Medicare is a federal health insurance program in the United States designed to provide financial security for healthcare costs. It primarily targets:

• People aged 65 and over: This is the largest beneficiary group.
• Younger individuals with disabilities: Those who meet specific disability criteria can qualify for Medicare before reaching 65.
• People with End-Stage Renal Disease (ESRD): This refers to permanent kidney failure requiring dialysis or a transplant.

There are four main parts to Medicare, each offering different types of coverage:

• Part A (Hospital Insurance): Covers inpatient care like hospital stays, skilled nursing facility care, and home health services.
• Part B (Medical Insurance): Covers outpatient services like doctor visits, lab tests, preventive care, and some medical supplies. Enrollment is optional but recommended.
• Part C (Medicare Advantage Plans): Offered by private insurers, these plans combine Parts A and B coverage, often with additional benefits like vision, dental, or prescription drugs.
• Part D (Prescription Drug Coverage): Offered as a standalone plan by private insurers, Part D helps with the cost of your prescription medications.