A nurse is discussing health insurance coverage with state legislators.
Which of the following disadvantages related to health insurance should the nurse include in the discussion that is specific to clients who live in rural communities rather than urban areas?
Limited access to primary care providers.
Limited availability of managed care insurance.
Financial risk that is typical of underinsured clients.
Lack of government-provided health insurance.
The Correct Answer is A
Choice A rationale
Limited access to primary care providers is a significant disadvantage related to health insurance for clients who live in rural communities. Rural areas often have fewer healthcare providers, which can make it difficult for residents to receive the care they need. This can lead to delays in care, unmet health needs, and worsening of existing health conditions.
Choice B rationale
While the availability of managed care insurance can vary by location, this is not a disadvantage specific to rural communities. Both urban and rural areas can have limited availability of certain types of health insurance.
Choice C rationale
Financial risk that is typical of underinsured clients is not specific to rural communities. Both urban and rural residents can be underinsured, which can lead to significant out-of-pocket costs and financial strain.
Choice D rationale
Lack of government-provided health insurance is not a disadvantage specific to rural communities. Government-provided health insurance programs, such as Medicare and Medicaid, are available to eligible individuals regardless of whether they live in an urban or rural area.
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Naxlex Comprehensive Predictor Exams
Related Questions
Correct Answer is C
Explanation
Choice A rationale
Having a mother who had you when she was in high school does not necessarily indicate a protective factor. It could mean that the mother was not fully prepared for the responsibilities of parenthood, which could have led to a less stable upbringing.
Choice B rationale
Having parents in the military and moving a lot since birth can be a source of stress and instability for a child. Constantly changing environments and having to adapt to new schools and make new friends can be challenging and anxiety-inducing.
Choice C rationale
Having a supportive and understanding teacher can be a significant protective factor for an adolescent with an anxiety disorder. A teacher who listens well can provide a safe and supportive environment for the student to express their feelings and concerns, which can help alleviate anxiety.
Choice D rationale
Having a sibling with health problems can be a source of stress and anxiety for a child. The parents’ attention might be primarily focused on the sibling’s health issues, which could lead to feelings of neglect or added pressure to be the “healthy” or “problem-free” child.
Correct Answer is C
Explanation
Choice A rationale
While young adults aged between 18 to 25 can be eligible for Medicaid, age alone is not a determining factor. Eligibility is primarily based on income level, family size, disability, and other factors.
Choice B rationale
Losing a job and previously having health insurance from an employer does not automatically qualify someone for Medicaid. While some individuals may qualify for Medicaid after losing their job, it largely depends on their current income, family size, and state regulations.
Choice C rationale
Medicaid is a joint federal and state program that provides health coverage to people with low income, including some low-income adults, children, pregnant women, elderly adults, and people with disabilities. Therefore, a patient whose income is below the poverty line would likely be eligible for Medicaid.
Choice D rationale
Having health insurance but needing a supplemental policy does not necessarily qualify someone for Medicaid. Medicaid is intended to provide health coverage for low-income individuals who meet specific eligibility requirements.
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