Author Question: Which of the following best describes what insurance companies did to decrease their constantly ... (Read 37 times)

moongchi · **on:** Jul 8, 2018

Which of the following best describes what insurance companies did to decrease their constantly increasing costs? (Select all that apply.)

a. Did not cover any illnesses that were diagnosed before the person (or his or her employer) purchased insurance
b. Limited coverage to only certain services, eliminating any that were experimental, nontraditional, or too costly
c. Reimbursed only the care that was requested by the patient's primary physician
d. Limited providing insurance to companies who hired mainly young, healthy persons
e. Required preapproval before expensive services were used
f.
Ceased coverage on any person who used an exorbitant number of services, whenever possible

Question 2

Which of the following best describes the strengths of the American health care system? (Select all that apply.)

a. Offering the availability and use of technological advances in equipment and procedures
b. Having the ability to overcome concerns regarding access and rationing
c. Providing the highest quality of life among any industrialized nation
d. Having the lowest maternal and infant mortality rate among industrialized nations
e. Leading the world in laboratory and clinical research
f.
Creating the best patient care outcomes

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

Answer to Question 1

ANS: A, B, C, E, F
Insurance companies attempted to reduce unnecessary use by limiting coverage for certain services and people. Restrictions such as the establishment of a gatekeeper that required preauthorization, limited coverage for preexisting illnesses, and exclusion of participants whose use was deemed exorbitant were instituted. Such restrictions increased resentment and resistance and were not very successful.

Answer to Question 2

ANS: A, E
The United States leads the world in laboratory and clinical research. The United States also exceeds other industrialized countries in the availability and use of technological advances. We do not rank near the top in length of life or patient care outcomes, although we spend far more on health care than other industrialized nations. We are just beginning to confront the issues of access and rationing.