Hnit 1 Test

Question 1

Affordable Healthcare Act (ACA)

Answer 1

Health care reform enacted in March 2010

Question 2

CDC (Centers for disease control)

Answer 2

Federal agency devoted to protecting public health in the United States.

Question 3

Coinsurance

Answer 3

The spreading of risk between the insured and the insurer - the part (or %) of medical costs you pay once you have met your deductible.

Question 4

Copay

Answer 4

The amount that is required by a patient to pay for a covered medical or health service - fixed amount paid directly to the doctor, hospital, or other provider for medical services when you receive them.

Question 5

Deductible

Answer 5

The amount of money that is paid out-of-pocket by the insured before insurance pays any expenses

Question 6

Disparity

Answer 6

An unequal or unfair difference in access to health care among parties.

Question 7

Economic mobility

Answer 7

The ability of one to improve their economic status.

Question 8

Environmental Health

Answer 8

B ranch of public health that studies the relationship between one’s surroundings and their health or wellness

Question 9

Equity

Answer 9

The ability to receive equal access to health care.

Question 10

Insurance

Answer 10

Coverage by contract whereby one party undertakes to guarantee another against loss by a specified contingency or peril

Question 11

Life expectancy

Answer 11

Average lifespan of individual

Question 12

Premium

Answer 12

The amount of money paid to receive and maintain insurance. A monthly bill.

Question 13

Public Health

Answer 13

The science of studying and protecting community health.

Question 14

Health

Answer 14

A state of mental, physical, and social well-being

Question 15

Medicare

Answer 15

For those 65 years and older, provided by health and human services… federal

Question 16

Medicaid

Answer 16

For low income families or families with high medical expenses, provided by health and human services… state and federal program, eligibility varies by state. DEPENDS on income.

Question 17

The more people part of group insurance….

Answer 17

The lower the premium

Question 18

Private insurance is provided through an

Answer 18

employer

Question 19

You may be eligible for this type of low-cost/free insurance depending on your income

Answer 19

Government Insurance (Medicaid)

Question 20

Open Enrollment

Answer 20

Time period where you can change your health insurance plan

Question 21

Insurance Exchange

Answer 21

The website where you can identify your insurance needs and enroll in a health insurance plan - required in every state by Affordable Care Act

Question 22

You can get this type of insurance from the insurance exchange

Answer 22

Private AND Government Insurance (Medicaid)

Question 23

Prescription Insurance

Answer 23

Helps to cover the cost of brand name and generic medication; it is included with some insurance plans

Question 24

Deductible

Answer 24

How much money you pay out of pocket before insurance kicks in to pay their part: if this is higher, your monthly bill is usually lower.

Question 25

The abbrevation for this is often "RX" on insurance cards

Answer 25

prescription

Question 26

Life-changing event

Answer 26

A marriage, baby, or employment change that allows you to change coverage outside of open enrollment.

Question 27

an in-network provider means that

Answer 27

they are under contract with your insurance plan

Question 28

The health care system in the united states is...

Answer 28

A combination of public and private insurance options

Question 29

Enacting and/pr changing health care policy requires

Answer 29

all three branches of government

Question 30

Public health is the

Answer 30

science of protecting and improving the health of people and their communities

Question 31

Examples of out-of-pocket copays

Answer 31

Cost for routine services once your deductible has been paid: Urgent care, E.R, office visits, prescription drugs. Going for a checkup of vaccinations does not include copay.)

Question 32

Confidentiality

Answer 32

Confidentiality in healthcare is the legal and ethical obligation to keep a patient's personal information private. It's a fundamental part of the trust between a patient and their doctor.

Question 33

Herd immunity threshold

Answer 33

Goal identified for getting a certain percentage of the population vaccinated to protect the entire population.

Question 34

Historical Inequalities in Healthcare system

Answer 34

The history of healthcare and the discrimination that has been weaved into previous health policies ultimately contributed to forming minority groups who couldn't afford healthcare. For example, during the rise of employer-based insurance (which is the main type of insurance coverage) many states created federal laws with discriminatory law and qualifications for health coverage. EX: Many people of color/lower income didn't have/were denied these jobs, making healthcare inaccessible to them. In addition, southern, former confederate states were given the power of controlling how healthcare was funded and would deny care/the opportunity to blacks to learn the practice.

Question 35

Current Inequalities in Healthcare system

Answer 35

More recently, 2010, several states refused to participate in the Affordable Care Act expansion, making it harder for many people of color and low income families - which the expansion was targeted to help - not eligible for government insurance and placing specific work requirements. Many uninsured people cite the high cost of insurance as the main reason they lack coverage - they are uninsured because the cost of coverage was too high. Many uninsured people do not have access to coverage through a job, and some people, particularly poor adults in states that have not expanded Medicaid, remain ineligible for financial assistance for coverage. Especially in rural areas, low-income families who do qualify for medicaid may not be aware of these coverage options or may face barriers to enrolling. In some cases, even with subsidies, Marketplace coverage may not be affordable.

Question 36

The warning of a drug label

Answer 36

Has safety information, including side effects, questions you should ask the doctor before taking, which medicines to avoid taking at same time.

Question 37

Public Health Problems

Answer 37

Opioid addiction - more addiction centers are being put in place . Vaping among teens - schools becoming more strict, restricting vaping products, more education on it, and increasing legal age to 21. Mental health and gun violence among teens - schools reducing stigma, incorporating more lessons and programs about it. Obesity - promotion of a healthy lifestyle, nutritional labeling on food products, educating the public, and healthier school nutrition programs.

Question 38

Inflation Reduction Act

Answer 38

Provided for negotiation of drug prices for Medicare patients Increased financial help for ACA Marketplace & private health insurance Provided subsidies for those who were low-income but not poverty level

Question 39

Why some people choose not to get healthcare...

Answer 39

Increasing healthcare costs including premiums, other debts to pay first, and relatively good health, or employer doesn’t provide insurance and is no longer covered by parents…Inability to pay, unwillingness, and employers don’t provide benefits.

Question 40

Affordable Care Act 2010

Answer 40

Enacted by the U.S. Governments to enroll more citizens in health insurance plans.benefits everybody, health insurance companies can’t deny you coverage because you have preexisting conditions (allowed during obama care - originally charged fines). Also allows coverage until age of 26 (before was 18). Created health care insurance marketplaces; online "shops" where applicants can compare different health insurance plans and purchase coverage. Implementation of marketplaces are left to individual state governments and differ from state to state. Created the state-run marketplaces to provide an affordable way for all Americans (with some exceptions) to afford purchasing health care.