Exam 2

Question 1

how much we spent on health care in US in 2013?

Answer 1

$2.9 trillion/year

Question 2

How much of GDP do we pay for healthcare?

Answer 2

18% - per capita spending exceeds that of all other industrialized counties.

Question 3

Paradox of US healthcare system

Answer 3

We treat preventable illness rather than invest in prevention.

Question 4

Why do we cost so much?

Answer 4

• treatment vs. prevention
• Administrative costs
• prescription drug costs
• chronic diseases

Question 5

In 2013, how many people are insured?

Answer 5

87% insured, 13% not insured. 68% of the uninsured cannot afford it.

Question 6

How many US people have private insurance

Answer 6

68%

Question 7

How many US people are covered by govt insurance

Answer 7

28%

Question 8

Traditional fee-for-service plans: undamaged care is provided by

Answer 8

both commercial insurance companies and non-for-profit organizations

Question 9

strengths of private insurance

Answer 9

greater flxibility, unrestricted access to physicians and treatment.

Question 10

weakness of private insurance

Answer 10

physicians may provide more services/tests/treatment than needed

Question 11

Types of private insurance

Answer 11

• traditional-fee-for-service plans
• managed care system
• managed care program
• health maintenance organization (HMOs)
• prefered provider organization.
• point-of-service plans)
• cosumer-directed health plans

Question 12

goal of managed care program

Answer 12

• improve quality of health care with reduced costs
• job-based coverage has increased since 80s’
• by law, employers with over 25 employees must offer HMO membership as a n alternative to traditional health insurance.

Question 13

health maintenance organization

Answer 13

pre-paid plan
enrollees are members , fee per year 
provide all medical services 
members select primary care physician
use plan providers or face penalty

Question 14

Medicare

Answer 14

cover 65+ years old, about 95% seniors are covered