What does Medicare primarily serve as?

Medicare primarily serves as a federal program that provides health insurance to individuals over 65 and those with certain disabilities. This program is essential for ensuring that older adults and qualified individuals have access to necessary medical services, including hospital care, outpatient services, and preventive care.

The program's structure is designed to cover a significant portion of health care expenses, which can be particularly burdensome for seniors who may be living on fixed incomes. Medicare is divided into different parts that target various healthcare needs: Part A covers hospital insurance, Part B covers medical insurance, Part C offers Medicare Advantage plans, and Part D pertains to prescription drug coverage.

Understanding Medicare is crucial for navigating the health care landscape, especially for elderly populations and those with disabilities, as it significantly impacts their access to medical services and overall health outcomes. This focus on individuals over 65 and those with disabilities is fundamentally what distinguishes Medicare from other health programs, such as Medicaid, which primarily aids low-income individuals.