Why might individuals aged 65 and older apply for Medicare Title 18?

Individuals aged 65 and older often apply for Medicare Title 18 to access federal health insurance benefits. Medicare is a federally funded program designed to provide health coverage primarily for older adults, helping them manage medical expenses associated with hospital stays, skilled nursing facility care, certain home health services, and outpatient care. This program is crucial for older adults as they typically face higher healthcare costs and may have limited financial resources.

The other options focus on scenarios that do not directly relate to the primary purpose of Medicare. For instance, while access to out-of-network services may be important for some individuals, Medicare itself usually has specific network guidelines. Life insurance policies are unrelated to Medicare, as they serve a different financial purpose primarily focused on providing financial support upon an individual's passing rather than covering healthcare needs. Lastly, while Medicare does interface with private insurance programs through Medicare Advantage plans, the fundamental reason for applying for Medicare Title 18 remains access to the essential federal health benefits it provides.