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Use the Answer Sheet Available on this Website or make your own. Email answers to ronbachman@healthcarevisions.net or snail-mail them to:
IHC University
200 Gulf Shore Dr.
Unit 521
Destin, Florida
Respond with the BEST Answer Among the Choices
1. What three concepts must be in alignment to generate change?
A. Desire – Vision – Implementation
B. Pain – Opportunity – Vendors
C. Desire – C-Suite Support – Regulations
D. Pain – Awareness – Vision
2. What is the first step to structure programs for Change?
A. Setting Strategies
B. Identifying Principles
C. Listing Aligned Projects
D. Creating a Vision Statement
3. What are three major issues any healthcare change or reform should address?
A. Premiums - Provider Networks – Regulations
B. Cost - Quality - Access
C. Medical Homes – Telemedicine – Technology
D. Consumers – Providers – Insurers
4. Which of the following are acceptable Strategies?
I. Transparency
II. Be Bold and Creative
III. Focus on High Cost “Pareto” Population
IV. Use “Best of Class” Programs
A. I and II
B. II and IV
C. I, II and III
D. I, II, III and IV
5. All of the following are reasons to implement some form of Healthcare Consumerism, EXCEPT:
A. There is a business Economic Imperative to save money
B. There is a general Moral Imperative to save lives and support better health
C. Healthcare consumerism is a good way to shift increasing costs to employees
D. Consumerism, done properly, can filter through to lower product prices
6. If you have no vision for change what is the likely common outcome of your efforts?
A. Nothing, it gets put on the back burner
B. You can have expensive false starts
C. You create Frustration
D. All of the Above
7. Which of the following statements are TRUE?
I. Under traditional Managed Care & HMOs the “supply of care” is more likely to be limited by a third party who controls the access to medical services.
II. Under Healthcare Consumerism the member is more apt to control their “demand for care.”
III. Demand for care is mainly controlled by an informed consumer.
IV. Demand for care is mainly controlled by a financially involved consumer
A. I only
B. I & II
C. I, II & III
D. I, II, III, and IV
8. Which of the following are Healthcare Consumerism Mega-Trends?
I. Individual Ownership
II. More Third Party Controls
III. Transparency (the Right to Know)
IV. Consumerism (Empowerment)
A. I and II
B. I, II, and III
C. I, III, and IV
D. IV Only
9. From an Employer’s perspective, what is the Definition of Consumerism?
A. Healthcare Consumerism is about transforming an employer’s health benefit plan into one that puts economic purchasing power—and decision-making—in the hands of participants.
