Health Insurance Programs Essay Assignment
Order ID |
53563633773 |
Type |
Essay |
Writer Level |
Masters |
Style |
APA |
Sources/References |
4 |
Perfect Number of Pages to Order |
5-10 Pages |
Description/Paper Instructions
Health Insurance Programs Essay Assignment
Question 1
Self-funded or self-insurance programs are health insurance programs that are implemented and controlled by the employee themselves. Therefore, the employee maintains the risk.
True
False
10 points
Question 2
A company who provides their own health insurance will purchase reinsurance from another insurance company to protect themselves from any catastrophic losses. The reinsurance sets a stop loss measure that limits the amount the company will pay for claims.
True
False
10 points
Question 3
Flexible spending accounts (FSA) provide employees with the option of setting aside pretax income to pay for out of pocket medical expenses. Employees must submit claims for these expenses and are reimbursed from their spending accounts. The drawback is that the amount set aside must be spent within one year.
True
False
10 points
Question 4
The most common type of prospective reimbursement is a service benefit plan which is used primarily by managed care organizations.
True
False
10 points
Question 5
Used in both fee for service and prepaid plans, premiums are costs that the patient must pay at the time they receive the services.
True
False
10 points
Question 6
A recent trend in health insurance plans is consumer driven health plans which are tax advantage plans with high deductible coverage. The most common CDHPs are health reimbursement arrangements (HRAs) and health savings accounts (HSAs).
True
False
10 points
Question 7
Very few insurance policies require a contribution from the covered individual which may be a copayment, deductible or coinsurance which is called cost sharing.
True
False
10 points
Question 8
Medicare is an entitlement program because people, after paying into the program for years, are entitled to receive benefits.
True
False
10 points
Question 9
Why was health insurance developed?
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To reduce the amount of absenteeism by employees. |
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Companies’ felt responsible for the health of their employees. |
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Companies wanted to provide free health care services to their employees. |
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Like homeowner’s insurance or life insurance, provide protection to an employee in the event they required health care. |
10 points
Question 10
Most insurance policies require a monetary contribution from the covered individual which is called:
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Copayment |
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Deductible |
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Coinsurance |
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All three are correct. |
10 points
Question 11
Catastrophic health insurance policies provide which of the following:
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Outpatient and inpatient services, surgery, laboratory testing and therapies. |
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Hospital services reimbursement with limits on hospital stays. |
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Reimbursement for mental health diseases only. |
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Unusual illnesses policy which has a high deductible and a lifetime reimbursement cap. |
10 points
Question 12
The Flexible Spending Account (FSA) has the following characteristics:
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An option of setting aside pretax income to pay for out of pocket medical expenses. |
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The funds accumulated over a year must be spent within the year. |
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Allows employees who work for small companies (less than 50 employees) who have high deductible plans, can use an MSA to set aside pretax dollars to be used for their premiums and non reimbursed healthcare expenses. |
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All of the statements are correct. |
10 points
Question 13
What is Medicare Part B?
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It is the managed care component of Medicare. |
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Provides for prescription drug plans |
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Supplemental health plan to cover physician services. |
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It is financed from payroll taxes. |
10 points
Question 14
Which sector of healthcare service accounted for the most spending?
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Clinical services |
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Hospital services |
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Podiatrists and chiropractors |
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Home healthcare services |
10 points
Question 15
Medicare is an example of what type of health insurance?
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Public welfare insurance |
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Social insurance |
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Managed care insurance |
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None are correct |
10 points
Question 16
A copayment, deductible and coinsurance are also called:
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Cost sharing |
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Medigap expenses |
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Self funded expenses |
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Private health expenses |
10 points
Question 17
_____________________ is an entitlement program because people have been paying into the program for years to receive benefits.
