Medicare is described as which?

• A. A private plan offered by employers
• B. A state program for low-income seniors
• C. A federal health insurance program for individuals over 65 or permanently disabled
• D. A wellness benefit for all

Answer: (C)

Medicare is a federal health insurance program for people age 65 or older or who have become permanently disabled. It’s run by the federal government (CMS) and provides nationwide coverage, funded through payroll taxes, premiums, and general revenue. It includes parts that cover hospital care, medical services, and optional private plans for extra coverage (Medicare Advantage) and prescription drugs. This distinguishes it from a private plan offered by an employer, from a state-program for low-income seniors, or from a universal wellness benefit, which Medicare is not.