HMP 401: Exam 1 Questions and
Answers (Solved Papers) Why is there a dichotomy in the US health system? - Correct Answers ✅Basically we have the best and worst healthcare system due to our amazing medical services but the highest uninsured rates and expensive insurance/health care.We are making huge strides in research, best trained professionals, able to extend life What is health? What makes a person healthy? - Correct Answers ✅Absence of illness or disease; a person is healthy when they show no symptoms and do not require medical treatment; good hygiene, diet, active, etc.
Medical model and how it influences our health care system: -
Correct Answers ✅Medical model: absence of illness or
disease, optimal health is obtained when one if free of all symptoms and does not require medical treatment; focuses on disabilities/ dismisses mental health What is chronic vs. acute disease? - Correct Answers
✅Chronic: disease persisting for a long time
Acute: sudden onset of usually severe symptoms
Why did we need health reform? Did we need health reform?
- Correct Answers ✅To insure all people can get insurance
and are treated equally in the medical field. We did need health reform; Affordable Care Act allowed people with 1 / 2
HMP 401: Exam 1 Questions and
Answers (Solved Papers) preexisting conditions to get insurance and made a rule on not setting limits on care
Cost sharing: - Correct Answers ✅the share of costs
covered by your insurance that you pay out of pocket; deductibles, co-payments, co-insurance; usually does not include premiums
Premiums: - Correct Answers ✅amount the insured pays to
own the policy, must be paid for the policy to stay active; may be shared with employer or other organizations
Deductibles: - Correct Answers ✅amount the insured pays
first before insurance
Co-payments: - Correct Answers ✅money paid out of
pocket each time health services are received, after deductible has been met
Co-insurance: - Correct Answers ✅ratio of cost sharing
between insurance plan and the insured (80/20)(70/30)
Out of pocket maximum: - Correct Answers ✅Maximum an
enrollee would pay; after hitting the OOPM, insurance pays 100%
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