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My study set from the textbook Aging, The Individual, and Society, Eighth edition Chapter 9


All-Inclusive (for HMO coverage of Medicare-related services) (p.226)

cost of living adjustment (COLA)

Social Security benefits rise with the cost of living. This occurs automatically whenever there is an increase in the Consumer Price Index in the first quarter of the year. (p.219)

culture of poverty

Abject hopelessness, despair, apathy, and alienation in poverty subcultures. (p.237)

dually entitled

A person covered by both Medicare and Medicaid (p.224)

economically vulnerable

Such an income is inadequate to allow most people to lead a full life (p.214)


Medicare is provided categorically, not need-based, so people with higher income pay the same a s people with limited income in terms of dollars. (p.226)


A beneficiary picks his or her own doctors, and Medicare pays a set fee for each service. (p.225)

health maintenance organization (HMO)

The HMO Agrees to cover all of an individual's needs for a capitated payment, covering all medicare-covered services (p.226)

SRO hotels

Single Room Occupancy hotels. A place where marginal and poor elders live. (p.235)


A program that financially eligible persons use to cover deductible and the 20 percent coinsurance required by Medicare (p. 224)


the main Insurer of persons over 65 years of age. 95 percent of the elderly are covered by Medicare hospital insurance (Part A), and 98 percent of those have supplementary medical insurance (Part B) as well. (o.224)

Medicare medical savings account

A high-deductible insurance policy provided by Medicare is combined with a tax-free medical savings account to help pay the deductible. At the end of the year, the beneficiary keeps any unused Medicare money. (p.226)

Medigap policy

A policy sold by private companies to help cover the gaps in health-care protection for which Medicare does not provide. (p.227)


Income between the poverty level and 125 percent of this level (p.214)

point of service

A Medicare option. Beneficiaries can visit doctors outside the network, but must pay an additional cost. (p.226)

preferred provider organization (PPO)

a Medicare option. The beneficiary can visit any doctor in the health care network without a referral or see doctors outside the network at an additional cost. (p. 226)

private pension

Money received upon retirement from funds into which an individual usually has paid while working. (p. 230)

privately contracted fee for service

The beneficiary may visit any doctor or purchase any health plan but pays extra for uncovered or expensive services. (p.226)

provider-sponsored organization (PSO)

A Medicare option. An organization similar to Managed care plans in which Medicare pays the health plan a monthly fee for each recipient. (p. 226)

relative deprivation

A person is deprived if his or her resources come up short in comparison with another's. (p.238)

reverse mortgages

A loan is made against home equity owed by the borrower. The borrower (a home owner) increased indebtedness while drawing down the equity in the home. The loan does not require repayment, and becomes repayable when the borrower ceases to use the home as a principle residence (p.216)

senior discount program

Elderly individuals receive discounts from 10-15 percent on drugs, groceries, baked goods, taxi fares, haircuts, and hairstyling, to name a few. (p.239)

social Security

Begain in 1935 to provide "some measure of protection... against poverty-ridden old age" - says Roosevelt (p.218)

Supplemental Security Income (SSI)

In 1974, the federal program known as Old Age Assistance, which was intended to aid those not covered adequately by Social Security was renamed SSI. Run by the Social Security Administration

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