Healthecare Part 1 Flashcards
(16 cards)
1
Q
The three-tiered US healthcare system
- Social Security
A
- covers the elderly, unemployed and disabled
- program linked to Medicare & Disability Insurance
- funded by payroll taxes (must have worked/paid in to receive benefits)
2
Q
The Three-Tiered Healthcare System
- Welfare
A
- Covers : low-income n disabled
- linked to Medicaid
- funded by taxes means-tested (based on income)
3
Q
The Three-Tiered Healthcare System
- Private coverage
A
- Covers : those who are employed or can afford to buy insurance
- Provided by employers or bought individually (majority of Americans)
4
Q
What is Medicare 1965
A
National health insurance for people 65+ or with disabilities
5
Q
What is Medicaid (welfare) 1965
A
- Free or low-cost health coverage for low-income individuals, especially children, pregnant women, the disabled n the elderly
6
Q
TANF (welfare)
A
Temporary Aid to Needy Families
- Provides cash assistance n job training for poor families
7
Q
SNAP (welfare)
A
Supplemental Nutrition Assistance Program
- formerly “food stamps” — provides benefits via EBT cards to buy food
8
Q
Head Start (welfare)
A
- Early childhood education, nutrition, n health services for young children in low-income families
9
Q
CHIP (welfare)
A
Children’s Health Insurance Program
- covers healthcare for children in families who earn too much for Medicaid but can’t afford private insurance
10
Q
Private coverage
A
- Employer-based Insurance
- HMO (Health Maintenance Organization)
- requires members to use a network of doctors n hospitals
- usually needs a referral from a primary doctor
- lower cost, but less flexible
- PPO (Preferred Provider Organization)
- Offers more freedom to choose doctors (in or out of network)
- More expensive but more flexible
11
Q
EBT card
A
Electronic Benefits Transfer
12
Q
Social security groups
A
- OASI : Old-Age & Survivors Insurance
- DI : Disability Insurance
- UI : Unemployment Insurance
- Medicare
13
Q
Welfare groups
A
- Medicaid
- TANF
- SNAP
- Headstart
- CHIP
14
Q
Private Coverage
A
- Employer
- HMO
- PPO
15
Q
The uninsured Americans
A
46 million in 2011
29 million in 2016 (Obamacare)
- Part-time or temporary jobs : don’t offer health benefits
- Small companies : no employer-sponsored insurance
- Loss of job : no employer = no insurance
Who ?
- Minority
- Poorer Americans
- Women
- Young Adults
16
Q
The cost of Healthcare
A
$4 Trillion total federal spending
This reflects a **high-cost, unequal system** —inefficient and fragmented compared to many other developed nations with universal coverage.
