The Patient Protection and Affordable Care Act limits the extent to which insurers may consider age in establishing rates. The result is higher premiums for younger insureds and lower premiums for older insureds. In your opinion, is this a good result?
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The Patient Protection and Affordable Care Act limits the extent to which insurers may consider age in establishing rates. The result is higher premiums for younger insureds and lower premiums for older insureds. In your opinion, is this a good result?
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- Which of the following statements regarding the Patient Protection and Affordable Care Act (ACA) is true? Group of answer choices a. The ACA eliminates lifetime limits on total health care insurance payments by insurers. b. The ACA limits the total number of surgeries for the insurers. c. The ACA requires employers to reimburse the cost of hospital stays of the insured. d. The ACA decides the insurance payments for dependents. e. The ACA provides major medical insurance with low deductibles to protect against catastrophic illnesses.How can a patient benefit if the premiums paid are more than the cost of the medical care received? How can an insurance company benefit if the medical care it provides costs more than the premiums paid in?Briefly explain the following characteristics of long-term care insurance. Type of long-term care policies Triggers to become eligible for benefits Exclusions Protection against inflation
- If the renewal of the policy was at the discretion of the insurer, would you expect the premiums to be higher or lower?What are the problems with return on premium life insurance? What type of individual would purchase decreasing term insurance?Which is Idemenity Plan and which is Managed Care Plan? Insureds create contract with an insurer who does not provide health care services The higher the deductible, the lower the premium Insured receive health care services from a designated group of providers May not even involve an insurance company No annual deduction is incurred, but a small co-payment may be required I most value the freedom of choice and am willing to pay for it. Cost is my most important consideration. I’d rather have the flexibility of either having the insurance company reimburse me or directly paying the health care provider.
- Discuss the potential for adverse selection when insureds exercise the renewability or convertibility option in a term life insurance policy. Which is more likely to be affected by adverse selection.Which of the following stalements is required by Long- Term care insurers when referring lo inflation proleclion in qualified Long-Term Care policies? A.All policies must include inflation protection. B.It is mandatory for the insurance companies lo offer consumers the option of inflation protection. C.The insurance companies have the choice if hey want to offer inflation protection. D.The purchaser must requesl inflation protection after lhe policy is issued.Which of Ike following statements is CORRECT about he Missialement of Age provision in a health policy? A.Il is not an oplional provision. B.It allows an insurance company to adjust the levels of policy benefits for an insured who misslated his age. C.It limits the time wilhin which an insurance company may conlest a claim on the basis of misstatement of age. D.It always voids the contract
- What are the advantages and disadvantages of HAS along with a high-deductible health insurance plan?When it comes to postretirement healthcare benefits, what are the primary distinctions between them and pension benefits?Indicate whether the statement is true or false, and justify your answer.In the 2010 American health reform law, one primary mechanism for financing the expansion of health insurance to the uninsured involves reducing planned Medicare expenditures.