1
ROP Test #1 Questions and Answers
(100% Correct Answers) Already
Graded A+
voluntary nonprofit institution Ans: A community facility that
receives federal, state, and local tax exemptions in each for
© 2026 Assignment
providing a community benefit, such as services to Medicaid
patients and those who are unable to pay.
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proprietary institution Ans: A for-profit care facility usually
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owned by a corporation.
Most large hospitals are what kind of institution? Why? Ans:
Most large hospitals are a government institution, because
they are a public health care facility that receives more of its
funding from local, state, or federal sources. This is also due
to the fact that hospitals are expensive to run, and without
government support, it would be difficult, if not impossible, to
run a large hospital.
What is the difference between a HMO and a PPO? Ans: An
HMO plan provides coverage only if the care is delivered by a
member of its hospital, physician, or pharmacy panel.
Meanwhile, a PPO plan allows patients to receive care from a
non-plan provider, but requires them to pay a higher out of
pocket price if they do so.
What is the main benefit/perk of having a PPO? Ans: The
benefit of having a PPO plan is that you get significantly more
benefits than an HMO plan while also having access to nearly
any healthcare service, not binded to a specific
hospital/organization.
, 2
Why have many private practitioners stopped taking insurance
and operate cash only businesses? Ans: Many private
practitioners have stopped taking insurance and operate cash
only businesses to avoid the hassle of dealing with difficult
insurance companies who delay pay, decrease the fee they
owe, and even sometimes refuse to pay for the treatment after
all, leaving the payment in the hands of the patient.
insurance premium Ans: The monthly amount paid to an
insurance company for health insurance coverage." Typically
taken directly from your paycheck.
© 2026 Assignment
deductible Ans: "The money a person pays before the
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insurance policy provides benefits." The insurance will not pay
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for anything—except "well visits" until the deductible is met.
Some plans will pay for a percentage of medications before the
deductible is met.
co-insurance Ans: "The term used to describe plans that
require the insured to share a portion of the costs for health
care services (usually 10 to 30 percent)." After you have met
your deductible, some insurances require that you pay a
percentage of the costs until you meet your "out of pocket
max."
co-pay Ans: A flat-fee that is paid at each appointment.
Different amounts based on service. Ex: an urgent care or
emergency room co-pay is typically higher than an office visit
co-pay.
out of pocket max Ans: The maximum amount of money that
an individual/family has to pay for the year.
civil rights Ans: Basic legal rights held by all US citizens.
ROP Test #1 Questions and Answers
(100% Correct Answers) Already
Graded A+
voluntary nonprofit institution Ans: A community facility that
receives federal, state, and local tax exemptions in each for
© 2026 Assignment
providing a community benefit, such as services to Medicaid
patients and those who are unable to pay.
Guru01 - Stuvia
proprietary institution Ans: A for-profit care facility usually
Expert
owned by a corporation.
Most large hospitals are what kind of institution? Why? Ans:
Most large hospitals are a government institution, because
they are a public health care facility that receives more of its
funding from local, state, or federal sources. This is also due
to the fact that hospitals are expensive to run, and without
government support, it would be difficult, if not impossible, to
run a large hospital.
What is the difference between a HMO and a PPO? Ans: An
HMO plan provides coverage only if the care is delivered by a
member of its hospital, physician, or pharmacy panel.
Meanwhile, a PPO plan allows patients to receive care from a
non-plan provider, but requires them to pay a higher out of
pocket price if they do so.
What is the main benefit/perk of having a PPO? Ans: The
benefit of having a PPO plan is that you get significantly more
benefits than an HMO plan while also having access to nearly
any healthcare service, not binded to a specific
hospital/organization.
, 2
Why have many private practitioners stopped taking insurance
and operate cash only businesses? Ans: Many private
practitioners have stopped taking insurance and operate cash
only businesses to avoid the hassle of dealing with difficult
insurance companies who delay pay, decrease the fee they
owe, and even sometimes refuse to pay for the treatment after
all, leaving the payment in the hands of the patient.
insurance premium Ans: The monthly amount paid to an
insurance company for health insurance coverage." Typically
taken directly from your paycheck.
© 2026 Assignment
deductible Ans: "The money a person pays before the
Guru01 - Stuvia
insurance policy provides benefits." The insurance will not pay
Expert
for anything—except "well visits" until the deductible is met.
Some plans will pay for a percentage of medications before the
deductible is met.
co-insurance Ans: "The term used to describe plans that
require the insured to share a portion of the costs for health
care services (usually 10 to 30 percent)." After you have met
your deductible, some insurances require that you pay a
percentage of the costs until you meet your "out of pocket
max."
co-pay Ans: A flat-fee that is paid at each appointment.
Different amounts based on service. Ex: an urgent care or
emergency room co-pay is typically higher than an office visit
co-pay.
out of pocket max Ans: The maximum amount of money that
an individual/family has to pay for the year.
civil rights Ans: Basic legal rights held by all US citizens.
