Health Insurance Programs Essay Assignment
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Health Insurance Programs Essay Assignment
Question 1
Self-funded or self-insurance programs are health insurance programs that are implemented and controlled by the employee themselves. Therefore, the employee maintains the risk.
True
False
10 points
Question 2
A company who provides their own health insurance will purchase reinsurance from another insurance company to protect themselves from any catastrophic losses. The reinsurance sets a stop loss measure that limits the amount the company will pay for claims.
True
False
10 points
Question 3
Flexible spending accounts (FSA) provide employees with the option of setting aside pretax income to pay for out of pocket medical expenses. Employees must submit claims for these expenses and are reimbursed from their spending accounts. The drawback is that the amount set aside must be spent within one year.
True
False
10 points
Question 4
The most common type of prospective reimbursement is a service benefit plan which is used primarily by managed care organizations.
True
False
10 points
Question 5
Used in both fee for service and prepaid plans, premiums are costs that the patient must pay at the time they receive the services.
True
False
10 points
Question 6
A recent trend in health insurance plans is consumer driven health plans which are tax advantage plans with high deductible coverage. The most common CDHPs are health reimbursement arrangements (HRAs) and health savings accounts (HSAs).
True
False
10 points
Question 7
Very few insurance policies require a contribution from the covered individual which may be a copayment, deductible or coinsurance which is called cost sharing.
True
False
10 points
Question 8
Medicare is an entitlement program because people, after paying into the program for years, are entitled to receive benefits.
True
False
10 points
Question 9
Why was health insurance developed?
To reduce the amount of absenteeism by employees. Companies’ felt responsible for the health of their employees. Companies wanted to provide free health care services to their employees. Like homeowner’s insurance or life insurance, provide protection to an employee in the event they required health care. 10 points
Question 10
Most insurance policies require a monetary contribution from the covered individual which is called:
Copayment Deductible Coinsurance All three are correct. 10 points
Question 11
Catastrophic health insurance policies provide which of the following:
Outpatient and inpatient services, surgery, laboratory testing and therapies. Hospital services reimbursement with limits on hospital stays. Reimbursement for mental health diseases only. Unusual illnesses policy which has a high deductible and a lifetime reimbursement cap. 10 points
Question 12
The Flexible Spending Account (FSA) has the following characteristics:
An option of setting aside pretax income to pay for out of pocket medical expenses. The funds accumulated over a year must be spent within the year. Allows employees who work for small companies (less than 50 employees) who have high deductible plans, can use an MSA to set aside pretax dollars to be used for their premiums and non reimbursed healthcare expenses. All of the statements are correct. 10 points
Question 13
What is Medicare Part B?
It is the managed care component of Medicare. Provides for prescription drug plans Supplemental health plan to cover physician services. It is financed from payroll taxes. 10 points
Question 14
Which sector of healthcare service accounted for the most spending?
Clinical services Hospital services Podiatrists and chiropractors Home healthcare services 10 points
Question 15
Medicare is an example of what type of health insurance?
Public welfare insurance Social insurance Managed care insurance None are correct 10 points
Question 16
A copayment, deductible and coinsurance are also called:
Cost sharing Medigap expenses Self funded expenses Private health expenses 10 points
Question 17
_____________________ is an entitlement program because people have been paying into the program for years to receive benefits.
Medicare Medicaid CHIP All are entitlement programs Health Insurance Programs Essay Assignment
RUBRIC
Excellent Quality
95-100%
Introduction 45-41 points
The background and significance of the problem and a clear statement of the research purpose is provided. The search history is mentioned.
Literature Support
91-84 points
The background and significance of the problem and a clear statement of the research purpose is provided. The search history is mentioned.
Methodology
58-53 points
Content is well-organized with headings for each slide and bulleted lists to group related material as needed. Use of font, color, graphics, effects, etc. to enhance readability and presentation content is excellent. Length requirements of 10 slides/pages or less is met.
Average Score
50-85%
40-38 points
More depth/detail for the background and significance is needed, or the research detail is not clear. No search history information is provided.
83-76 points
Review of relevant theoretical literature is evident, but there is little integration of studies into concepts related to problem. Review is partially focused and organized. Supporting and opposing research are included. Summary of information presented is included. Conclusion may not contain a biblical integration.
52-49 points
Content is somewhat organized, but no structure is apparent. The use of font, color, graphics, effects, etc. is occasionally detracting to the presentation content. Length requirements may not be met.
Poor Quality
0-45%
37-1 points
The background and/or significance are missing. No search history information is provided.
75-1 points
Review of relevant theoretical literature is evident, but there is no integration of studies into concepts related to problem. Review is partially focused and organized. Supporting and opposing research are not included in the summary of information presented. Conclusion does not contain a biblical integration.
48-1 points
There is no clear or logical organizational structure. No logical sequence is apparent. The use of font, color, graphics, effects etc. is often detracting to the presentation content. Length requirements may not be met
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