Exam 1: Module 3 Flashcards
uninsured vs underinsured
Uninsured: No healthcare insurance coverage
Underinsured: Have coverage but insuficient to meet needs; admit. health care needs must be paid for by teh individual
Statistics for 2018 people:
- more tha how many people had insurance through employee?
- how much percent is through medicaid
- how much obrained outside employment
- How much is military insurance
- more than half
- 30%
- 11%
- 4%
Outcomes of being uninsured
- Do you lose your savings
- Is it difficult affording necessities
- are there issues with facing persistent bill colection efforts?
- issue borrowing money?
- Is the needs for health insurance unimportant or critical for the well-being of children?
- savings, yes
- lots of difficulty afording necesities
- yes
- yes its difficult to borrow money
- VERY IMPORTANT
Children with health insurance:
- are they more likely to stay healthy and do well in school?
- do they have access to more well-child checkups ands meds
- are they less likely to be absent from school
- Yes because of access to needed services
- yes
- yes, less likely to be absent
How does ACA affect children favorably
- it prevents what?
prevents insurance companies from denying preexisting conditions
1/4 of people with chronic health problems had not filled prescription due to _____
COST
What are the 2 payment sources in the US
- insurance plans typically have what type of deductible requirement?
- Individuals may have to incur ____-____-____ insuranc costs
public insurance
- Medicare, medicaid
Private insurance
- privately or publicly owned companies
- Blue cross/shield, Aetna
Insurance plans typically have yearly deductible requirement
- may require co-pay
- individuals may have to incur out-of-pocket insurane costs expenses
Medicaid is for whom
- lower income individuals
- Families
- Older adults
- People with disabilities
Medicare is for whom
(4 types of People)
people >65 years old
<65 with disabilities
- end stage renal disease
- People with ALS
what are the 2 different parts of medicare
hospital and medical insurance
hospital insurance helps:
does it help to cover in patient care and home health/hospice?
- does it help to cover skilled nursing facilities for the long term?
- does it help for people under 65 years old?
- yes
- yes but only for the short term
- No, only over 65 years old
What does Medical insurance help to cover
- how about other out patient locations?
Helps to cover medically necessary services provided by MD’s NP’s home health, outpatient care and DME
- Covers office visits, screening exams, preventative services
Medicare advantage plans can approve what other insurance?
- Can it include prescription drug coverage?
- Can it also include what other 2 testings?
- it can include prescription drug coverage
- testing for hearing and vision
Prescription drug coverage:
- PRivate insurers need to be __________ with medicare
- can it protect against higher costs in the future
- presc. drug option are run by private insurance companies such as _____ and _____
- approved
-presc. drug option are run by private insurance companies such as HMO’s and PPO’s
For individuals who are self-employed, they must pay the entire…
- policies are typically…
- premium as well as copays and deductibles. Policies are typically a lot of money, cover only the policy holder and re more restricted