B. Healthcare Consumerism is about establishing a Health Savings Account or a Health Reimbursement Arrangement
C. Healthcare Consumerism is about providing plan participants with choice
D. Healthcare Consumerism is about lowering costs by increasing plan deductibles and cost sharing
10. Healthcare Consumerism is about:
I. Saving Money & Saving Jobs
II. Saving Lives & Saving Health
III. Increasing the Quality of Care
A. I Only
B. I & II Only
C. III Only
D. I, II, and III
11. Which of the following statements are NOT objectives of healthcare consumerism?
A. Reduce Discretionary Costs through informed health and healthcare purchasing
B. Reduce Chronic costs through improved compliance
C. Reduce long term costs through incentives for good health
D. Reduce the cost of insurance marketing and commissions
12. A Successful Healthcare Consumerism program will:
I. Help mainly the young and healthy
II. Work for the sickest in the group
III. Work for both those wanting to get involved in decisions and those who don’t
IV. Work mainly for those who can best afford high deductible plans
A. I & IV
B. II & III
C. I & II
D. I, II, III, & IV
13. The employee’s role in Healthcare Consumerism includes which of the following:
I. Increased responsibility for own health & healthcare
II. Involved in own treatment plan and medical necessity decisions
III. Will become responsible for communications, training, and education
IV. Involvement in financial costs of health & healthcare
A. I & IV
B. I, II, & IV
C. I, III, & IV
D. II & IV
14. Healthcare Consumerism involves member choices after plan selection of:
I. Actions to improve personal wellness
II. Choosing an affordable plan
III. Lifestyle options (diet, exercise, smoking, safety)
IV. Self-help, self care (Health literacy)
A. I & II
B. I & III
C. II, III, & IV
D. I, III, & IV
15. Under traditional PPO’s the plan member’s options are managed mainly by:
I. The Employer
II. The Care Provider
III. The TPA or Insurer
IV. The Spouse
A. I & II
B. I & III
C. I & IV
D. I, II, III, & IV
16. Under aligned PPO’s (e.g. IDS’s and ACO’s) the plan member’s options are managed mainly by:
I. The Employer
II. The Care Provider
III. The TPA or Insurer
IV. The Spouse
A. I & II
B. I & III
C. I & IV
D. I, II, III, & IV
17. Which of the following are Building Blocks for Healthcare Consumerism:
I. Personal Care Accounts
II. Health Management
III. Condition Management
IV. Selection of TPA
A. I & II
B. I, II, & III
C. I & IV
D. I, II, III, & IV
18. Which of the following statements are true?
I. In traditional PPO’s the focus is on changing the plan member’s behaviors
II. In an aligned PPO system the focus is on improving the patient-provider relationship
III. Under managed care the providers set reimbursement rates and control the treatment plan.
A. I
B. II
C. I & II
D. I, II, & III
19. Which of the following statements are TRUE of 1st Generation Healthcare Consumerism?
I. The focus is on high deductible plans with HRAs or HSAs, with limited decision support tools.
II. The impact is mainly on discretionary expenses including prescription drugs, emergency room visits, outpatient visits, and diagnostic and lab tests.
III. 1st generation plans encourage behavior change through rewards & incentives.
A. I & II
B. II
C. I & III
D. I, II & III
20. Which of the following statements are TRUE?
I. 2nd generation focus is on behavior change through rewards & incentives.
II. 3rd generation focus is on health and performance & workplace health & safety.
III. 4th generation focus is on personalized health and lifestyle needs
IV. 5th generation focus is on lowering cost and managing care
A. I & II
B. I, II & III
C. II, III & IV
D. II & IV
21. Which of the following statements are TRUE about 5th generation Healthcare Consumerism?
I. It focuses on community health and longevity
II. It focuses on premium discounts for meeting biometrics
III. It focuses on zero balance incentive accounts
IV. It includes the concepts of friendship pods, wise men, and sharing circles
A. I
B. II & III
C. I & IV
D. I, II & IV
22. In which generation of Healthcare Consumerism would you find an emphasis on worksite wellness, on-site clinics, and stress reduction?
A. 1st generation
B. 2nd generation
C. 3rd generation
D. 4th generation
23. TRUE or FALSE: Health Reimbursement Arrangements can be used with traditional HMOs and PPOs?
A. True
B. False
24. TRUE or FALSE: Health Savings Accounts can be used with traditional HMOs full coverage plans and high deductible PPOs?
A. True
B. False
25. TRUE or FALSE: Health Savings Accounts and Health Reimbursement Arrangements can both be used with High Deductible Health Plans?
