Final answer:
Medicare is the largest payer for home health services, providing insurance mainly to individuals over sixty-five years old and those with certain health conditions.
Step-by-step explanation:
The largest payer for home health services is Option 3: Medicare. Medicare is a public healthcare system that offers insurance primarily to people over sixty-five years old as well as to certain younger individuals with disabilities or specific illnesses. Private health insurance is often too costly for the elderly due to their high average healthcare costs, which is why the U.S. government initiated the Medicare program to ensure that the elderly receive adequate healthcare coverage. Medicare pays for a significant portion of home health services.