Week 4: Paying Health Care Flashcards
_________ avoidable pt problems for which hospitals are not reimbursed by insurance
never events
______ payment for service upfront
Prospective
___________ Insurance for members of the US military, their partners, and dependents
Tricare
_____ insurance plan that is federally administered
Medicare
_____ insurance plan that administered JOINTLY by federal and state government
Medicaid
______ special approval from primary care provider required by HMOs and POs insurance
Referral
_________ is a synonym for universal health care
Single payer system
________ payment from a source other than the patient
Third party payer
______ lump insurance payments based on specific pt diagnosis
Diagnosis related group (DRG)
_________ insurance type that providers free or low-cost preventative services in their plan
Health maintain organization (HMO)
_______ insurance type that restricts pts to in-network providers. Out of network providers are costly to pt
Preferred Provider Organization, (PPO)
_______ Financial incentives to providers and hospitals for providing quality care
Value based purchasing
__________ payment for a service after the fact
retrospective
__________ review required by some insurance companies before agreeing to pay for certain procedures or meds
prior authorization
_______ state health insurance for children not covered by Medicaid
CHIPS
1929: First group health coverage for a monthly charge for teachers in Texas; the beginning of _______________
Blue Cross/Blue Shield
1965: ______________ programs, making comprehensive health care available to millions of Americans
Creation of Medicare and Medicaid
In ______ employee benefit packages were first offered
1950s
_____________ pay Not financially sustainable for government, or private insurers.
Retrospective
Retrospective payment became an _____________ model for paying for care in the US
unsustainable
Up until 1980, the _________ model was used. Doctors were free to order any test, any treatments. The more the better revenue for the doctors.
Medicare expenditures then increased rapidly
It ended because of the federal budget
Retrospective payment (free services)
_____________ payment method is based on DRGs (diagnosis-related group)
The shift was critical for hospitals because medicare was the largest single payer for hospital charges
Prospective Payment Model
Payment to the hospital is set based on this ____________, regardless of length of hospital stay or # of procedures/tests preformed
Diagnosis Related Group
If hospital costs exceed the DRG payment, hospital incurs a loss; if costs are less than the DRG amount, hospital makes a ________
Profit