Society For Human Resource Management (SHRM) Certified Professional Practice Exam

Which healthcare program primarily provides coverage based on age?

1. Medicaid

2. Medicare

3. Private insurance

4. Employer-sponsored plans

The correct answer is: Medicare

Medicare is the program primarily designed to provide health coverage based on age, specifically for individuals who are 65 years and older. It serves as a crucial safety net for senior citizens, offering various parts to accommodate different healthcare needs, including hospital care, outpatient services, and prescription drug coverage. The program is funded by both the federal government and through beneficiaries' contributions via payroll taxes during their working years. While the other options address healthcare needs, they do not primarily focus on age. Medicaid, for instance, primarily helps low-income individuals and families, regardless of their age, while private insurance and employer-sponsored plans often cater to a broader demographic without age-based eligibility criteria. Therefore, the correct answer is Medicare, emphasizing its unique role in providing coverage for older adults.