A. True
B. False
26. TRUE or FALSE: Health Incentive Accounts are specialized forms of Health Reimbursement Arrangements?
A. True
B. False
27. Which of the following is NOT legally recognized?
A. Health Savings Accounts
B. Flexible Health Savings Accounts
C. Health Reimbursement Arrangements
D. Flexible Spending Arrangements
28. Which of the following statements are TRUE?
I. Health Savings Accounts were passed in 2003 as a part of the Medicare Modernization Act
II. Health Reimbursement Arrangements were passed as part of the 2006 Budget Reconciliation Act
III. Flexible Health Savings Accounts were passed in 1988 as a part of COBRA
IV. Health Reimbursement Arrangements were created by regulations and not by any law
A. I
B. II & III
C. I & IV
D. I, III & IV
29. Which of the following are TRUE for Health Savings Accounts?
I. Tax-free savings vehicles for medical expenses, no use-it-or-lose-it rule
II. Effective January 1, 2004
III. Eligibility: must be covered under High Deductible Health Plan (HDHP)
IV. Portable
A. I, II, IV
B. I, II, III
C. II, III & IV
D. I, II, III & IV
30. Health Savings Account “catch up” contributions equal:
A. $500
B. $1,000
C. $1,500
D. $1,000 indexed for inflation
31. Which if the following are NOT TRUE about Health Savings Accounts?
A. Non-qualified withdrawals are subject to income tax and 20% penalty
B. Employer contributions can be forfeited upon change of jobs
C. The withdrawal penalty is waived in case of death or disability
D. The withdrawal penalty is waived for distributions after age 65 or older
32. TRUE or FALSE: Health Reimbursement Arrangements are notional accounts:
A. True
B. False
33. What are the tax advantages of Health Savings Accounts?
I. Pre-tax deposits
II. Tax free accumulations
III. Free from Sales tax
IV. Non-tax withdrawals
A. I, II, III
B. II, III, IV
C. I, II, IV
D. I, III, IV
34. In 1st generation Healthcare Consumerism, Personal Care Accounts are identified with:
A. Initial Account Only
B. Activity & Compliance Rewards
C. Individual & Group Corporate Metric Rewards
D. Specialized Accounts, Matching HRAs, Expanded QME
35. In 2nd generation Healthcare Consumerism, Health Management is best identified with:
A. 100% Basic Preventive Care
B. Web-based behavior change support programs
C. Worksite wellness, safety, stress & error reduction
D. Genomics, predictive modeling, push technology
36. In 3rd generation Healthcare Consumerism, Condition Management is best identified with:
A. Information, health coach
B. Compliance Awards, disease specific allowances
C. Population Management, Integrated Health Management, Integrated Back-to-Work
D. Wireless cyber –support, cultural DM, Holistic care
37. In 4th generation Healthcare Consumerism, Health Literacy is best identified with:
A. Passive Information on Discretionary Expenses
B. Personal health management, information with incentives to access care
C. Health & performance information, integrated health work data
D. Arrive in time information & services, information therapy, social networking
38. In 5th generation Healthcare Consumerism, Incentives & Rewards are best identified with:
A. Zero balance accounts, activity based, and outcomes based incentives
B. Non-health corporate metric driven incentives
C. Personal development incentive plans, health status related incentives
D. Psychic rewards, recognition, honor, respect, love
39. Which of the following statements describe the Healthcare Consumerism building blocks:
I. Health Management – the promise of wellness
II. Condition Management – the promise of health
III. Health Literacy – the promise of fewer hospitalizations
IV. Incentives & Rewards – the promise of shared savings
A. I, II & III
B. II, III & IV
C. I, II & IV
D. II, III & IV
40. Which of the following statements are TRUE? To be a "bona fide wellness program," the law specifies that the program must meet certain requirements:
I. Be reasonably designed to promote health or prevent disease.
II. Be available to all similarly situated individuals. There must be a feasible alternative for those that cannot reach the health standard because of a medical condition.
III. Inform employees that individual accommodations and alternatives are available.
IV. All wellness programs that are based on participation rather than outcomes are permitted.
A. I, II & III
B. II, III & IV
C. I, II, IV
D. I, II, III & IV
41. All of the following statements are correct about tax advantaged accounts, EXCEPT:
A. HRAs can be used with any plan design
B. HSAs can only be used with HDHPs
C. FSAs can be carried forward for up to 3 months after each calendar year
D. MSAs contain a use-it-or-lose-it provision
42. Which of the following relationships is NOT TRUE of 1st generation Healthcare Consumerism?
A Personal Care Accounts - Initial Account Only
B. Health Management - Activity & Compliance Rewards
C. Condition Management - Information, health coach
D. Health Literacy - Passive Information on Discretionary Expenses
E. Incentives & Rewards - Cash, tickets, trinkets
43. Is the following statement True or False? A Rand study found that when people shifted into health insurance plans with deductibles of at least $1,000 per person, their health spending dropped an average of 14 %.
A. True
B. False
44. True or False? A study from the Center for Disease Control (CDC) shows that Behavior is a 40% determinate of a person’s health.
