Arizona Health Insurance Practice Exam

In what situation is custodial care typically covered under health insurance?

1. When rehabilitation is required

2. Only if hospitalization occurs before

3. For assistance with daily living activities

4. During a temporary illness

The correct answer is: For assistance with daily living activities

Custodial care is generally associated with assistance provided to individuals who need help with activities of daily living, such as bathing, dressing, eating, and mobility. Health insurance typically covers custodial care when it is deemed necessary for an individual who is unable to perform these tasks independently due to age, chronic illness, or disability. This type of care is focused on providing support rather than medical treatment and is essential for maintaining the patient's quality of life. In contrast, the other scenarios do not align with the standard coverage for custodial care. Rehabilitation services, for instance, often require a more specialized medical approach and are usually covered under different provisions focused on restoring health rather than supporting daily functions. Hospitalization does not inherently guarantee coverage for custodial care unless it pertains specifically to ongoing needs following inpatient services. Temporary illnesses may not require custodial care at all since they often do not hinder individuals from performing daily tasks independently.