Match the term with the appropriate definition or description.

Question

A. Sharing of expenses after the deductible
B. Employer deposits and other dollars set aside to insure against a catastrophic illness
C. Maximum set amount of a specific benefit that accrues over a person's entire life
D. More likely to encounter barriers to both receiving care and paying for it due to lack of insurance
E. A set amount of money given to physicians for each person who enrolls in their practice prior to the provision of any care
F. Have insurance coverage but do not have comprehensive coverage
G. Funded from three primary sources: general revenues, payroll tax contributions, and premiums paid by beneficiaries
H. A fixed dollar amount paid by the insured for each type of service
I. Health care costs are lower for an employed group of individuals because working individuals are more likely to be in good health simply because they are able to work.
J. Differences in access to care
K. Explain why it is more likely that Americans will have health insurance that covers hospital, surgical, inpatient medical, and outpatient diagnostic services than other types of health insurance that cover outpatient physician, dental, and prescription services
L. The patient's portion of the cost of medical care
M. A phenomenon where individuals who have health insurance tend to use more health services than those who do not
N. Government program to provide coverage for the poor and disabled
O. A problem in which the high-risk enrollees with high health care costs drive out the low-risk persons, or those with low health care costs
P. Rates based on risk factors
Q. A system in which an employer or individual pays a premium to the insurance company; the patient seeks care as needed; the provider sends the insurance company a bill
R. A system that spreads this risk more broadly because everyone in the community pays the same amount for insurance

Answer 1

A. coinsurance
B. health care savings accounts
C. lifetime cap
D. uninsured
E. capitation
F. underinsured
G. Medicare
H. copayment
I. healthy worker effect
J. disparities
K. classical principles of insurance
L. deductible
M. moral hazard
N. Medicaid
O. adverse selection
P. individual or differential rating
Q. fee-for-service
R. community rating