Chapter 3- Legal Concerns and Insurance Issues

Question 1

A legal wrong

Answer 1

Tort

Question 2

Results in an unreasonable risk of harm to others

Answer 2

Negligence

Question 3

A specific amount paid by the policy holder

Answer 3

Copayment

Question 4

Acknowledgement of risk in sports

Answer 4

Assumption of risk

Question 5

The length in time of which an individual can sue

Answer 5

Statute of limitations

Question 6

Treatment not covered by the insurance

Answer 6

Exclusions

Question 7

Written guarantee that a product is safe

Answer 7

Product liability

Question 8

A combination of HMO and HPO

Answer 8

Point of service plan

Question 9

Members make a monthly payment

Answer 9

Capitation

Question 10

Owed by the insured annually before an insurance company pays

Answer 10

deductibles

Question 11

Traditional form of billing for health care

Answer 11

Fee-for-service

Question 12

Describe the standard of reasonable care

Answer 12

Assumes an individual is not skillful or cautious

Question 13

What are the two types of tort?

Answer 13

commission and omission

Question 14

What is liability?

Answer 14

Being legally responsible for the harm of another being

Question 15

What is third party reimbursement

Answer 15

health professionals are paid directly by the insurance company

Question 16

What is a premium?

Answer 16

a periodic payment from an individual to an insurance company

Question 17

What are some health care systems that are designed to contain cost?

Answer 17

HMO
HPO
point of service
indemnity
capitation