1
What is Obamacare more formerly known as?
Affordable Care Act
What type of insurance program is for low-income individuals/families?
What type of insurance program are most people age 65 and older eligible for?
What resource does Weill Cornell Medicine offer to uninsured patients?
Weill Cornell Community Clinic (WCCC)
Up until what age can young adults stay on their parent’s health insurance plans?
What is the amount one pays monthly to maintain their health insurance?
What is the amount one has to pay out-of-pocket for their health services before his/her health insurance kicks in?
When can you buy health insurance?
During the open enrollment periods
• What is the most one will ever have to pay for their health services as long as they stay in network?
Out of pocket maximum/limit
• What law was enacted to ensure that all Americans have access to affordable health insurance?
Affordable Care Act
Who should you contact if you have questions about your insurance?
Insurance department or consumer assistance program
Where do health insurance companies get the money to pay for everyone’s care?
The collective pool of premiums that they collect from all who they insure
What are 3 factors that are used to help determine the premium one pays?
Age, location, tobacco use, individual vs family enrollment, plan categories
If you have insurance under the Affordable Care Act and your income is too low to meet payments, what are you eligible for?
What do you call the list of drugs that your insurance will pay for?
List 3 benefits that all health insurance plans must provide.
Ambulatory services; emergency services; hospitalization for surgery and overnight procedures; pregnancy, maternal, & newborn care; mental health services; prescription drugs; rehabilitation services; laboratory services; preventative services as well as chronic disease management; pediatric services
What type of insurance plan is a hybrid of HMOs and PPOs?
EPOs
What is the difference between copay and coinsurance?
Copay – patient pays a standard amount (i.e., $50 copay for urgent care visit); Coinsurance – patient pays a percentage of the total cost of the service they received
Which insurance plan will cover costs from services you receive in and out of network?
In which country does their national health service utilize cards with embedded microchips that can be presented to one’s doctor or pharmacist and that when swiped will enable reimbursement without a paper based claim.
France
What medical information do insurance companies receive about people’s health?
Billing codes & diagnoses
For what 2 conditions can you receive Medicare under the age of 65?
ALS and end-stage renal disease treated with dialysis
What is the federal and state insurance program that provides health insurance to children below the age of 18 whose families have incomes too high to qualify for Medicaid but too low to afford private insurance?
Children’s Health Insurance Program (CHIP)
Who receives health care benefits from TRICARE?
US armed forces military personnel, military retirees, and their dependents