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Ch 1,2,14
Health Insurance Today
| Question | Answer |
|---|---|
| Financial protection against loss or harm typically is referred to as? | Insurance |
| Health insurance narrows down "undesired events" to? | Illness and Injuries |
| Keeping a person well or catching and treating an emerging illness in its early stages is referred to as? | Preventive medicine |
| The beginnings of modern health insurance occurred in 1850 in? | England |
| Health insurance was "born"in the United States in 1929 with a plan that later became known as? | Blue Cross |
| Blue Cross and Blue Shield plans traditionally established premiums wherein everybody isn the community paid the same premium, called? | Community rating |
| A profound change in form from one stage to the next in the life history of an organism is referred to scientifically as? | Metamorphosis |
| HMOs were first recognized in the United States in the? | 1970s |
| A type of insurance that provides comprehensive major medical benefits and allows insured individual(s) to choose and provider when seeking medical care is called? | Indeminity insurance |
| Many indiviuals employed full-time (or for a specific number of hours per week) are eligible for? | A group insurance plan |
| When certain illnesses or injuries exist before the effective date of an insurance policy and are not covered by the policy, these conditions are commonly referred to as? | Preexisting conditions |
| If an insurance company thinks an applicant presents to much of a risk, he or she will be put into a category referred to as a? | High-risk pool |
| To get around the problem of individuals with preexisting conditions being afraid to change jobs for fear of losing healthcare coverage, Congress introduced? | HIPAA |
| Experts believe that increasing health care costs are due to? | The "graying of America",advances in medical technology, more demand for healthcare |
| Any health plan that attempts to control or coordinate the use of healthcare to contain expenditures, improve quality, or both falls under the category of? | Managed healthcare |
| The word "insurance" comes from the Latin word? | Securitas |
| Who in 1929 introdueced a plan that evolved into Bulue Cross? | Justing Kimball a Baylor University professor in Dallas |
| The Blue Shield plan got its start in the _____ (geographyical area of United States). | Pacific Northwest |
| ______ and ________ are the federal healthcare programs that began during President Johnson's term in 1995. | Medicare and Medicaid |
| A ______is a plan that provides heatcare form specific physicans and hospitals who cntract with that plan. | HMO |
| The "traditional" or Standard" type of health car plan is called a _____ plan or ______ ______ ______ plan. | Indemnity Insurance, Fee For Service |
| An insurance policy that covers several indiviuals, often sharing common professions, is called a ______ policy. | Group |
| Certain illnesses or injuries that exist before an effective date of an insurance poicy are commonly referred to as ______ ____ | Pre existing conditions |
| The nationally recognized title for a healthy insurance professional is? | Nonexistent for this broad specialty |
| To increase the potential for success, candidates entering the health insurance field should possess which of the following college entry-level skills? | Reading and comprehension,basic business math, English and grammer |
| Typical program length for a career as a health insurance professional in community colleges and technical schools | 2-4 years |
| The concept that learning will not stop when individuals graduate from a college or career program but that they will continue to learn for the rest of their lives is called | Lifelong learning |
| The process of organizing daily responsibilities by the order of their importance is called? | Prioritizing |
| Self-discipline, possessing a positive attitude, and diligence are example of? | Desirable personality traits |
| Writing down important facts from lecture and readings in your own words is called? | Paraphrasing |
| Possessing the ability to work without direct supervision is? | Autonomy |
| The growth of certain types of medical facilites has greatly increased the demand for employees with a solid background in coding and excellent computer skills. There are? | Outpatient clinics,Inpatient clinics, Ambulatory car facilities |
| As an alternative to working in a medical office, health insurance professionals have the option of working independently from? | Home-base offices |
| Graduates of a health insurance professional program can enhance their career through? | Certification |
| The standard insurance form used by all government and most commercial insurance payers is? | CMS-1500 |
| Creating a good patient-staff relationship begins when? | The patient telephones for an appointment |
| The healthcare staff can find out what their patients' expectations are by? | Asking questions |
| The services offered by a medical facility usually cannot be felt or seen, which means they? | Are intangible |
| Most physicians prefer to leave the subject of fees up to their? | Reception staff |
| Experts predict that over the next 30 years the number of Americans older than age 65 will | Decrease by about 20% |
| Data that are explicitly link to a particular individual are referred to as | Protected health information and Individually identifiable health information |
| An arrangement by which a patient requests that his health insurance benefit payment be made directly to a physician or hospital is called a? | Assignment of benefits |
| Although healthcare practitioners are dedicated to the health and well-being of their patients, their ultimate goal is? | Making a profit |
| The total amount of fees collected divided by the total amount charged provides the practice with a? | Collection ration |
| A patient's name, age, address, telephone number, social security number, and employer information are generally referred to as? | Demograhics |
| When a medical facility uses patient billing software, it is crucial to? | Input data correctly |
| Most medical offices send out statements periodically, which is referred to as a? | Billing cycle |
| Patients who have inadequate health insurance coverage or no insurance at all are called? | Self-patients |
| When no insurance is listed on a patient information form, the health insurance professional should? | Inquire as to why no insurance is listed |
| An installment payment plan of more than four payments falls under? | The Federal Truth in Lending Act of 1968, Regulation Z |
| The act that deals primarily with credit reports issued by credit reporting agencies is called? | The Fair Credit Reporting Act |
| An organization that obtains or arranges for payment of money owed to a third party is referred to as a | Collection agency |
| The process available to individuals or businesses to recover legitimate debts without using expensive legal advisors | small claims litigation |
| In a small claims suit, the party initiating the action is referred to as the? | Plaintiff |
| The party being sued is the? | Defendant |
Created by:
Nikbry