Intro Chapter 2 Flashcards
How do you describe the US healthcare delivery system
Multi tiered
What does the DHHS oversee
All health related concerns of the general public international
What subdivisions are included in the DHHS
WHO CDC HUD OSHA EPA FDA USDA Disaster response
What is the DHHS emphasis
Monitoring, policy development, and ensuring healthcare accessibility
What is Medicare and the parts of Medicare
Medicare is an insurance program funded by the US government for those over 65 who paid into Social Security
Includes Part A Part B part C part D
Describe Medicare part A
Free to everyone Eligible, covers essential hospital costs but has a limited number of days
Also covers disabled and end stage renal disease patients
Define premium
Amount of money paid each month to an insurance company
Define deductible
Specified amount of money the patient pays before an insurance company will pay a claim
Describe Medicare part B
Covers doctors visits and outpatient services
Requires premium and deductible only covers 80% of expenses
Frequently Used with private insurances
Describe Medicare part C
A combination of A, B, and D only has one premium
Describe Medicare part D
Covers prescribed drugs on formulary (restrictions)
has premium and deductible
many elder people drugs are not covered
What is Medicaid
We aid everyone
Health insurance for the poor pregnant and very young (under five)
Only has a premium if dental and vision added
WIC
At would level is Medicaid dispersed
STATE
What is CHIP and who is it available for
CHIP Was created for children to have a fordable means to access healthcare
If above poverty line
What is Texas Health steps
An early and periodic screening, diagnosis, and treatment program specifically for children under Medicaid
Private health insurance
Private or employer sponsored
“BCBS”
Premiums requires
May have Deductibles or co pays
Subcategories of private health insurance
HMO
PPO
HMO information dump
Coordinated through primary doctor
few plans out there
Specified amount of money for each patient
no reimbursement (prospective payment)
primary controls health care (i.e. referrals diagnostic test and health services)
PPO information dump
Patient selects from a list of approved doctors and specialists
in the majority
yes reimbursements for preestablished fees (retrospective reimbursement)
Affordable care act a.k.a. Obamacare
Intentions
Meant to improve quality of healthcare, improve access, and lower costs