Massachusetts Health & Accident Insurance Practice Exam

Who is eligible for Medicaid benefits?

1. Individuals aged 65 and older

2. Low income individuals

3. Those who have a college degree

4. Individuals with private insurance

The correct answer is: Low income individuals

The eligibility for Medicaid benefits primarily focuses on the income levels of individuals. Medicaid is a state and federally funded program that provides health coverage to eligible low-income individuals and families. Therefore, the correct choice is based on the fact that low-income individuals, regardless of age or education level, can qualify for assistance under this program. Many factors play a role in determining eligibility for Medicaid, such as household income, family size, and specific state guidelines. Although individuals aged 65 and older can qualify for Medicaid, their eligibility is contingent upon meeting the income and asset criteria set by the state, which makes this option more specific and not as universally applicable. The other options, which mention education and having private insurance, do not align with Medicaid's primary focus on income. Individuals with a college degree or those who already possess private insurance are not automatically eligible for Medicaid unless they also meet the low-income requirements. Thus, the emphasis on low income directly aligns with the intent and structure of the Medicaid program, making it the most suitable choice.