quiz 2 Flashcards
(26 cards)
What is universal health care
universal health care is health coverage for all citizens of a nation
which countries have free universal health care
South America, All of europe and asia, australia, canada, mexico
Which countries do not have universal healthcare
US, Africa, Southeast Asia
Socialized medicine principles
insurance companies must accept everyone
insurance companies are non-profit
organizations compete on quality of care outcomes
standard fixed prices
all citizens are mandated to buy insurance
what is another name fore the affordable care act
obamacare
when was ACA signed into law and when was it fully enacted
2010
2014
Summary of ACA
residents required to have healthcare coverage
tax credits and subsidies based on income levels
purchased through insurance marketplace
what is a skinny plan
insurance for if something really bad happened but not smaller things
cheap, but coverage is limited
changes to the ACA
individual mandate was eliminated
states allowed to add work requirements to medicaid
access to skinny plans
summarize the ACA lawsuit
2020-2021
California v Texas
Texas said the plan was unconstritutional
plan was upheld– Cali won
what are young invincibles
health 20+ age people that are not buying insurance
what are the three waves of the volume-to-value revolution
patient-centered care
consumer engagement
the science of prevention
triple aim of consumer centered care
improve the expereince of the individual
improve affordability
improve the health of the population
what are the 4 modes of paying for health care
out of pocket
private insurance
employment-based insurance
government financing
describe out of pocket payment
fee for service
direct purchase of health care
describe private insurance
third party not involved in payments
what is a premium
the amount paid to insurance carrier monthly
what is a deductible
the amount of out of pocket payment required prior to insurance coverage
what is a co-pay
fixed amount by insured person for each service
what is co-insurance
percentage of charges a member owes for covered services
what is out of pocket maximum
the most the member can pay out of pocket for services
pros of high deductable plan
low premiums
save money if rarely use helath care
eligble for health savings account
cons of high deductable plans
high out of pocket costs
can lead to individuas not seeking care
expesive for those with chronic illness
what are short term health insurance plans
covers gap while between plans or jobs
no coverage for pre-existing conditions
can cancel at any time
