Author Question: Which of the following critical issues in health care were addressed by The Health Insurance ... (Read 53 times)

renzo156 · **on:** Jul 8, 2018

Which of the following critical issues in health care were addressed by The Health Insurance Portability and Accountability Act (HIPAA) of 1996? (Select all that apply.)

a. Portability of insurance coverage
b. COBRA, maintaining coverage for those who lose their jobs
c. Insurance companies having a total monopoly in a certain geographic area
d. Insurance companies setting limits on coverage of longer than 12 months
e. Insurance companies charging seriously ill persons more than healthy persons
f.
Insurance companies paying the same for mental health coverage as for physical illnesses

Question 2

Which of the following best describes how eligibility for Medicaid services is determined? (Select all that apply.)

a. Anyone over age 65 years who is eligible for Social Security benefits may apply for Medicaid.
b. Baseline eligibility is established by the federal government, but states may be more lenient.
c. Children in low-income families are eligible for free care.
d. Eligibility depends on family size and total family income.
e. Federal government establishes eligibility and gives funds to the states in reimbursement for this care.
f.
State government establishes guidelines for whether to participate and who will be covered.

jordangronback · **Reply #1 on:** Jul 8, 2018

Answer to Question 1

ANS: A, D
The HIPAA of 1996 addressed insurance issues. Critical were the portability of coverage and preexisting conditions. Insurers cannot set limits on coverage longer than 12 months. COBRA was established through the Consolidated Omnibus Budget Reconciliation Act of 1985. The McCarren-Ferguson Act of 1945 gave states the exclusive right to regulate health insurance plans. The Mental Health Parity and Addictions Equity Act of 2008 mandated that insurance companies must provide the same coverage for mental health as for physical illness. Health Care Reform legislation prevents insurance companies from charging seriously ill persons more than healthy persons.

Answer to Question 2

ANS: B, C, D
Medicaid provides universal health care coverage for the indigent and children. Eligibility is dependent on the size and income of the family. The federal government sets baseline eligibility requirements. State governments who wish to provide care to more citizens can lower the eligibility requirements. The federal government mandates covered services, but state governments may provide more services.