Question

9)

Having Health insurance means you can always see a doctor  

True

False

10)

healthcare is the method used to pay for the doctor

True

False

11)

Healthcare and Health Insurance are easily interchangeable terms

True

False

12)

Employer-provided private health insurance began in the United States because ["poor health conditions at the beginning of the 20th century prompted the U.S. government to require new companies to offer health insurance to employees.", "the American Medical Association successfully lobbied the U.S. government to provide subsidies to companies offering private health insurance to employees.", "during the Great Depression and then World War II, wage and price controls forced employers to use nonwage forms of compensation to attract workers.", "the rising threat of socialism prompted U.S. companies to provide insurance to dampen enthusiasm for socialist reform."]       which means that its due to    ["a problem with capitalism", "a problem that the government created via market interventions", "a lack of social welfare", "a lack of individual care for the public"]      

13)

4 of the general problems associated with the U.S. health care system are

frivolous malpractice lawsuits.

the disconnect between payers and users

that workers lose their insurance when they lose their jobs.

too little government spending

an overabundance of scanning machines.

A lack of a market based price alocation

Government regulation and heavy involvement in the system

too much profit incentives for greedy doctors

too little government spending

14)

A political action often falls under the ["free-rider", "Public Choice", "Principle Agent", "parasite"]         problem where some pay but all receive even if the don't pay.

They also run up against the ["Moral Hazard", "asymmetric information", "high information", "information overload"]      problem where the incentives to be knowledgeable are low due to the relatively low benefit and high cost of doing so. This results in those with the most benefit of a policy to be the most informed of that policy

Answer 1

9) It is false. It's not necessary to always visit a doctor if someone is having health insurance. It is simply to ensure protection to health risks in the future.

10) yes health care is the method used to pay for the doctors. The four payment methods that health care used to pay doctors are:

a) Fee for service - doctors are paid for every service and test that they provide based on the usual and customary charges of doctors in the local area.

b) discounted fee for service - doctors are paid for every service and test they provide based on a fee schedule or pre - determined discount of the usual and customary price charged by doctors in the local area.

c) Capitation - doctors are paid a fixed amount per enrollee, not per service, on a monthly basis.

d) salary - Doctors are paid a fixed weekly or monthly amount, and pay is not tied to enrollees or services rendered.

11) No. Healthcare and Health insurance are not interchangeable terms. Healthcare is defined as " the area concerned with the maintenance or restoration of the health of the body or mind". The industry in which medical professionals work is often reffered to as the " healthcare industry."

Health insurance is defined as " insurance that compensates the insured for expenses or loss incurred for medical reasons, as through illness or hospitalization."

12) Employer provided private health insurance began in the United States because the rising threat of socialism prompted US companies to provide insurance to dampen enthusiasm for socialist reform. Under socialism a central planning authority is working and that central planning authority has decided everything relates to production, consumption, distribution etc. Public sector has dominated. This has prompted the US companies to provide insurance in health related issues to dampen enthusiasm for socialist reform.

13) The US health care model relies on a direct - fee system and private health insurance. This model has been criticized for contributing to high health-care costs, high rates of uninsured individuals, and high rates of health problems in comparision to the situation in other western nations.

Other problems in US health care includes the restrictive practices associated with managed care, racial and gender bias in health-care delivery, hospital errors, and medical fraud.

14) the free rider problem is the burden on a shared resource that is created by its use or overuse by people who aren't paying their fair share for it or are not paying any thing at all. It needs to be pointed out that the mammoth health insurance industry is nothing but a parasite on that system.Health insurance companied add zero value to the delivery of healthcare.