Why did employers decide to offer health insurance as an employee ...

[EAugust]

Why did employers decide to offer health insurance as an employee benefit?
 
  a. Hospitals and physicians quit offering charity care to those who could not pay.
  b. Society was focused on not having to pay for doctor visits and other needed health benefits.
  c. Teachers were role models for unions to demand insurance as a benefit.
  d. To obtain and retain the limited number of persons available to work when government rules prohibited raising wages, insurance was offered.

Question 2

Which of the following best describes a flaw of indemnity plans?
 
  a. Blue Cross and Blue Shield had a great idea, but they went bankrupt.
  b. Cost sharing was expected of Blue Cross and Blue Shield enrollees.
  c. Enrollees could not choose their provider or manage their own care.
  d. Plans lacked any incentives to contain costs.

Question 3

Which of the following best describes why it is so difficult to change the paradigm of health care from disease orientation to promoting health orientation?
 
  a. The belief exists that those without insurance could obtain insurance if they worked hard enough.
  b. People find it difficult to agree on what the ideal paradigm should be.
  c. People realize the media have exaggerated the problems that result from lack of insurance.
  d. Serious reallocation of resources would have to occur.

[LP]

Answer to Question 1

ANS: D
The idea of paying a small fee for guaranteed health care to have sickness cured was very popular. Health care providers liked knowing they would receive payment for their services. During World War II, faced with a limited workforce and governmental restrictions on wages, employers began to see health insurance as a means of supplying workers' benefits without granting a wage increase. Teachers were not demanding insurance as a benefit. Hospitals and physicians continued to provide charity care as they were able. Society understood that they needed to pay for health services; however, businesses realized that providing insurance was a way to keep their needed workforce.

Answer to Question 2

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Answer to Question 3

ANS: D
A shift in the paradigm would necessitate a substantial reallocation of resources because the vast majority of health spending is currently directed to medical care and biomedical research and reflects a viewpoint of health care as a commodity. The allocation of resources has the most influence on creating a paradigm shift. Individual opinions and the use of media do not play as great of role as where resources are spent.