Which of the following statements concerning the need for long-term care insurance is (are) correct? I. Private medical expense insurance policies (both group and individual), in some cases, provide coverage only if a person also needs medical care; however, benefits are not provided if a person is merely old and needs someone to care for him or her. II. Medicare is inadequate to cover long-term care because it does not cover custodial care if that is all that is needed. I only II only Both I and II Neither I nor