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University of South Carolina HSPM 412 1)Social insurance is a

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University of South Carolina

HSPM 412

1)Social insurance is

a.insurance that provides a payment equal to the size of the loss.

b.            insurance supported by tax payers and available to those government extends it to regardless of age, health status, and ability to pay.

c.             a state in which multiple outcomes are possible and the likelihood of possible outcomes is unknown.

d.            insurance where the amount earned on an investment is  translated into an annual interest rate.

 

2.            Premiums for private insurance are determined by

 

a.            rates that are determined by the federal government.

b.            Asking individuals what they want to pay for care

c.             Soliciting one physician at a time

d.            Expected medical care spending and those who are in the risk pool.

 

3.            Many individuals without health insurance receive care from hospitals that by law must provide appropriate medical screening. If an uninsured individual cannot pay their medical bill, how will the hospital most likely cover those uncompensated care costs?

 

a.            Cost shifting onto those patients with private insurance.

b.            Advertising their services via commercials.

c.             Soliciting multi-specialty physicians’ practices.

d.            Collaborating with more solo practitioners and their associates.

 

4.            Analysts estimate that there are approximately 48 million uninsured Americans. Which of the following is a not true statement about the uninsured?

 

a.            Young and healthy uninsured don’t believe they need it

b.            Some of the uninsured have health problems and are not able to get private health insurance.

c.             Many of the uninsured do not work or want to work

d.            The lack of health insurance means that the individual has limited access to medical care.

 

 

5.            In general, people buy insurance

a.            because they are risk averse.

b.            to defer consumption.

c.             because of externalities.

d.            because of scarcity.

 

6.            Young adults who range in age from 20 to 26 are primarily helped through what provision of health care reform

 

a.            the fact that insurance plans provide a payment equal to the size of the loss.

b.            the fact that social insurance is supported by tax payers and available to those government extends it to regardless of age, health status, and ability to pay.

c.             the ability to stay on their parents insurance plan until age 26 regardless of whether they attend college or not. 

d.            the ability to access insurance where the amount earned on an investment is translated into an annual interest rate.

 

7.            According to Jacobs and Skocpol who is paying the majority of the bill to extend health insurance coverage to 30 million Americans.

 

a.            orthopedic specialists who will take lower reimbursement rates.

j.             the majority of tax paying Americans.

k.            family practitioners who will take lower reimbursement rates.

l.              The most affluent 3% of Americans who face increased Medicare and investment taxes. 

 

 

8.            John Gruber describes health care reform as a three-legged stool.           What comprises the three legs of the stool?

 

a.            cost shift onto patients with private insurance, freeing markets from adverse selection, and lowering reimbursement rates to providers.

b.            stop denying people coverage for preexisting conditions, mandate that people buy health insurance, and make health insurance affordable. 

c.             soliciting multi-specialty physicians’ practices for lower prices, mandate insurance, and make health insurance affordable

d.            encourage collaboration among solo practitioners, cost shift onto patients with private insurance, and make health insurance affordable.

 

 

9.            Think back to the two main problems in US health care markets. Health care reform deals with one more directly by

 

e.            Reducing             the         growing                number                of            uninsured           through                mandating insurance coverage

f.             reducing the rising cost of health care.

g.            directly giving hospitals money to pay for uncompensated care costs.

h.            paying family practitioners higher reimbursement rates for Medicare.

 

10. According to Jacobs and Skocpol, “job lock” is when

 

e.            U.S. workers fail to purchase health insurance coverage because they are risk seeking.

f.             U.S. workers are afraid to leave their job because they will not be able to a consume luxury items.

g.            U.S. workers fail to purchase health insurance coverage because they can’t afford it.

h.            US workers are afraid to leave their job to pursue new opening out of a concern for holding onto their insurance benefits.