HAPP 452 Chapter 1-10 Exam Study Guide
1. The U.S. healthcare system has been referred to "a paradox of excess and
deprivation" because
a. Some people receive too little care because they are uninsured.
b. Some people receive too little care because they are inadequately insured.
c. Some people receive too much care that is costly.
d. All of the above. - ANSWER d
2. Compared to other industrialized countries, the United States' health care system is
(p. 2)
a. The most costly
b. The least universal
c. Both a and b
d. Neither a or b - ANSWER c
3. Some people receive too little health care because (p. 1)
a. They are uninsured
b. They are inadequately insured
c. Physicians will not accept their Medicare coverage
d. All of the above. - ANSWER d
4. Lack of health insurance has become a middle class phenomenon among all except
(p. 2)
a. Those who are self employed
b. Those working in small businesses
c. Those with traditional jobs in manufacturing
d. Those with part time jobs - ANSWER c
5. Excessive health care is a concern because it is (pp. 2)
a. Wasteful
b. Costly
, c. Potentially harmful
d. All of the above - ANSWER d
The mode of payment that is considered to be regressive is (p.12)
a. Out-of-pocket payment.
b. Individual private insurance
c. Employment-based group private insurance.
d. Government financing. - ANSWER a
2. Community rating is able to redistribute funds from the healthy to the sick by (p.8)
a. Providing benefits in excess of premiums to those who become ill.
b. Setting premiums based on community experience, rather than that of subgroups.
c. Charging the same premium for high-risk and low-risk populations.
d. All of the above - ANSWER d
3. Which of the following is true of experience rating? (p. 7)
a. High risk patients pay relatively low premiums.
b. It provides affordable coverage to the chronically ill.
c. Young, healthier groups have cheaper premiums.
d. The elderly have among the lowest premiums. - ANSWER c
4. Max, who has worked all his life for Ford motors, is now 65 years old. He has not yet
retired. Max is eligible for: (p. 11-12)
a. Medicare Part A
b. Medicare Part B
c. Both A and B
d. None of the above - ANSWER c
The mode of payment that is considered to be proportional is (p.13)
a. Out -of pocket payment
b. Individual private insurance
c. Employment-based group private insurance
1. The U.S. healthcare system has been referred to "a paradox of excess and
deprivation" because
a. Some people receive too little care because they are uninsured.
b. Some people receive too little care because they are inadequately insured.
c. Some people receive too much care that is costly.
d. All of the above. - ANSWER d
2. Compared to other industrialized countries, the United States' health care system is
(p. 2)
a. The most costly
b. The least universal
c. Both a and b
d. Neither a or b - ANSWER c
3. Some people receive too little health care because (p. 1)
a. They are uninsured
b. They are inadequately insured
c. Physicians will not accept their Medicare coverage
d. All of the above. - ANSWER d
4. Lack of health insurance has become a middle class phenomenon among all except
(p. 2)
a. Those who are self employed
b. Those working in small businesses
c. Those with traditional jobs in manufacturing
d. Those with part time jobs - ANSWER c
5. Excessive health care is a concern because it is (pp. 2)
a. Wasteful
b. Costly
, c. Potentially harmful
d. All of the above - ANSWER d
The mode of payment that is considered to be regressive is (p.12)
a. Out-of-pocket payment.
b. Individual private insurance
c. Employment-based group private insurance.
d. Government financing. - ANSWER a
2. Community rating is able to redistribute funds from the healthy to the sick by (p.8)
a. Providing benefits in excess of premiums to those who become ill.
b. Setting premiums based on community experience, rather than that of subgroups.
c. Charging the same premium for high-risk and low-risk populations.
d. All of the above - ANSWER d
3. Which of the following is true of experience rating? (p. 7)
a. High risk patients pay relatively low premiums.
b. It provides affordable coverage to the chronically ill.
c. Young, healthier groups have cheaper premiums.
d. The elderly have among the lowest premiums. - ANSWER c
4. Max, who has worked all his life for Ford motors, is now 65 years old. He has not yet
retired. Max is eligible for: (p. 11-12)
a. Medicare Part A
b. Medicare Part B
c. Both A and B
d. None of the above - ANSWER c
The mode of payment that is considered to be proportional is (p.13)
a. Out -of pocket payment
b. Individual private insurance
c. Employment-based group private insurance
