Healthcare financing Flashcards
What are the costs involved in health care
caregivers equipment supplies location support services
What are the types of payment for healthcare
out of pocket
individual private insurance
employer-based priveate insurance
gov. financing
Who is majority of population covered by?
employment based private insurance
Who has largest expidenture of all payment types?
Government financing
third party payment
individual private insurance
Began as hospital-based plans to “Attract: customers
Employment based private insurance
financing for poor and elderly unable to access employer-based health insurance. from taxpayers
government financing.
social insurance vs. public assistance
medicare
medicaid
Hospital insurance plan financed through social security
Medicare part A (inpatient)
Physician services, financed by federal taxes and monthly beneficiary premiums
Medicare part B
outpatient
state-run program for low-income funded by federal and state taxes
medicaid
Prescription drug coverage
Medicare Part D
Companion program to medicare covering children
CHIP
What are the burdens of healthcare financing
Progressive
Regressive
Proportional
Rising percentage of income as income increases
Progressive payment
Ratio of payment to income same for all classes
Proportional payment
Most common US insurance.
occurs with high levels of payment for low-income families. falling percentage as income increases
Regressive payment
Ability of person to obtain health care services when needed
access
What is goal of ACA
to have access in a fair way so providers don’t have to shift cost
What are the dimensions of access?
availability accessibility Accommodation Affordability Acceptability
What are the vulnerable populations?
predisposed
Enabled
Needs
Who is more likely to delay or go without care due to cost?
uninsured adults
Know ppl likely to be uninsured
those predisposed and other common sense ones
What are some barriers to accessing needed medical treatment if you have insurance
Premiums and out of pocket payments
Characteristics of market justice
assumes free market
supply driven by demand
based on ability to pay
Characteristic of social justice
a social resource
require government role
driven by planning
equal access
Consumer behavior leading to higher utilization of health care services when services are covered by insurance
Moral hazard
higher burden of illness, injury, mortality experienced by one population group relative to another
health disparity
differences between health care coverage, access to care, and quality of care
health care disparity
has uninsurance rates increased or decreased since 2010?
decreased
