Brainarium

A characteristic of Preferred Provider Organizations (PPOs) would be: - The correct answer is "Discounted fees for the patient". Under Preferred Provider Organizations, patient fees are discounted in return for using listed providers. A comprehensive major medical health insurance policy contains an Eligible Expenses provision which identifies the types of health care services that are covered. All of the following health care services are typically covered EXCEPT for - experimental and i...

all-cause deductible - with an all-cause deductible, expenses for any number of different or the same type of illness or accidents are accumulated to meet the deductible during a single calendar year. Once enough expenses have been paid by the insured to meet the stated deductible, all other covered charges are paid during the remainder of the calendar year. Under the all-cause deductible arrangement, there is also usually a carryover provision that permits expenses incurred during the last ...

A Hospital/Surgical Expense policy was purchased for a family of four in March of 2013. The policy was issued with a $500 deductible and a limit of four deductibles per calendar year. Two claims were paid in September 2013, each incurring medical expenses in excess of the deductible. Two additional claims were filed in 2014, each in excess of the deductible amount as well. What would be this family's out-ofpocket medical expenses for 2013? - $1,000 (In this situation, the insured's maximum...

A characteristic of Preferred Provider Organizations (PPOs) would be: - Discounted fees for the patient A comprehensive major medical health insurance policy contains an Eligible Expenses provision which identifies the types of health care services that are covered. All of the following health care services are typically covered EXCEPT for hospital charges physician fees experimental and investigative services nursing services - experimental and investigative services A Health Reimburse...

$240 - Dan has a major medical expense policy with a $200 deductible and an 80/20 coinsurance provision. He incurs covered medical expenses of $100 in November and $400 in January. Under the carryover provision, what will the insurer pay? $800 - Larry has a Major Medical Expense policy for his family with a $1,000 per family/per year deductible and an 80/20 coinsurance provision. If Larry's family files four claims of $400, $800, $100, and $700 in one year, how much will the insurance comp...

A characteristic of Preferred Provider Organizations (PPOs) would be: - Answer-Discounted fees for the patient A Hospital/Surgical Expense policy was purchased for a family of four in March of 2013. The policy was issued with a $500 deductible and a limit of four deductibles per calendar year. Two claims were paid in September 2013, each incurring medical expenses in excess of the deductible. Two additional claims were filed in 2014, each in excess of the deductible amount as well. What wou...

Automobile insurance - Provides payments for both liability and property insurance on a vehicle Beneficiary - Someone who receives money if an insured person dies Claim - A formal request to an insurance company asking for a payment when the policyholder has an accident, illness or injury Co-insurance - Requires the insured individual to pay a fixed percentage of the loss after the deductible has been paid Coverage - The risks covered and amount of money paid for losses under an insurance ...

Auto Insurance - Answer-Provides financial protection against losses caused by an auto accident or other damage to a car. Collision - Answer-Provides for the repair or replacement of the policy owner's car damaged in an accident. Comprehensive - Answer-Covers the cost of damage to an automobile as a result of fire, theft, or storms. Disability insurance - Answer-Provides income over a specified period when a person is ill and unable to work; most policies end at retirement age of 65-70. ...

adjustable life - insurance intended to combine best of term & permanent coverage insurance insured determines how much coverage is needed and the affordable amount of premium. the insurer then determines the appropriate type of insurance to meet he insured's needs policyowner can make adjustments to policy as needs change annually renewable term - the purest form of term insurance death benefit remains level and the policy may be guaranteed to be renewable each year without proof of insu...

A business will typically use which type of life insurance to cover their employees? - Group policy - Adjustable life policy - Whole life policy - Endowment policy - Answer-Group policy A life insurance policy that contains a guaranteed interest rate with the chance to earn a rate that is higher than the guaranteed rate is called - Whole life - Group life - Credit life - Universal life - Answer-Universal life A life insurance policy that has premiums fully paid up within a stated time...

automobile insurance - payment for liability and property insurance on a vehicle beneficiary - someone who receives money if an insured person dies claim - a formal request to an insurance company asking for a payment when the policyholder has an accident, illness or injury co-insurance - requires the insured individual to pay a fixed percentage of the loss after the deductible has been paid coverage - The risks covered and amount of money paid for losses under an insurance policy deducti...

Absolute assignment - Involves transferring all rights of ownership to another person or entity. It is a permanent and total transfer of all policy rights. The new policy owner does not need to have an insurance interest in the insured. Automatic premium loan provision - This provision is commonly added to contracts with cash value at no additional charge. This is a special type of loan that prevents the unintentional lapse of a policy due to the nonpayment of premiums. For example, if a po...

2.5 years - Average length of long-term disabilities Cash value - The amount of money paid out by an insurance company based on the current worth of the item Claim - A formal request from the customer to an insurance company asking for a payment based on the terms of the insurance policy Collision Coverage - Auto insurance that protects you against costs to repair your own vehicle after a crash Comprehensive Coverage - Auto insurance that protects you against costs to repair or replace y...

General Liability insurance - Answer-Business owners purchase general liability insurance to cover legal hassles due to accident, injuries and claims of negligence. what does the general liability protect? - Answer-They protect against payments as the result of bodily injury, property damage, medical expenses, libel, slander, the cost of defending lawsuits, and settlement bonds or judgments required during an appeal procedure. Product Liability Insurance - Answer-Companies that manufacture,...

Bodily Injury Liability - Answer-insurance that covers physical injuries caused by a vehicle accident for which you are responsible Collision Insurance - Answer-This covers the car of the insured person and pays for repairs after an accident or cash compensation if the car can't be repaired. This type of coverage is usually optional Comprehensive Insurance - Answer-Damaged by anything other than a collision, insurance pays bill, covers theft, damage caused by fire, explosions, natural disa...

A strategy for protecting against the chance of loss is also called - risk management. After an accident or loss, a policyholder should submit a _____________ to receive funds from his/her insurance company. - claim. An insurance policy is - a highly detailed legal contract. If someone is over-insured, this means that the person - overestimated the value of insurance he/she needs. Most states legally require drivers to carry - automobile insurance. Some of the benefits to having property ...

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5 rights of delegation - 1. right task 2. right circumstances 3. right person 4. right direction/communication 5. right supervision ADPIE - A= assessment data D= nursing diagnosis P= plan I= implementation of care E= evaluation of care Affective Outcomes - tell us about the patient's values, beliefs, attitudes and any changes assessment - *includes things we observe ask both subjective and objective *head to toe assessment *signs and symptoms the patient has like fevers, V/S, pain ...

A new nurse who is being oriented to the subacute care unit is expected to follow existing standards when providing patient care. Which nursing actions are examples of those standards? select all that apply. a. monitoring patient status ever hour b. using intuition to troubleshoot patient problems c. turning a patient on bed rest every 2 hours d. becoming a nurse mentor to the student nurse e. administering pain medication ordered by the physician f. becoming involved in the community nu...

3 parts of formatting a nursing diagnosis - Answer-problem, etiology, defining characteristics 4 types of nursing assessments - Answer-initial comprehensive, focused, emergency, time-lapsed A home care nurse determines how much nursing care is needed by an elderly stroke patient living with her daughter - Answer-planning A home care nurse helps the physical therapist exercise the patient's limbs - Answer-implementing A male client is admitted to the hospital with blunt chest trauma afte...