Which term refers to federal health insurance for older adults and certain disabled individuals?

• A. Medicare
• B. Medicaid
• C. HMO
• D. PPO

Answer: (A)

Medicare is the federal health insurance program designed primarily for people aged 65 and older, and for younger individuals with certain disabilities or specific conditions. It is funded and run by the federal government, which is why it covers beneficiaries nationwide. Medicare helps pay for hospital care and medical services, with additional options like private Medicare Advantage plans and prescription drug coverage.

The other options describe different concepts: Medicaid is needs-based and jointly funded by federal and state governments to help low-income individuals; HMO and PPO refer to types of managed care plans that dictate how you access care, not a separate federal health insurance program.