What term refers to coverage provided through an employer, or purchased directly by individuals and families to help cover medical care and related expenses?

• A. Medicare
• B. Private health insurance
• C. Medicaid
• D. Premium

Answer: (B)

Private health insurance refers to coverage obtained through an employer or purchased directly by individuals and families to help cover medical care and related expenses. This type of coverage is provided by private companies, rather than by government programs. It can include a range of plans with varying deductibles, copays, and covered services.

Medicare and Medicaid are government programs with specific eligibility requirements—Medicare mainly serves older adults and some people with disabilities, while Medicaid assists individuals and families with low income. The term Premium is the ongoing amount paid to maintain the policy, not the coverage itself.