Discussion Question 1: Types of Health Insurance
Health insurance is a type of insurance coverage that covers the cost of an insured individual's medical and surgical expenses. Depending on the type of health insurance coverage, either the insured pays costs out-of-pocket and is then reimbursed, or the insurer makes payments directly to the provider.
Research and describe the four major types of health insurance both the most preferred and least preferred, then identify which population groups are commonly covered by each.
Discussion Question 2: Social Insurance
A program of compensation provided and controlled by a government for the elderly, the disabled, or the unemployed people is known as the social insurance program. Acceptance in a social insurance program is not guaranteed and individuals seeking to be covered have to meet certain requirements. Social insurance may come in the form of healthcare or monetary compensation.
Define social insurance and describe the social insurance programs available in the U.S. Discuss how these programs affect access to care and the role the government plays in providing them.