11.0 Senior Needs

Learning Objectives

1. Determine when Medicare functions as the primary or secondary payer
2. Describe the various Medicare enrollment periods
3. Differentiate between the purpose and coverage of Medicare Part A and Part B
4. Explain the purpose and role of a Medicare Supplement (Medigap) policy
5. Identify the standardized core benefits included in all Medigap plans
6. Recognize the benefit triggers in a long-term care (LTC) policy
7. Distinguish among skilled, intermediate, and custodial care
8. Identify available optional coverages within long-term care policies

Overview

This chapter is designed to introduce learners to both government-sponsored and private health insurance programs that address the healthcare needs of older adults and individuals with special needs in the United States.