A. True
B. False
45. All of the following are generally true for reaching an actionable “desire for change”, EXCEPT:
A.Become generally aware of the issue requiring change
B. Analyze the Pros and Cons of change
C. Change because marketing has identified an opportunity
D. Gather more information
46. Which of the following are choices a consumer should make for better health and healthcare?
I. Focus on Preventive Care
II. Live Healthy & Safely
III. Reduce unscheduled vacation days
IV. Treatment Compliance for Chronic Persistent Problems
A. I, II & III
B. I, II & IV
C. I, III & IV
D. II, III & IV
47. Which of the following are choices a consumer should make for better health and healthcare?
I. Be compliant with disease management treatment plans
II. Invest wisely with HSA funds
III. Learn about diagnosis/condition.
IV. Act like a consumer - demand value and service
A. I, II & III
B. I, II & IV
C. I, III & IV
D. II, III & IV
48. Which of the following relationships is NOT TRUE of 2nd generation Healthcare Consumerism?
A Personal Care Accounts – Activity & Compliance Rewards
B. Health Management - Worksite wellness, safety, stress & error reduction
C. Condition Management - Compliance Awards, disease specific allowances
D. Health Literacy - Personal health management, information with incentives to access
E. Incentives & Rewards - Health Incentive Accounts, activity based incentives
49. Which of the following are “Manageable Employment Costs?”
I. Turnover
II. Absenteeism
III. Productivity
IV. Presenteeism
A. I, II & III
B. I, II & IV
C. II, III & IV
D. I, II, III & IV
50. Which of the following statements are TRUE?
I. Consumerism Stress Management is a process improvement methodology designed to improve bottom line saving and progresses into a business strategy that optimizes a company’s human capital and innovation effort.
II. Consumerism Stress Management emphasizes employee participation, the inclusion of corporate and operational performance metrics, and the power of the Internet to achieve savings by quantifying and positively influencing stress-related “Manageable Employment Costs”.
A. I
B. II
C. I &II
D. Neither
51. Which of the following is NOT TRUE? Research suggests that stress has been directly attributed to:
A. 21.5% of total health care costs
B. 40% of the primary reasons that employees leave a company
C. 50% of presenteeism is a function of stress
D. 60% of all disability and workers’ compensation costs
52. Which of the following is NOT an expected relationship of stress to health:
A. Job - Muscular System
B. Family - Digestive System
C. Personal - Emotional
D. Financial - Endocrine, Immune System
53. True or False? 3rd generation Healthcare Consumerism is about health and productivity with stress management a key part to both?
A. True
B. False
54. Which listing below best orders the level of stress intensity from low to high:
A. Depression, Anxiety, Post-Traumatic Stress, Obsessive Compulsive
B. Anxiety, Depression, Post-Traumatic Stress, Obsessive Compulsive
C. Anxiety, Post-Traumatic Stress, Depression, Obsessive Compulsive
D. Anxiety, Depression, Obsessive Compulsive, Post-Traumatic Stress
55. Which of the co-morbid relationships are NOT typical for low level stress?
A. Tobacco Use
B. Sleeplessness
C. Colds/Flu
D. Digestive
56. High levels of stress can be related to what areas of indirect corporate costs?
I. Low Productivity
II. Loss of Teaming
III. Turnover
IV. Early Retirement
A. I, II & III
B. I, III & IV
C. II, III & IV
D. I, II, III & IV
57. 4th generation Healthcare Consumerism’s main focus is on:
A. Personalized Health & Healthcare
B. Discretionary Spending
C. Behavior Changes
D. Integrated Health & Performance
58. Which of the following is NOT TRUE? 4th generation Healthcare Consumerism includes:
A. Cyber-health Aides - decision support systems and wireless connections that link each person to a personalized health and healthcare cyber-support system (e.g. diabetes phone).
B. Personalized internet search engines based upon individual profile health and healthcare needs. Cyber-support systems built to profile activity and anticipate areas of interest.
C. Services connected through federal agencies that will provide real time feedback on health status, lifestyle, and health concerns.
59. True or False? “Information therapy” is the active use of patient oriented information with clinical evidence based medicine. Information needs to be embedded into the process of clinical care.
