This textbook includes an introduction to health care financing and employment-related medical expense coverage. It also provides a thorough analysis of the alternatives available for senior clients to finance medical and long-term care. Topics include consumer-directed health insurance plans for older clients; underwriting medical expense insurance and insuring the unhealthy; interim, supplemental, and ancillary; medical expense insurance; Medicare; Medicare supplments; Medicaid and veterans benefits; the need for financing long-term care; caregivers and settings for long-term care; personal resources to meet long-term care needs; development of long-term care insurance; charateristics of individual long-term care insurance; and the underwriting of long-term care insurance.
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