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Personal Health Care Flashcards

Personal Health Care Flashcards
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Health Insurance Exclusions
These are specific health services or procedures that are not covered by an insurance policy. Chiropractic care can be a common example.
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Health Insurance Fixed Indemnity
This represents a cap set by insurance companies that limits the amount of money they have to pay towards a certain procedure or medical service.
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Health Insurance Deductible
Individuals must pay this amount of money on their own before their health insurance begins to cover health care services.
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Health Insurance Premium
This represents an amount of money an individual has to pay on a regular, recurring basis in order to maintain his or her health care benefits.
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Coinsurance
The amount of money you have to pay for any medical procedures after you meet your yearly deductible. The insurance pays the listed percentage and then you pay the difference.
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Health Insurance Copay
A term used to describe the out-of-pocket payment you make for medical care at the time of your appointment. This is a fixed rate.
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Methods that allow a prescription drug to be sold over the counter

Completion of a drug application to allow OTC sales

Decisions by the FDA that conclude the drug is safe for OTC sales

Integration of ingredients that are seen as effective and safe

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Factors that prevent a prescription drug from being sold over the counter

Designed to treat conditions that usually can't be self-diagnosed or treated without medical advice

High amounts of toxicity

Use results in the formation of a habit

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GRAS / GRAE / GRASE (Generally Recognized as Safe and Effective)
We use this term when referring to certain older drugs that can be sold and used to treat conditions that don't require medical advice or supervision. You can buy them over the counter.
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Flashcard Content Overview

Check out these flashcards to easily review information about Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs) and Point of Service (POS) Plans, along with Medicare and Medicaid. The fees associated with health insurance, including premiums, copays and coinsurance will be discussed. You'll also find cards that deal with fixed indemnities and exclusions. These cards will focus on over the counter drugs. Furthermore, you can consider the importance of physical medical examinations and places that you can find accurate medical information.

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GRAS / GRAE / GRASE (Generally Recognized as Safe and Effective)
We use this term when referring to certain older drugs that can be sold and used to treat conditions that don't require medical advice or supervision. You can buy them over the counter.
Factors that prevent a prescription drug from being sold over the counter

Designed to treat conditions that usually can't be self-diagnosed or treated without medical advice

High amounts of toxicity

Use results in the formation of a habit

Methods that allow a prescription drug to be sold over the counter

Completion of a drug application to allow OTC sales

Decisions by the FDA that conclude the drug is safe for OTC sales

Integration of ingredients that are seen as effective and safe

Health Insurance Copay
A term used to describe the out-of-pocket payment you make for medical care at the time of your appointment. This is a fixed rate.
Coinsurance
The amount of money you have to pay for any medical procedures after you meet your yearly deductible. The insurance pays the listed percentage and then you pay the difference.
Health Insurance Premium
This represents an amount of money an individual has to pay on a regular, recurring basis in order to maintain his or her health care benefits.
Health Insurance Deductible
Individuals must pay this amount of money on their own before their health insurance begins to cover health care services.
Health Insurance Fixed Indemnity
This represents a cap set by insurance companies that limits the amount of money they have to pay towards a certain procedure or medical service.
Health Insurance Exclusions
These are specific health services or procedures that are not covered by an insurance policy. Chiropractic care can be a common example.
Sources for accurate health care information

Volunteer agencies that are reputable

Primary care providers

Government agencies

Compliance
This refers to how well a patient follows the instructions provided by a doctor. This can be poor if a patient is unwilling to listen or if instructions are bad.
Preferred Provider Organizations (PPOs)
With this health care plan, you can visit any provider, but will pay higher amounts if you go out of your network. You don't need to get a referral for a specialist with this plan.
Point of Service (POS) Plan
Individuals with this kind of health care plan can stay in network or go out of network and get partial coverage.
Health Maintenance Organizations (HMOs)
A health care plan that is prepaid and only covers care that you get within network. You need a referral from your primary physician to visit specialists with this plan.
Medicare
A health insurance program that is designed for individuals over the age of 65. This program gets it's funding from the federal government.
Medicaid
Individuals who don't make enough money to pay for healthcare can use this program, which gets funding from the state and federal government.
Managed Care Plan
Health insurance programs of this type attempt to offer the best care for the least amount of money. PPOs and HMOs are examples of this kind of plan.
Percussion
Doctors tap your body during this procedure, which usually takes place during a physical exam. It allows doctors to see if there are any abnormalities in your organs.
Physical Exam
A test conducted by doctors to assess a patient's general health. These are generally conducted yearly to check for any health problems that might develop without your awareness.

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