ATI RN
Economic Foundation of the US Healthcare Delivery System Questions
Question 1 of 5
Which best describes what was done by large industrial giants to stop the constant increase in their costs for health insurance for their employees?
Correct Answer: A
Rationale: Large industrial giants, such as Kaiser Permanente, decided to assemble their own health care programs. They built hospitals, hired physicians, and provided health care services to their employees. In an effort to market this concept, the phrase health maintenance organization was created. These organizations were designed to provide comprehensive care to employees. As these large health care programs were established, enrollees had limited freedom of choice. Preventive care was covered and encouraged, but care was somewhat restricted, and care providers were encouraged to reduce costs by providing only the most necessary services.
Question 2 of 5
Which statement best summarizes all of the changes resulting from attempts to control costs?
Correct Answer: A
Rationale: All these changes resulted in conflicts among providers, patients, employers, and the insurance plans, particularly when services deemed necessary by the consumer and provider were denied insurance coverage. Everyone blamed everyone else. This did not allow for costs to be controlled, impact the demand for health care, or cause employers to discontinue their insurance plans for employees.
Question 3 of 5
Which best describes why large employers would decide to self-insure?
Correct Answer: D
Rationale: Some organizations have decided to self-insure their employees. This reduces the administrative cost of insurance. Self-insurance does not claim to offer more benefits to employees, allow for more control over health care providers, or do a better job at keeping employees happy.
Question 4 of 5
Which statement best describes why nurses should be knowledgeable about health care funding?
Correct Answer: C
Rationale: Increasing knowledge of health care funding and policy making will empower nurses to advocate for the type of funding that provides appropriate care to obtain the greatest good. Nurses need to use their political power. Nurses must advocate for health promotion disease prevention funding. Although these skills are helpful when working for insurance companies, talking to the media, and writing nurses notes, the primary reason why nurses need this knowledge is to engage in the role as a patient advocate.
Question 5 of 5
Which statements best describe what was unfortunate about the original private health insurance plans that were developed? (Select one that does not apply.)
Correct Answer: D
Rationale: The majority of the population was protected. The emphasis was placed on illness care, because providers received a fee only when a service was rendered, and all costs were reimbursed. Insulated from having to pay for health care, consumers demanded complex and technologically advanced services. These demands were a major force rapidly increasing health care costs because people with insurance felt entitled to care, and, after all, there was a guaranteed payer. Medical orientation was on curing at any cost. The profits of owning or managing an insurance company were not immediately seen.