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Health Care Law

Description: This quiz will test your knowledge of the Health Care Law.
Number of Questions: 14
Created by:
Tags: health care law medical law patient rights
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What is the primary federal law that governs health care in the United States?

  1. The Affordable Care Act

  2. The Health Insurance Portability and Accountability Act

  3. The Medicare and Medicaid Act

  4. The Social Security Act

Show answer
Correct Option: A
Explanation:

The Affordable Care Act, also known as Obamacare, was signed into law in 2010. It is the primary federal law that governs health care in the United States.

What is the purpose of the Health Insurance Portability and Accountability Act (HIPAA)?

  1. To protect the privacy of patient health information

  2. To ensure that health insurance is portable between jobs

  3. To provide health insurance to low-income individuals

  4. To regulate the sale of prescription drugs

Show answer
Correct Option: A
Explanation:

HIPAA was enacted in 1996 to protect the privacy of patient health information. It sets standards for the use and disclosure of patient health information by covered entities, such as health care providers, health plans, and health care clearinghouses.

What is the Medicare and Medicaid Act?

  1. A federal law that provides health insurance to low-income individuals

  2. A federal law that provides health insurance to seniors and people with disabilities

  3. A federal law that provides health insurance to veterans

  4. A federal law that provides health insurance to children

Show answer
Correct Option: B
Explanation:

The Medicare and Medicaid Act, also known as the Social Security Act, was enacted in 1965. It provides health insurance to seniors and people with disabilities through Medicare and Medicaid.

What is the Social Security Act?

  1. A federal law that provides health insurance to low-income individuals

  2. A federal law that provides health insurance to seniors and people with disabilities

  3. A federal law that provides health insurance to veterans

  4. A federal law that provides health insurance to children

Show answer
Correct Option: A
Explanation:

The Social Security Act, also known as the Medicare and Medicaid Act, was enacted in 1935. It provides health insurance to low-income individuals through Medicaid.

What is the Affordable Care Act's individual mandate?

  1. A requirement that all individuals have health insurance

  2. A requirement that all employers provide health insurance to their employees

  3. A requirement that all states expand Medicaid

  4. A requirement that all health insurance plans cover essential health benefits

Show answer
Correct Option: A
Explanation:

The Affordable Care Act's individual mandate requires all individuals to have health insurance. Individuals who do not have health insurance may be subject to a tax penalty.

What is the Affordable Care Act's employer mandate?

  1. A requirement that all individuals have health insurance

  2. A requirement that all employers provide health insurance to their employees

  3. A requirement that all states expand Medicaid

  4. A requirement that all health insurance plans cover essential health benefits

Show answer
Correct Option: B
Explanation:

The Affordable Care Act's employer mandate requires all employers with 50 or more full-time employees to provide health insurance to their employees. Employers who do not provide health insurance may be subject to a tax penalty.

What is the Affordable Care Act's Medicaid expansion?

  1. A requirement that all individuals have health insurance

  2. A requirement that all employers provide health insurance to their employees

  3. A requirement that all states expand Medicaid

  4. A requirement that all health insurance plans cover essential health benefits

Show answer
Correct Option: C
Explanation:

The Affordable Care Act's Medicaid expansion requires all states to expand Medicaid to cover all adults with incomes up to 138% of the federal poverty level. States that do not expand Medicaid may lose federal funding.

What are essential health benefits?

  1. A set of health benefits that all health insurance plans must cover

  2. A set of health benefits that are recommended by the government

  3. A set of health benefits that are required by employers to provide to their employees

  4. A set of health benefits that are covered by Medicare and Medicaid

Show answer
Correct Option: A
Explanation:

Essential health benefits are a set of health benefits that all health insurance plans must cover. These benefits include doctor visits, hospital stays, prescription drugs, and mental health services.

What is the Health Insurance Marketplace?

  1. A government-run website where individuals and small businesses can shop for health insurance

  2. A private website where individuals and small businesses can shop for health insurance

  3. A government-run program that provides health insurance to low-income individuals

  4. A private program that provides health insurance to low-income individuals

Show answer
Correct Option: A
Explanation:

The Health Insurance Marketplace is a government-run website where individuals and small businesses can shop for health insurance. Individuals and small businesses can compare plans and prices and choose the plan that best meets their needs.

What is a health insurance premium?

  1. The monthly cost of health insurance

  2. The annual cost of health insurance

  3. The amount of money that you have to pay out-of-pocket for health care services

  4. The amount of money that you have to pay for a prescription drug

Show answer
Correct Option: A
Explanation:

A health insurance premium is the monthly cost of health insurance. The premium is paid to the health insurance company in order to maintain coverage.

What is a deductible?

  1. The amount of money that you have to pay out-of-pocket for health care services before your health insurance starts to cover the costs

  2. The annual cost of health insurance

  3. The amount of money that you have to pay for a prescription drug

  4. The monthly cost of health insurance

Show answer
Correct Option: A
Explanation:

A deductible is the amount of money that you have to pay out-of-pocket for health care services before your health insurance starts to cover the costs. Once you have met your deductible, your health insurance will start to pay for covered services.

What is a copay?

  1. The amount of money that you have to pay out-of-pocket for a doctor's visit

  2. The annual cost of health insurance

  3. The amount of money that you have to pay for a prescription drug

  4. The monthly cost of health insurance

Show answer
Correct Option: A
Explanation:

A copay is the amount of money that you have to pay out-of-pocket for a doctor's visit. Copays are typically a fixed amount, such as $20 or $30.

What is a coinsurance?

  1. The amount of money that you have to pay out-of-pocket for a doctor's visit

  2. The annual cost of health insurance

  3. The amount of money that you have to pay for a prescription drug

  4. The monthly cost of health insurance

Show answer
Correct Option: A
Explanation:

A coinsurance is the amount of money that you have to pay out-of-pocket for a doctor's visit. Coinsurance is typically a percentage of the total cost of the visit, such as 20% or 30%.

What is a maximum out-of-pocket limit?

  1. The amount of money that you have to pay out-of-pocket for health care services before your health insurance starts to cover the costs

  2. The annual cost of health insurance

  3. The amount of money that you have to pay for a prescription drug

  4. The monthly cost of health insurance

Show answer
Correct Option: A
Explanation:

A maximum out-of-pocket limit is the amount of money that you have to pay out-of-pocket for health care services before your health insurance starts to cover the costs. Once you have reached your maximum out-of-pocket limit, your health insurance will pay for all covered services.

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