Which type of insurance will cover a 40-year-old client who is an uninsured, disabled non-veteran?

• A. Medicare
• B. Aetna
• C. Blue Cross Blue Shield
• D. Tricare

Answer: (D)

The question tests understanding of who each type of health coverage serves. Tricare is the military health system and covers not only active-duty service members and retirees but also their families and survivors. If the 40-year-old client is a dependent of a service member or retiree, they would be eligible for Tricare, which makes it a plausible source of coverage for someone who is uninsured and disabled but not a veteran themselves.

Medicare is tied to age or disability eligibility, typically requiring either reaching 65 or qualifying for disability benefits (often after a waiting period), so it may not automatically apply to a 40-year-old unless specific disability criteria are met. Private insurers like Aetna or Blue Cross Blue Shield require enrollment and premiums and aren’t automatically available to someone who is uninsured unless they qualify for a particular employer or marketplace plan.

So, Tricare fits best in this scenario if the client is linked to service members (as a dependent or survivor), which is why it’s the correct choice given the context.