US Healthcare System Flashcards
A state and federally funded national health insurance program for people age 65 or older. Some people younger than age 65 can qualify too, including those with disabilities or permanent kidney failure.
Medicare
Provides health coverage for some low-income people, families, and children, pregnant women, the elderly, and people with disabilities. Medi-Cal stands for The California Medical Assistance Program. This is California’s X program serving low-income individuals, including families, seniors, persons with
disabilities, children in foster care, pregnant women, and childless adults with incomes below 138% of the federal poverty level.
Medicaid
This is the amount you pay every month for coverage in a health plan. It can be paid in full, or partially by your employer, or the employee must pay it in full. Based on income, the Affordable Care Act created subsidies for some individuals.
Premium
It is a set amount you must pay every year toward your medical bills before your insurance
company starts paying. It varies by plan and some plans do not have a deductible.
Deductible
Percentage of additional bills after the deductible is met.
Coinsurance
It has its network of doctors, hospitals and other healthcare providers who have agreed to accept payment at a certain level for any services they provide.
HMO (health maintenance organization)
It also offers a network of healthcare providers that have agreed to provide care to the plan members at a certain rate.
PPO (preferred provider organization)
It is a type of healthcare insurance plan that provides different benefits depending on whether the policyholder uses in-network or out-of-network services.
POS (point-service plan)
This program provides medically necessary hospital services free of charge to Ohio patient residents whose income is at or below (0 to 100 % of) the Federal Poverty Guidelines
HCAP (Hospital Care Insurance Program)
Means the ability to receive “free care.” Patients who are uninsured for the relevant, medically necessary service, who are ineligible for governmental or other insurance coverage, and who have family incomes not more than 300 percent of the Federal Poverty Level will be eligible to receive “free care.”
Charity Care
This federal program provides people with disabilities who have little or no income with cash assistance for basic needs such as food and shelter.
SSI (Supplemental Security Income)
It’s the Special Supplemental Nutrition Program for Women, Infants, and Children. It helps income eligible pregnant and breastfeeding women, women who recently had a baby, infants, and children up to five years of age who are at health risk due to inadequate nutrition.
WIC (Women, Infant and Children)
It provides low-cost health coverage to children in families that earn too much money to qualify for Medicaid. In some states, X covers pregnant women. Each state offers X coverage and works closely with its state Medicaid program.
CHIP (Children Health Insurance Program)
It is designed to provide insurance coverage for children whose families earn too much to qualify for Medicaid, but who cannot afford private coverage.
SCHIP (The State Children’s Health Insurance Program)
It’s a legal document that allows an individual to empower another person to make decisions about his or her medical care.
Healthcare Power of Attorney
