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Health
| Question | Answer |
|---|---|
| Why is it important to access reliable health care? | Because when you are sick or injured you may need immediate help. Knowing where to get medical help and how to pay for it can save time, hassle, stress, and money. |
| What is a health care provider? | A trained professional who provides people with medical care. |
| What is a physician? | An independent health-care provider licensed to practice medicine. |
| What are the job duties of a physician? | To obtain medical histories, perform physical exams, give diagnoses, prescribe medications, and in some cases perform surgery. |
| What are the two types of physicians? | 1) Doctor of Medicine (MD) 2) Doctor of Osteopathy (DO) |
| What is osteopathy? | A type of medicine that uses common medical procedures but emphasizes the relationships between body systems, teaching that if one system is disturbed, it can affect others. |
| What is primary care? | General health care, usually the first contact a patient has with a physician. Primary care doctors can refer patients to specialists. |
| What is a specialist? | A professional with advanced training in a particular area; about two-thirds of physicians are specialists. |
| What is a health care practitioner? | An independent health-care provider licensed to provide general or specialized care for a specific body area. |
| What is a podiatrist | A Doctor of Podiatric Medicine (DPM) who specializes in care and treatment of the feet. |
| What is an optometrist? | An eye care professional trained in optometry who can examine eyes, prescribe corrective lenses, and provide exercises for eye problems. |
| What is a dentist? | A Doctor of Dental Surgery (DDS) or Doctor of Medical Dentistry (DMD) who specializes in care and treatment of the teeth and mouth. |
| What are allied professionals? | Trained health-care providers who work under the supervision of a physician or practitioner (e.g., audiologists, dental hygienists, pharmacists, physical therapists, radiologists). |
| What questions should you ask yourself about your health-care provider? A: | Do I feel comfortable sharing needs/concerns? Did they answer my questions? Did they help me make a health plan |
| What is a premium? | The amount paid for insurance coverage. |
| What is a claim? | A bill from the health-care provider sent to the insurance company. |
| What is an insurance policy? | A legal document that outlines the terms of coverage. |
| What is a deductible? | The amount an individual must pay before insurance pays claims. |
| What is a co-payment? | The portion of a medical fee the individual must pay, regardless of deductible. |
| What is managed care? | A system that controls the types of health care individuals receive and the costs paid. |
| What are two types of managed care organizations? | Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs). |
| What is an HMO? | A business that organizes health care services for its members |
| What are key features of HMOs? | May require selecting a primary care physician (PCP). May require PCP referrals for specialists/tests. No coverage outside the HMO network. Lower premiums, usually low or no deductible. |
| What is a PPO? | A business with contracts with providers who agree to reduced rates. |
| What are key features of PPOs? | Can see doctors/specialists without PCP first. Coverage possible outside network (but higher costs). Premiums are higher, and there’s often a deductible. |
| What should your health insurance cover? | Standard risks of illness and injury for family members, plus special ongoing conditions. |
| Who qualifies for Medicare? | People 65+ and individuals who have received Social Security disability benefits for 2+ years. |
| Who qualifies for Medicaid? | People with low incomes. |
| What is a covered expense? | A medical expense paid for under the health insurance plan. |
| What is an excluded expense? | A medical expense not paid for by the health insurance plan. |
| What is a pre-existing condition? | A health problem a person had before being covered by insurance. |
| Why should you shop carefully for health insurance? | To compare coverage, find affordable options, and avoid exclusions. |
| : What is group health insurance? | Insurance offered by trade groups, unions, associations, or chambers of commerce. |
| What groups may states provide insurance pools for? | People with chronic diseases, agricultural workers, asbestos workers, scuba divers. |
| What percent of 18–24-year-olds are uninsured? | 27.3%. |
| What is CHIP? | The Children’s Health Insurance Program, created in 1997. |
| What is short-term health insurance? | Temporary coverage for people between jobs, lasting up to 6 months (renewable once). |
| What is COBRA? | A law giving workers the right to continue employer health benefits after job loss, reduced hours, or major life events. |
Created by:
Druff_23