An older adult client who was a veteran of World War II has just died. His widowed wife did not work and does not have sufficient funds to afford supplemental Medicare insurance. You would recommend which one of the following?
TRICARE for Life
Medicaid
Medicare Part D
Supplemental Security Income
The Correct Answer is B
A. TRICARE for Life.
Explanation: TRICARE for Life is a health insurance program for military retirees and their dependents. While it may be relevant for veterans, it is not typically available to widowed spouses, especially if they did not serve in the military themselves.
B. Medicaid.
Explanation: Medicaid is a state and federally funded program that provides health coverage to individuals with limited income and resources. In many states, Medicaid can assist in covering the costs not covered by Medicare, including premiums, deductibles, and other out-of-pocket expenses. Eligibility criteria for Medicaid vary by state, but it often considers income, assets, and medical needs.
C. Medicare Part D.
Explanation: Medicare Part D is the prescription drug coverage program for Medicare beneficiaries. It is not a substitute for supplemental insurance to cover other healthcare costs, and it focuses specifically on prescription medications.
D. Supplemental Security Income (SSI).
Explanation: SSI is a needs-based program that provides financial assistance to elderly or disabled individuals with limited income and resources. While it can assist with income support, it is not a health insurance program and may not directly cover healthcare costs. Medicaid is often coupled with SSI to provide comprehensive coverage.
Nursing Test Bank
Naxlex Comprehensive Predictor Exams
Related Questions
Correct Answer is ["B","D"]
Explanation
B. Provide nutritious food according to the residents' expressed food preferences.
Explanation: Offering nutritious food based on residents' preferences can enhance their satisfaction with meals, making them more likely to eat and maintain adequate nutritional intake. Taking individual preferences into account helps create a more person-centered approach to nutrition.
D. Distribute "med-pass" nutritional supplements.
Explanation: Nutritional supplements may be beneficial for residents who have difficulty meeting their nutritional needs through regular meals. "Med-pass" supplements can be distributed with medications or as a separate supplement to enhance calorie and nutrient intake, especially for those with specific dietary requirements.
The other options are not recommended:
A. Develop a seating chart for the main dining room based on the unit to facilitate a more organized and efficient meal delivery.
Explanation: While organization and efficiency are important, creating a seating chart based on the unit might not directly address the nutritional status of residents. Instead, focus should be on providing appetizing, nutritious meals and accommodating residents' preferences.
C. Replace the fluorescent lighting with candles at every table to create a cozy, restaurant-like atmosphere.
Explanation: While creating a pleasant dining environment is important, replacing fluorescent lighting with candles may not be practical or safe in a healthcare setting. Moreover, the emphasis should be on the nutritional content of the meals rather than the ambiance.
Correct Answer is ["A","B","C"]
Explanation
Medicare supplemental insurance, commonly known as Medigap, does not have a Part 8. The options provided seem to be a combination of different parts of Medicare and supplementary insurance.
A. It covers the costs of outpatient services.
Explanation: This statement is generally true, but it is associated with Medicare Part B, which covers outpatient services. Medigap plans can help cover some of the out-of-pocket costs associated with Medicare Part B services.
B. It must be purchased and is a subsidized medical policy.
Explanation: This statement is partially true. Medigap policies must be purchased, but they are not subsidized. Individuals pay private insurance companies for Medigap coverage to help pay for certain costs not covered by Original Medicare (Parts A and B).
C. It covers the costs of speech therapy.
Explanation: This statement is generally true. Medigap plans may cover part or all of the costs associated with Medicare-approved services, including speech therapy.
D. It covers medication costs.
Explanation: This statement is not entirely accurate. Medigap plans do not cover prescription drugs. Coverage for prescription medications is typically provided through Medicare Part D, which is a separate prescription drug coverage plan.
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