Demographics define people with different social relationships and design needs. According to the 2002 U.S. Census, the older adults constitute 35.6 million that is 12.3% of the country’s population. By 2020, it is foreseen that 17% of the population will be 65 years old and over. The census revealed that 20.8 million women were 65 years old and above, while men were 14.8 million (Anderson, 2011). According to Anderson (2011), the U.S. Census Bureau in 2008, predicted that by 2030, individuals aged 85 years, and above will rise from 4.6 million to 9.6 million (p.6). Medicare is a federal insurance scheme for persons aged 65 years and above. The insurance cover considers those persons with disability. Individuals aged 65 years and above qualify for Medicare benefits and are allowed to apply in part of fully.
The other group of individuals who qualify for Medicare are those eligible for social security. One becomes eligible through FICA contributions that occurred during the time he/she was working, or one was married to a person who did.
Medicare gives two kinds of insurance that is the traditional fee-for-service option and Medicare advantage. In traditional option, the client is insured by the government while the Medicare advantage is given to individuals who depend on private plan for their benefits. In the traditional option, the Medicare plan is divided into two parts, that is, part A and B. It reflects the division on the funding of the schedule. The part A gets funding from a part of the taxation of social security benefits and payroll taxes. The areas covered by part A include hospice services, some home health care, inpatient hospital care and skilled nursing benefits. On the other hand, part B covers outpatient hospital care, some health care, ambulatory services, physician and associated services.