A. True
B. False
60. Typical Bio-Metric markers used for premiums or rewards include:
I. Blood pressure
II. Cholesterol level
III. Waist Size
V. Body Mass Index
A. I, II & III
B. I, II & IV
C. II, III & IV
D. I, II, III & IV
61. Which of the following statements are TRUE?
I. Wellness is a proactive organized program providing lifestyle and medical/clinical assistance to employees and their family members in maintaining good health.
II. Wellness programs encourage voluntary behavior changes and support compliance with proven approaches to maintain health, reduce health risks and enhance their individual productivity.
A. I
B. II.
C. I & II
D. None
62. Which of the following is TRUE (based on EBRI study)?
A. 1% of plan members generate 20% of costs
B. 15% of plan members generate 95% of costs
63. Which of the following statement are TRUE?
I. Disease Management is a proactive organized program providing lifestyle and medical/clinical assistance to employees and their family members with chronic and persistent conditions.
II. Disease Management programs force behavior changes and require compliance with unproven medical practices which stabilize conditions, reduce health risks and enhance their individual productivity.
A. I
B. II.
C. I & II
D. None
64. Which of the following is not on the list of top 20 priorities as identified by the Institute for Medicine?
A. Asthma
B. Diabetes
C. Immunization
D. Athletes Foot
65. 4th generation Condition Management is best identified by:
A. Compliance Awards, disease specific allowances
B. Population Management, Integrated Health Management, and Integrated Back-to-Work programs
C. Wireless cyber support, cultural Disease Management, and Holistic care
D. Information support and health coaches
66. The 5 components of Manageable Employment Costs are:
A. Health care, Vacation Days, Presenteeism, Disability, and Unscheduled Manageable Absence
B. Health care, Turnover, Presenteeism, Disability, and Unscheduled Manageable Absence
C. Health care, Turnover, Holidays, Disability, and Unscheduled Manageable Absence
D. Health care, Turnover, Presenteeism, Travel Reimbursements, and Vacation Days
67. In 2015, the following preventive care mandates were added under PPACA with coverage required to be at 100%:
I. CT Scans for High Risk Smokers
II. Children’s Fluoride Varnish Treatments
III. Screening for abdominal aortic aneurysm in men 65-75
IV. Preeclampsia screening for healthy pregnancies
A. I, II
B. II, III, IV
C. I, II, III
D. I, III, IV
68. True of False? A PricewaterhouseCoopers study found that nearly a third (32%) of consumers have used some form of social media for healthcare purposes.
A. True
B. False
69. Which of the following relates to the development of 5th generation Healthcare Consumerism?
I. From Health to Productive Longevity
II. From Fully Insured to Self-insured
III. From Secular to Spiritual
IV. From Monetary to Emotional
A. I, II & III
B. I, III & IV
C. II, III & IV
D. I, II, III & IV
70. Which is FALSE regarding potential savings under a Healthcare Consumerism plan?
A. 1st generation plans with “basic” member options/choices can lower costs about 3%
B. 2nd generation plans with “expanded” member options/choices can lower costs about 12-15%
C. 3rd -5th generation plans with “comprehensive” member options/choices can lower cost a maximum of 10%.
D. The potential for properly implemented Healthcare Consumerism plans with member options/choices is 30% or more in savings annually.
71. Industry surveys indicate which of the following statements are TRUE regarding the need for Condition Management:
I. 60%+ of an employer’s total medical costs come from chronic and persistent diseases
II. 61 million Americans live with cardiovascular disease
III. Obesity is becoming the number one preventable cause of death
A. I
B. II
C. III
D. 1, II, III
72. The challenge for Healthcare Consumerism engagement and patients in need of Condition Management is:
I. 50% do not follow recommended standards of care
II. 33% with high blood pressure do not know they have it
III. Physicians charge too much for treating patients with Chronic Conditions
A. I
B. I,II
C. II
D. I,II,III
73. Which of the following statements are TRUE, regarding determinants of health (based on a study from the Centers for Disease Control):
I. The determinate of health is 50% controlled by behaviors
II. The determinate of health is 30% controlled by access to care
III. The determinate of health is 20% genetic
IV. The determinate of health is 50% environmental
A. I, II
B. I, III
C. I, III, IV
D. III, IV
74. True or False? Experience data indicates about 10% will participate in a typical passive condition management program (phone and mail outreach), whereas 75% will likely participate in an aggressive condition management program that includes incentives, waiving prescription drug copays, and/or providing premium differentials for compliance.
