BBH 119 Exam 1 Lecture Notes - Lecture 2 Notes...

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Lecture 2 Notes: Understanding your Health ° Health Literacy ° Definition: Health literacy is defined in Health People 2010 as: "The degree to which individuals have the capacity to obtain, process, and understand basic health information and services needed to make appropriate health decisions“. Examples include complete understanding of: o Instructions of prescription bottles o Doctor’s directions for home care o Medical consent forms o How to access health care systems o Health insurance Health literacy is NOT simply the ability to read. It requires a complex group of reading, listening, analytical, and decision-making skills, and the ability to apply these skills to health situations. Only 12% of the U.S. population is health literate. 9 out of 10 people in the U.S. may lack the full skills necessary to manage or prevent disease. If only 12% of the U.S. population is health literate what do you think it means for the healthcare of those who aren’t? ° ° The Health Care System All activities whose primary purpose is to promote, restore, or maintain health (WHO, 2000) Includes: Delivery of services by physicians, midwives, nurses, & technicians All medication use
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Home care services WHO goals and measures of a good health care system o Good health Health status of all portions of population as high as possible o Responsiveness Members of population treated with respect by providers Fairness in financing o Financial protection for everyone, cost distributed by ability to pay Health, cost, and responsiveness distributed across all segments of population ° ° Health Insurance: The Basics ° Indemnity Covers some health expenses (usually at a set percentage of the charge). Usually allows an individual to select a physician or a hospital without restrictions. Patients are responsible for paying the portion of the medical bill that is not covered by insurance. ° HMO HMOs rely on a primary care physician to coordinate a person’s care. There are restrictions on choice of physician, hospital, and other ancillary services. For specialty care to be covered, referrals to specialists must come from the primary care doctor. Procedures and tests must have preapproval from the HMO to be covered under the plan. ° Preferred Provider Organizations (PPO)
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Networks of physicians and institutions that work with a specific insurance company. Physicians and institutions within the network provide care at a negotiated rate to persons insured under the plan. Usually can see a specialist without a referral. In order to receive coverage in a PPO plan, your physician (both primary care and specialty physicians) must belong to the PPO network.
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