Medi-Cal
True or False: The name Medi-Cal comes from the blending of the words "Medical" and "California"
True!
What does a "premium" mean?
The monthly amount you pay to keep your insurance active, whether you go to thedoctor or not.
ELI5: This is your club membership fee. You pay it every single month just to keep your insurance active, whether you go to the doctor or not.
True or False: Health insurance is not really a commitment you need to make. You can always decide not to pay if you don't have the money that month.
Which fast food location has the most restaurants in the US?
Subway
Until what age is a foster youth eligible for Medi-Cal?
Until age 26
True or False: A deductible is the same as a copay.
False! Although both are technically your responsibility to pay, a deductible is what you pay for services throughout the year to be eligible for insurance to cover your medical costs. A co-pay is what you pay for seeing the doctor or prescriptions, every time, no matter if you have reached your deductible or not.
Health insurance is for catastrophic situations (emergency room, hospitalization) and also for medical care to protect you in the future from illness and diseases. This type of medical care is called ______
Preventative care
What year did Instagram come out?
In 2010
What are 3 things that Medi-Cal can cover for members?
True or false: If you don't go to the doctor or need any medical services, you can skip paying your premium for that month.
False: You must pay your premium every single month to be insured, even if you don't need medical services that month.
True or False: Your health insurance will always cover your medication as long as a doctor covered by your health insurance prescribes it.
False: There may be a co-pay for your prescriptions, regardless if a doctor covered by your insurance prescribes it.
How many major islands make up Hawaii?
8 islands
What is one group that is eligible for Medi-Cal?
What term is similar to "splitting the bill at dinner"?
Co-insurance. Your share of the costs of a healthcare service, usually figured as a percentage (e.g., you pay 20% of the bill, and the insurance pays 80%)
Health Maintenance Organization
What is the human body's largest organ?
The skin
What is the household income eligibility for an individual applying for Medi-Cal?
Eligible if household income is at or below 138% of the Federal Poverty Level (about $22,025 annually for an individual)
True or false: A higher premium usually means lower co-pays.
True, In health insurance, a higher premium generally corresponds to lower co-pays, coinsurance, and deductibles.
What is one of the main differences between HMO and PPO insurance? (as mentioned in the Powerpoint)
With an HMO plan, you need a referral from your primary care physician to see a specialist. With a PPO plan, you do not need a referral to see a specialist. (Example: If you are having heart issues and have an HMO plan, you must see your regular doctor first and they will give you a referral to see a cardiologist (specialist in hearts). If you have a PPO plan, you can make an appointment directly with a cardiologist)
What services did Netflix offer when it first came out in 2007?
DVD rental at a "Red Box"