicare Part B. What services are
covered under Part B? - ANSWER • supplementary insurance
• voluntary
• financed by general tax revenues and premium contributions
• enrollees have to pay premiums
• coverage includes physician, ambulance, outpatient rehab, and limited preventive
services; hospital outpatient services, diagnostic tests, radiology, pathology, ER visits,
renal dialysis, prosthetics, etc.
