1. Medicare
   Medicaid
2. Social Security
   WIC

While Social Security and WIC, the food and nutrition program for Women Infants and Children, are government-sponsored social programs, Medicare is the health insurance program that helps senior citizens pay for health care.

1. Medicare
   Medicaid
2. Social Security
   WIC

Medicaid is the health insurance program for the poor.

1. Individual
   Employer-paid
2. Catastrophic
   Supplemental

Employer-paid health insurance is much cheaper than most other types of health care coverage because of the number of people enrolled in the plan.

1. Those enrolled in a group health insurance plan pay less in premiums than those in an individual plan.
   Those enrolled in a group health insurance plan pay more in premiums than those in an individual plan.
2. Those enrolled in a group health insurance plan receive less coverage than those in an individual plan.
   Those enrolled in a group health insurance plan can never purchase an individual plan.

Because a number of people are enrolled in group health insurance, costs are kept low, while individual plans are expensive.

1. Union worker
   Self-employed
2. Municipal employee
   Private school teacher

Union workers and other municipal employees generally have employer- or union-sponsored group health plans. Those who are self employed must purchase individual health plans.

1. Hospitals owned by the same company.
   Physicians who consult with other physicians.
2. Health care professionals that are part of a health plan's group of providers.
   Physicians who charge the same rate for the same type of procedure.

In the health insurance industry, a network is a group of doctors, hospitals and other health care providers contracted to provide services to insurance companies for less than their usual fees.

1. Co-pay
   Broker
2. Beneficiary
   COBRA

A co-pay is a flat fee that an individual pays for health care services. The insurance company covers the rest.

1. Cancer
   Broken leg
2. Diabetes
   Asthma

Many individual plans exclude preexisting conditions when customers purchase health insurance. Technically speaking, a preexisting condition is any major medical problem like cancer, diabetes or asthma that is excluded from coverage because the person had that condition before purchasing their health insurance.

1. Indemnity care plans cost less than managed care plans.
   Those enrolled in an indemnity care plan can go out of network, while those that are covered by managed care plan cannot.
2. Indemnity care plans cost more than managed care plans.
   Indemnity care plans are solely catastrophic in nature, while managed care plans are not.

In indemnity, or "fee-for-service" health plans, the customer pays a percentage of their health care costs, while the insurance companies pick up the rest. Because of this, patients are free to choose their health care professionals and don't have to participate in a network of doctors.

1. Lower costs
   Higher costs
2. More out-of-network doctors
   Access to better health care

Managed care plans provide patients with lower health care costs because these services are part of a network of doctors, hospitals and other providers.

1. An insurance company's list of covered drugs.
   An insurance company's list of in-network doctors.
2. An insurance company's list of out-of-network doctors.
   An insurance company's list of customers who do not pay their bills.

Anyone who has tried to get a prescription filled only to be told that the insurance company will not pay for the drug knows what a formulary is. A formulary is a list of drugs an insurance company will not pay for. Most of the time the insurance company wants you to buy a less expensive generic drug.

1. Health Maintenance Organization
   Health Management Organization
2. Holistic Medicine Organization
   Happy Management Organization

An HMO, or Health Management Organization, provides a fixed fee for services instead of charging for each visit or procedure. Those services are provided by doctors, clinics and other health care providers under contract with the HMO.

1. A state-run program for the destitute.
   A federal government operated program that offers coverage for individuals who cannot get health insurance from another source due to serious illness.
2. A state-run program that offers health coverage for individuals who cannot get health insurance from another source due to serious illness.
   A list of patients that should not be given health insurance because their cases are terminal.

High-risk pools are state-sponsored insurance programs for individuals denied coverage by private insurers because of health problems.

1. Cardiologist
   Internist
2. Pediatrician
   General practitioner

A primary care physician is usually a general practitioner, internist or even a pediatrician who acts as the primary doctor for an person's health care needs. The primary-care provider refers patients to specialists, such as a cardiologist.

1. The median cost of a medical procedure.
   Prevailing cost of a medical service in the United States.
2. Prevailing cost of a medical service in a given geographic area.
   The rate Medicare charges for medical treatment.

"Reasonable and customary" are the average fees paid in a specific geographic area. If the fee is higher than what the insurance company considers "reasonable and customary," the patient pays the difference.

1. Flexible spending account
   Co-payment
2. Deductible
   Rationing

Many employers allow their employees to contribute cash to a flexible health care spending account. The money is taken out of an employee's paycheck pre-tax.

1. AFLAC
   Medicaid
2. Social Security
   AMTRAK

AFLAC is a company that provides supplemental insurance to cover some costs that regular health insurance will not cover.

1. Those in a rehab center.
   Those in a nursing home.
2. Those in intensive care ward.
   Those in an acute care facility.

Nursing home patients would most likely need long-term health insurance to pay for chronic health problems and care.

1. If you get laid off and lose your company's benefits.
   If you start a new job.
2. If you are self-employed.
   If you have group-health insurance.

The Consolidated Omnibus Budget Reconciliation Act, or COBRA, is the federal law that allows people who leave their job, including the unemployed, to continue with their former employer's health coverage for up to 18 months.

1. Deductible
   Rider
2. Single-payer
   Co-payment

While a rider is an amendment to a health insurance plan and a co-payment is what a person pays when they visit the doctor, a deductible is what a patient pays before their health insurance kicks in.