A nurse is reviewing the records of a group of clients. Which of the following clients should the nurse identify as eligible to receive health insurance under the Medicare program?
A client who is below the age of 18
A client who is age 65 or older
A client whose income is below the poverty line
A client who does not have any other kind of health insurance
The Correct Answer is B
Choice A: A Client Who is Below the Age of 18
Medicare is primarily designed for individuals who are 65 years of age or older. However, there are exceptions for younger individuals with certain disabilities or specific conditions like End-Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS). Generally, children under the age of 18 are not eligible for Medicare unless they meet these specific criteria.
Choice B: A Client Who is Age 65 or Older
This is the correct answer. Medicare is a federal health insurance program primarily for people who are 65 years of age or older. It provides coverage for hospital care (Part A), medical services (Part B), and prescription drugs (Part D). Individuals who are 65 or older are automatically eligible for Medicare if they or their spouse have paid Medicare taxes for at least 10 years.
Choice C: A Client Whose Income is Below the Poverty Line
Medicare eligibility is not based on income level. Instead, it is primarily age-based (65 or older) or condition-based (certain disabilities, ESRD, or ALS). Individuals with low income may qualify for Medicaid, a separate program that provides health coverage for low-income individuals and families.
Choice D: A Client Who Does Not Have Any Other Kind of Health Insurance
Lack of other health insurance does not automatically qualify someone for Medicare. Eligibility for Medicare is based on age (65 or older) or specific medical conditions, not on the absence of other health insurance. Individuals without other health insurance may explore options like Medicaid or the Health Insurance Marketplace.
Nursing Test Bank
Naxlex Comprehensive Predictor Exams
Related Questions
Correct Answer is A
Explanation
Choice A Reason:
My community is struggling with high morbidity due to heart health, so this initiative has merit. This statement indicates a clear understanding of the Million Hearts initiative, which aims to prevent heart attacks and strokes by improving cardiovascular health. Recognizing the high morbidity due to heart health issues in the community aligns with the initiative's goals, making it a suitable and beneficial program to implement.
Choice B Reason:
These initiative strategies are still in the experimental stage and have questionable merit in practice. This statement is incorrect because the Million Hearts initiative is a well-established program with proven strategies to reduce cardiovascular disease. It is not in the experimental stage and has demonstrated effectiveness in various communities.
Choice C Reason:
It is a local initiative and should not be used outside my state. This statement is incorrect as the Million Hearts initiative is a national program in the United States, designed to be implemented across different states and communities. It is not restricted to any specific locality and can be adapted to meet the needs of various populations.
Choice D Reason:
I will need to get a doctor's order or directive from the community health lead before considering outside initiatives. While collaboration with healthcare providers and community leaders is important, this statement does not reflect an understanding of the initiative itself. The Million Hearts initiative can be implemented by various stakeholders, including nurses, without requiring a specific directive from a doctor or community health lead.
Correct Answer is B
Explanation
Choice A Reason:
A client who has health insurance but requires a supplemental policy is not typically eligible for Medicaid based solely on this need. Medicaid is designed to provide health coverage for individuals with low income and limited resources. While supplemental policies can help cover additional costs, they do not qualify someone for Medicaid.
Choice B Reason:
A client whose income is below the poverty line is eligible for Medicaid. Medicaid is a means-tested program that provides health coverage to low-income individuals and families. Eligibility is primarily based on income and, in some cases, other factors such as disability or family status. This choice aligns with the primary eligibility criteria for Medicaid.
Choice C Reason:
A client who has health insurance from their job but is recently unemployed may qualify for Medicaid if their income falls below the eligibility threshold. However, the key factor is the income level, not the employment status alone. If the client's income remains above the poverty line despite unemployment, they may not qualify for Medicaid.
Choice D Reason:
A client who is a young adult between the ages of 18 to 25 does not automatically qualify for Medicaid based on age alone. Eligibility for Medicaid is primarily determined by income and other specific criteria. While some young adults may qualify under certain circumstances, age alone is not a determining factor.
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