Answer to Question 1
ANS: A, C
The cost of U.S. health care is higher than in any other developed country16 of our gross national productand there is an identified widespread shortage of professional nurses in both acute and long-term care agencies. There is no identified national shortage of physicians. Continuous quality improvement is not considered a problem, but rather a means for identifying health care problems.
Answer to Question 2
ANS: D
Coinsurance is the percentage of the total bill paid by the insured person after a deductible has been met. The remainder is paid by the insurance company. The premium is the monthly fee a person must pay for health care insurance coverage. The deductible is the yearly amount an insured person must spend out-of-pocket for health care services before a health insurance policy will begin to pay its share. The copayment is the amount an insured person must pay at the time of an office visit, when picking up a prescription, or before a hospital service.
