Shared Flashcard Set

Details

L/H ch 6
Health Insurance Basics and Worker's Compensation
12
Insurance
Professional
06/27/2011

Additional Insurance Flashcards

 


 

Cards

Term
Phil works at a telephone marketing company. In which situations would a workers compensation policy pay
Definition
Whether or not the employer is to blame,and only if another employe causes the injury or sickness.
Workers compensation pays if the worker is insured while working.
Term
For the most part, Worker's compensation is a comprehensive coverage including various levels of:
Definition
rehabilitation, survivors, disability and medical beneits.The components listed are always part of workers compensation coverage.
Term
T/F Under workers compensation laws, there are maximum limits placed on the amount of medical benefits a covered employee can reveive.
Definition
False. medical benefits are limited
Term
T/F Any job-related injury if related somehow to an injury with a prior employer, will be payable by a subsequent infury fund of the current employer since the personis no longer wtih that prior employer
Definition
True. The subsequent injury fund was created to help injured people back to work. Prior to having this fund, if the worker got re-injured onthe second job, the workers compensation costs would go up for the second employer. Rather than risking rates increasing, employers would refuse to hire previously injured workers.
Term
If william is entitled to a seamless delivery of indemmity and medical benefits that cover both on and off the job injuries, and sickness, he is covered by:
Definition
24-hour coverage, and in conjuction with workers compensaiton coverage provides coverage that is seamless
Term
What can be used by insurers to handle a pre exising condition?
Definition
Waiver for impairments, Substandard Basis, Temporary exclusion. The three methods listed are used to handle preexisting conditions.
Term
Laura, while working, is in a serious car accident. She is in the hospital for a long period of time because of the injuries sustained from this accident. Her medical bills will NOT be paid by her group non-occupational health plan. Why?
Definition
She was involved in a job-related accident. Workers compensation would pay her bills
Term
A form of group insurance when the individuals covered are not necessarily known to the insurance company, such as for students, campers, and passengers ona bus, is known as:
Definition
Blanket insurance. This is the difference of blanket insurance
Term
"service" type health care providers:
Definition
pay the provider directly instead of reimbursing the insured.By definition, service providers pay the provider directly
Term
Blue cross and blue shield subscribers pay a pre-determined fee for service referred to as
Definition
pre-paid plans. by definition, the "blues" are pre-paid plans
Term
T/F HMOs may be owned by various entities. One example would be a commercial insurance firm.
Definition
True. A variety of business organizations can own HMOs including commercial insurers
Term
The term "morbidity" is associated with what kind of insurance?
Definition
Health. Morbidity is associates with health insurance.
Supporting users have an ad free experience!