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Medicare |
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Medicaid |
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CHIP |
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All are entitlement programs |
RUBRIC
QUALITY OF RESPONSE |
NO RESPONSE |
POOR / UNSATISFACTORY |
SATISFACTORY |
GOOD |
EXCELLENT |
Content (worth a maximum of 50% of the total points) |
Zero points: Student failed to submit the final paper. |
20 points out of 50: The essay illustrates poor understanding of the relevant material by failing to address or incorrectly addressing the relevant content; failing to identify or inaccurately explaining/defining key concepts/ideas; ignoring or incorrectly explaining key points/claims and the reasoning behind them; and/or incorrectly or inappropriately using terminology; and elements of the response are lacking. |
30 points out of 50: The essay illustrates a rudimentary understanding of the relevant material by mentioning but not full explaining the relevant content; identifying some of the key concepts/ideas though failing to fully or accurately explain many of them; using terminology, though sometimes inaccurately or inappropriately; and/or incorporating some key claims/points but failing to explain the reasoning behind them or doing so inaccurately. Elements of the required response may also be lacking. |
40 points out of 50: The essay illustrates solid understanding of the relevant material by correctly addressing most of the relevant content; identifying and explaining most of the key concepts/ideas; using correct terminology; explaining the reasoning behind most of the key points/claims; and/or where necessary or useful, substantiating some points with accurate examples. The answer is complete. |
50 points: The essay illustrates exemplary understanding of the relevant material by thoroughly and correctly addressing the relevant content; identifying and explaining all of the key concepts/ideas; using correct terminology explaining the reasoning behind key points/claims and substantiating, as necessary/useful, points with several accurate and illuminating examples. No aspects of the required answer are missing. |
Use of Sources (worth a maximum of 20% of the total points). |
Zero points: Student failed to include citations and/or references. Or the student failed to submit a final paper. |
5 out 20 points: Sources are seldom cited to support statements and/or format of citations are not recognizable as APA 6th Edition format. There are major errors in the formation of the references and citations. And/or there is a major reliance on highly questionable. The Student fails to provide an adequate synthesis of research collected for the paper. |
10 out 20 points: References to scholarly sources are occasionally given; many statements seem unsubstantiated. Frequent errors in APA 6th Edition format, leaving the reader confused about the source of the information. There are significant errors of the formation in the references and citations. And/or there is a significant use of highly questionable sources. |
15 out 20 points: Credible Scholarly sources are used effectively support claims and are, for the most part, clear and fairly represented. APA 6th Edition is used with only a few minor errors. There are minor errors in reference and/or citations. And/or there is some use of questionable sources. |
20 points: Credible scholarly sources are used to give compelling evidence to support claims and are clearly and fairly represented. APA 6th Edition format is used accurately and consistently. The student uses above the maximum required references in the development of the assignment. |
Grammar (worth maximum of 20% of total points) |
Zero points: Student failed to submit the final paper. |
5 points out of 20: The paper does not communicate ideas/points clearly due to inappropriate use of terminology and vague language; thoughts and sentences are disjointed or incomprehensible; organization lacking; and/or numerous grammatical, spelling/punctuation errors |
10 points out 20: The paper is often unclear and difficult to follow due to some inappropriate terminology and/or vague language; ideas may be fragmented, wandering and/or repetitive; poor organization; and/or some grammatical, spelling, punctuation errors |
15 points out of 20: The paper is mostly clear as a result of appropriate use of terminology and minimal vagueness; no tangents and no repetition; fairly good organization; almost perfect grammar, spelling, punctuation, and word usage. |
20 points: The paper is clear, concise, and a pleasure to read as a result of appropriate and precise use of terminology; total coherence of thoughts and presentation and logical organization; and the essay is error free. |
Structure of the Paper (worth 10% of total points) |
Zero points: Student failed to submit the final paper. |
3 points out of 10: Student needs to develop better formatting skills. The paper omits significant structural elements required for and APA 6th edition paper. Formatting of the paper has major flaws. The paper does not conform to APA 6th edition requirements whatsoever. |
5 points out of 10: Appearance of final paper demonstrates the student’s limited ability to format the paper. There are significant errors in formatting and/or the total omission of major components of an APA 6th edition paper. They can include the omission of the cover page, abstract, and page numbers. Additionally the page has major formatting issues with spacing or paragraph formation. Font size might not conform to size requirements. The student also significantly writes too large or too short of and paper |
7 points out of 10: Research paper presents an above-average use of formatting skills. The paper has slight errors within the paper. This can include small errors or omissions with the cover page, abstract, page number, and headers. There could be also slight formatting issues with the document spacing or the font Additionally the paper might slightly exceed or undershoot the specific number of required written pages for the assignment. |
10 points: Student provides a high-caliber, formatted paper. This includes an APA 6th edition cover page, abstract, page number, headers and is double spaced in 12’ Times Roman Font. Additionally, the paper conforms to the specific number of required written pages and neither goes over or under the specified length of the paper. |
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