Public Health Nursing Practice Exam

Which health insurance program is most appropriate for a retired 66-year-old woman without employment health insurance?

1. Medicaid

2. Social Security

3. Medicare

4. Economic Opportunity Act

The correct answer is: Medicare

The most appropriate health insurance program for a retired 66-year-old woman without employment health insurance is Medicare. Medicare is a federal health insurance program designed primarily for individuals who are 65 years of age or older, as well as for certain younger individuals with disabilities or specific illnesses. At 66, the woman qualifies for Medicare, which offers various parts such as Part A, which covers hospital insurance, and Part B, which covers outpatient services and preventive care. Enrollment typically begins three months before the individual turns 65 and continues for several months after turning 65, making it essential for retirees who are no longer covered by employer-sponsored health insurance. Medicaid, while it provides healthcare coverage for low-income individuals, is generally based on income and resources, which may not be the primary concern for a retired individual with other support systems. Social Security is primarily a retirement benefit program, and while it does provide a source of income, it does not function as a health insurance program. The Economic Opportunity Act, which aimed to combat poverty, does not pertain specifically to health insurance for retirees. Therefore, Medicare is the most fitting choice for this scenario.