1. Patient Access Point-of-Service Collections Training Section
1: Introduction to Health Insurance 2. Patients and Hospital Costs
What do I need to understand about hospital patients? What do I
need to know about hospital costs? What do I need to know about
health insurance? 3. Patients, Care, and Costs Thousands of
patients every day Patients are nervous They need competence and
compassion Health care costs are very high You need to understand
insurance to be competent 4. Health Insurance Overview What is
health insurance? Over seventy percent of patients covered Offsets
the cost of medical care Uses specific terminology Comes in various
types 5. Medicare A Federal program for aged and disabled Covers
hospital inpatient services under Part A Free at age 65 or
disability determination Deductible only Covers physician and
outpatient service costs under Part B Optional coverage Deductible
and coinsurance Beneficiary name Health Insurance Claim Number
(HICN) Coverage type 6. Medicaid A Federal program Administered at
state government level Health insurance for indigent persons Free
to recipients Usually no out-of-pocket costs Some states have
copayments Recipient name Recipient Identification Number 7.
Commercial Insurance Purchased directly or through employers
Monthly premiums required Out-of-Pocket costs Deductibles
Coinsurance Copayments Policy holder name Policy/Insurance
Identification Number 8. Managed Care Plans The largest type of
commercial health insurance Purchased directly or through employers
Monthly premiums required Out-of-Pocket costs Deductibles
Coinsurance Copayments Policy/Insurance Identification Number
Primary Care Provider Name Policy holder name 9. Checking
Understanding 1. Medicare is _____ a) A Federal program b) A
managed care plan c) For aged and disabled persons d) Both a. and
c. 10. Checking Understanding 2. Managed care plans _____ a) Do not
have deductibles, coinsurance, or copayments b) Typically have a
designated Primary Care Physician (PCP) c) Never require referrals
or authorizations d) Are specifically for indigent persons 11.
Checking Understanding 3. Medicaid _____ a) Is a Federal program b)
Is administered at the state government level c) Is medical
insurance for indigent persons d) All of the above 12. Answers 1.
If you selected d., you are correct! 2. If you selected b., you are
correct! 3. If you selected d., you are correct! 13. This concludes
Section One You may replay this lesson as needed