A. True
B. False
75. Which of the following statements are TRUE regarding incentives and rewards?
I. 1st generation rewards are generally cash, tickets, and “trinkets”
II. 2nd generation rewards are activity based
III. 3rd generation rewards can include non-health corporate metrics
IV. 4th generation rewards are based on personal development plans
V. 5th generation incentives are based on psychic rewards
A. I, II, III
B. I, II, III, IV
C. II, III, IV, V
D. I, II, III, IV, V
76. From early to later generations of healthcare consumerism, incentives and rewards have been evolving along the following lines (choose the best answer):
A. Participation, compliance, engagement, outcomes
B. Engagement, compliance, outcomes, participation
C. Participation, compliance, outcomes, health status
D. Engagement, compliance, health status, participation
77. Health literacy under 5th generation Healthcare Consumerism includes: D
I. Friendship Pods
II. Wisemen
III. Sharing Circles
IV. Gaming teams
A. I, II
B. II, III
C. II, III, IV
D. I, II, III
78. Which of the following is not one of the 4 elements of a successful Condition Management Program?
A. Working conditions that discourage unnecessary absences.
B. A delivery system of coordinating healthcare professionals
C. A process that monitors compliance
D. A process for continuous improvement in clinical behavior, refines treatment standards, and improves the quality of care.
79. Which statements are TRUE of Qualified Small Employer Health Reimbursement Arrangements (QSEHRAs)?
I. The Cures Act allowing QSEHRAs was designed with a focus mainly on speeding up drug approvals.
II. The Cures Act allows employers with fewer than 50 employees to fund out-of-pocket medical expenses.
III. The Cures Act allows employers to subsidize the purchase of individual health policies with tax advantaged QSEHRA's.
IV. To qualify for QSEHR's an employer can not otherwise sponsor a group health plan.
A. I, II & III
B. III & IV
C. II, III & IV
D. I, II, III & IV
80. 5th generation Healthcare Consumerism focuses on:
A. Behavioral Change
B. Community Health & Longevity
C. Integrated Health & Performance
D. Personalized Health & Healthcare
81. According to Stress Directions, Inc. which of the following are TRUE regarding the source of stress and an affected major body system?
I. Job Stress is related to the muscular skeletal system
II. Family Stress is related the digestive system
III. Personal Stress is related to optic nerve system
IV. Financial Stress is related to the Endocrine and Immune system
A. I, and II only
B. I, III, and IV
C. I, II, and IV
D. II, III, and IV
82. TRUE of FALSE. Incentives are typically financial payments made in advance to encourage participation in an activity. Rewards are typically financial payments made after successfully meeting an activity goal.
A.True
B. False
83. Which of the following are identified as "specialty use personal care accounts"?
I. Limited Purpose HRA
II. HSA with suspended HRA
III. HSA with retirement HRA
IV. HSA with post-deductible FSAHRA
A. I, II, and III
B. II, III, IV
C. I. II, and IV
D. I, II, III, and IV
84. All of the following are areas in need of an actuarial and financial analysis to determine their potential impact under a Healthcare Consumerism plan, EXCEPT:
A. Type or need for Savings Accounts (e.g. HRAs, HSAs, account credits)
B. Type of incentives and rewards
C. Impact on executive pay
D. Contribution strategies
85. Which of the following are reasonable examples for setting principles when moving to a Healthcare Consumerism plan?
I. Become an employer of Choice
II. Provide information of cost of providers
III. Limit options and employee choices
IV. Minimize change from current plans
A. I, II, III
B. I, II, IV
C. III and IV only
D. I, II, III, IV
86. Which of the following is NOT a suggested step to follow when creating a Healthcare Consumerism Vision statement?
A. Start with individual team members’ identification of basic principles, discuss priorities
B. Debate principles, identify frequently used and generally accepted key words
C. Vote on a majority rules basis
D. Keep the vision statement simple and concise
87. A check list to create a Healthcare Consumerism strategy should include all of the following, EXCEPT:
A. Impact on agent of record status
B. Current service issues
C. Anti-selection issues
D. Reasons for change
88. Which of the following principles is at the core of Healthcare Consumerism and is a general unifying theme for an employer’s benefit plan health and healthcare strategy?
