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AHP HIM
HIT Chapter 1
Question | Answer |
---|---|
Consolidated Omnibus Budget Reconciliation (COBRA) | requires that an employer extend group coverage to an employee for 18-36 months after the employee quits or is laid off |
Cost sharing | a situation where insured individuals pay a portion of the healthcare costs |
Deductible | amount a patient has to pay up front each year before insurance will begin paying |
Entity/entities | parties entering into a written agreement |
Fee-for-service | Plan that allows patients to go to any provider or hospital they choose |
Group plan | one insurance policy that covers a group of people |
Health Insurance Portability and Accountability Act | requires most employee sponsored group health insurance plans to accept transfers from other group plans without imposing preexisting condition clause. |
Health Maintenance Organization Act | provided grants to employers who set up HMOs |
Indemnify | reimburse |
Indemnity insurance | fee for service;Plan that allows patients to go to any provider or hospital they choose |
Indigent | people who are poor and deprived, typically without sufficient resources to take care of their daily needs |
Insurance | the act or business of protecting an individual’s person or property against loss or harm in return for payment |
Insured | policyholder |
Insurer | insuring party |
Managed Healthcare | any system of healthcare in which the health plan attempts to control or coordinate use of health services by its enrolled members. |
Policy | written agreement between two parties |
Preexisting conditions | illnesses and injuries that exist before the effective date of the insurance policy |
Premium | payment for insurance |
Preventive medicine | services provided to keep an individual well or catch an emerging illness in its early stages |