The Presence of Insurance, by Partially Insulating Both Consumers and Providers

question 69

Multiple Choice

The presence of insurance, by partially insulating both consumers and providers from bearing the full cost of the health care services provided, can create what economists have identified as

• A)adverse selection problems.
• B)moral hazard problems.
• C)third-party payer problems.
• D)all of the options are correct.

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Definitions:

Centrifuge

A device that spins containers at high speed to separate substances of different densities.

Transfusion Reactions

Adverse reactions that may occur during or after a blood transfusion, including allergic reactions, febrile responses, and more severe complications like acute hemolytic reactions.

Hemoglobinuria

The presence of free hemoglobin in the urine; a rare condition caused by transfusion reactions, malaria, drug reactions, snake bites, or severe burns.

Myoglobinuria

The presence of myoglobin in the urine; can be caused by injured or damaged muscle tissue.