A. Cost reduction
B. Limited provider networks
C. Changing of carriers or TPAs
D. Behavioral Change
89. Under Healthcare Consumerism, which of the following are the roles and responsibilities of Employers?
I. Facilitators of change
II. Improved employee moral with choice and access
III. More direct involvement with patients and treatment
IV. Diet, exercise and safety of plan members
A. I only
B. I & II only
C. I, II, and III
D. I, II and IV
90. Which of the following statements are TRUE regarding Healthcare Consumerism?
I. Healthcare Consumerism is not a plan design
II. Healthcare Consumerism is an HR strategy
III. Healthcare Consumerism is about increasing one’s “human capital”
IV. Healthcare Consumerism works only for the young and healthy
A. I, II
B. I, II, III
C. II. III
D. II, III, IV
91. All of the following are generally TRUE regarding the impact of the generations of healthcare consumerism, EXCEPT:
A.. 1st generation impact is on discretionary expenses
B. 2nd generation impact is chronic and persistent conditions
C. 3rd generation impact is on workplace metric (e.g. turnover, absenteeism, productivity)
D. 4th generation impact is on group rewards
92. True or False? There are currently identified 5 generations of healthcare consumerism?
A. True
B. False
93. True or False? The majority of employer plans are in the 3rd generation moving into 4th generation applications?
A. True
B. False
94. 3rd generation Healthcare Consumerism is described as including:
I. Group rewards
II. Worksite wellness
III. On-site clinics
IV. Holistic care
A. I, II, IV
B. II, III, IV
C. I, II, III
D. I,III, IV
95. Which of the following are statements are about Healthcare Consumerism:
I. Healthcare consumerism must work for the sickest among us
II. Healthcare consumerism must work for those interested in using technology and those who don’t
III. Of the 5 building blocks, the greatest among them is the Personal Care Account
IV. Healthcare consumerism is a subset of Consumer Driven Health Care (CDHC)
A. I, II
B. I, II, III
C. II, III, IV
D. I, II, III, IV
96. Based in industry surveys, which of the following are NOT TRUE regarding the need for wellness programs?
I. 70% of smokers want to quit
II. 55%+ are overweight or obese
III. 30% have cardiovascular disease
IV. 35% are depressed
V. 20% do not exercise regularly
A. I, III
B. II, IV
C. IV, V
D. II, IV, V
97. Some purposes of traditional wellness programs are to:
I. Minimize acute illness episodes
II. Maximize Recoveries from Acute conditions
III. Promote Prevention and Early Intervention
IV. Minimize complications from chronic conditions
A. I,II
B. I,II, III
C. I, II, III, IV
D. II, III, IV
98. All of the following are TRUE, regarding the levels of preventive care, EXCEPT:
A. Primary prevention is aimed at preventing the on-set of disease.
B. Secondary prevention is aimed at treating a diseases after its onset, but before it causes serious complications
C. Tertiary prevention is aimed at treating the late or final stages so as to minimize the degree of disability
D. Quaternary prevention is aimed at preventing imminent death
99. Which of the following are covered as mandated preventive care under the Patient Protection and Affordable Care Act (ACA)?
I. Services graded “A”, “B” or “C” by the U.S. Preventive Services Task Force (USPSTF),
II. Certain immunizations;
III. Preventive services for infants, children, adolescents and women as provided in guidelines developed by HHS’s Health Resources and Services Administration.
A. I only
B. I, II
C. II, III
D. I,II,III
100. Which of the following entities are empowered under ACA to impact the mandates for preventive care:
I. The United States Preventive Services Task Force
II. The American Medical Association (AMA)
III. The Advisory Committee on Immunization Practices of the Centers for Disease Control
IV. Health Resources and Services Administration (HRSA)
A. I, II, III
B. I, III, IV
C. II, III, IV
D. I, II, III, IV
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