What best describes Medicare?

Medicare is best described as a federal health insurance program designed specifically for individuals who are 65 years of age or older and for certain younger individuals who are permanently disabled. This program was established to ensure that seniors and those with disabilities have access to necessary medical care, covering a range of healthcare services including hospital stays, doctor appointments, and sometimes prescription drugs.

The focus on individuals over 65 and those with specific disabilities underscores the societal recognition of the unique healthcare needs faced by these populations. Medicare provides a significant level of coverage, making healthcare more accessible and affordable for millions of Americans who might otherwise struggle with medical costs.

The other options do not accurately reflect the purpose and structure of Medicare. The private insurance program described in one option pertains to different insurance models that are not part of Medicare's offerings. Similarly, the concept of temporary health coverage and supplemental insurance for children does not align with Medicare's established intent and demographic focus.