Author Question: The patient complains to the nurse that he is confused about his deductible that he owes the ... (Read 53 times)

mia · **on:** Jun 25, 2018

The patient complains to the nurse that he is confused about his deductible that he owes the hospital. Which statement accurately explains a deductible?

a. An amount of money put aside for the payment of future medical bills
b. A one-time fee for service
c. An amount of money deducted from the bill by the insurance company
d. An annual amount of money the patient must pay out-of-pocket for medical care

Question 2

The nurse is educating a patient that is a member of a health maintenance organization (HMO). Which information should the nurse include?

a. Seek the opinion of an alternate health care provider.
b. Obtain insurance approval for medical services prior to treatment.
c. Provide detailed documentation of all care received for his condition.
d. Wait at least 6 months to see a specialist.

efwsefaw · **Reply #1 on:** Jun 25, 2018

Answer to Question 1

D
The deductible is the annual amount the insured must pay out-of-pocket prior to the insurance company assuming the cost. This practice improves the profit of the insurance company.

Answer to Question 2

B
Most HMOs require preprocedure authorization for treatment. Patients are not required to seek a second opinion, provide documentation of care, or wait a specific time period before visiting a specialist.