Health Insurance 101
Medicaid
CHIP
Medicare
100

This term refers to the amount of money an individual has to pay out of pocket before, health insurance will pay for covered services.

What is a deductible?

100

These levels of government are responsible for offering Medicaid

What are federal and state governments?

100

CHIP covers this population

What is children? or What is low income children?

100

Medicare covers adults with 10 years of work history and over this age

What is age 65?

200

This is the name of the health insurance payment model that arose out of the need to control healthcare costs.

What is Managed Care (MCO)?

200

This is the name of the process where state governments can experiment with different types of Medicaid plans

What is a "1115" waiver?

200

These are the three ways states can set up their CHIP programs

What is as an add on, separate, or hybrid?

200

The alternative to traditional Medicare that individuals can enroll in

What is Part C or Medicare Advantage?

300

In the US, health insurance began as this

What is an employment benefit?

300

This requirement for Medicaid eligiblity is based on the FPL

What is income?

300

The ACA changed this eligibility criteria for CHIP

What is income?

300

The other major source of Medicare funding besides payroll taxes and premiums

What is general (tax) revenue?

400

Enrollment in this type of health insurance plan with low premiums has grown tremendous over the past 20 years

What is a high Deductible Health Plan (HDHP)?

400

Under Medicaid, poorer states get a higher level of this from the federal government

What is Federal Medical Assistance Percentages (FMAP)?

400

This federal rate is higher for CHIP populations

What is Federal Medical Assistance Percentage (FMAP)?

400

These individuals have both Medicaid and Medicare

What are dual eligibles?

500

When this type of medical underwriting is used everyone in the insured group has access to the same level of health insurance.

What is community rating?

500

Because it is this type of program, Medicaid must cover all medically necessary services for each enrollee

What is an entitlement program?

500

Because CHIP is this type of government program, benefits can be denied if the program funding runs out

What is block grant?

500

Part D provides this benefit

What is drug coverage?