Lecture 4 Flashcards

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1
Q

is health defined as the absence of disease?

A

NO - not merely the absence of disease.

involves “wellness” – family situation, neighborhood, etc

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2
Q

healthcare used to be SOMATIC based, meaning what?

A

soma = body
only to do with physical sickness

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3
Q

what contributes to health?

A

physical health, mental health, AND environmental factors. HOLISTIC VIEW

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4
Q

African americans are more likely to have diabetes and get sickle cell anemia.

what is the term for this?

A

health disparity

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5
Q

disparity is a ______ related issue

A

access

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6
Q

what is PPACA

A

obamacare – affordable care act

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7
Q

what year was the affordable care act

A

2010

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8
Q

what was the purpose of the affordable care act?

A

to address the problem of disparity. not so much to completely resolve it

improve access to health insurance and therefore to healthcare

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9
Q

what do the bridge access program and obamacare have in common?

A

both address the issue of disparity

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10
Q

approximately how many adults in the united states do not have health insurance?

A

25-30 million

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11
Q

having networks, in a way is good because it ensures……..

A

QUALITY of the service

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12
Q

under obamacare, do networks still exist

A

yes

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13
Q

what is the HEART of obamacare?

A

the individual mandate — makes everyone purchase health insurance. if not, you get fined

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14
Q

does the individual mandate still exist today?

A

no — deemed unconstitutional

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15
Q

what is obamacare insurance exchange?

A

a website/marketplace to buy insurance

-may be cheaper than what your employer offers

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16
Q

How much does the US spend annually just on PREMIUM PAYMENTS? (cost of insurance)

A

$7911 for single
$22,463 for family

averaging to around $12,000/year or $1000/month

17
Q

premium is determined by 1 of 2 things….

A

community rating or experience rating

community rating: prevents health insurers from varying premiums based on health status, age, gender, etc

experience rating: premiums ARE adjusted based on age, gender, and health history

18
Q

what does “moral hazard” mean

A

people who don’t have to pay are likely to use more medical services just because they can

19
Q

What does adverse selection mean

A

someone waits until they are sick before applying for a health insurance policy

20
Q

in experience rating, premium is tied directly to….

A

experience with healthcare

21
Q

people in riskier jobs have to pay more premiums

is this an example of community or experience rating?

A

community

22
Q

which is better community or experience rating

A

community

23
Q
A