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saramorris · 4 years

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A Dozen Facts About Medicare Advantage

Medicare Advantage plans have played an increasingly larger role in the Medicare program over the past decade. More than 20 million Medicare beneficiaries (34%) are enrolled in Medicare Advantage plans in 2018. This collection provides updated information about Medicare Advantage enrollment trends, premiums, and out-of-pocket limits. It also includes new analyses of Medicare Advantage plans’ extra benefits, and bonus payments paid by Medicare.

1. Enrollment in Medicare Advantage has nearly doubled over the past decade

In 2018, one in three (34%) Medicare beneficiaries – 20.4 million people – is enrolled in a Medicare Advantage plan. Between 2017 and 2018, total Medicare Advantage enrollment grew by about 1.5 million beneficiaries, or 8 percent – a nearly identical rate of growth compared to the prior year. The Congressional Budget Office (CBO) projects that Medicare Advantage enrollment will to continue to grow over the next decade, with plans including about 42 percent of beneficiaries by 2028.

2. One in five Medicare Advantage enrollees are in employer or union-sponsored group plans in 2018

One in five Medicare Advantage enrollees (4.1 million) are in group plans offered by employers and unions for their retirees in 2018. Under these arrangements, employers or unions contract with an insurer and Medicare pays the insurer a fixed amount per enrollee to provide benefits covered by Medicare. The employer or union (and sometimes the retiree) may also pay a premium for additional benefits or lower cost-sharing.

The growth in enrollment in Medicare Advantage group plans reflects a larger trend by large employers (including state governments) and unions to adopt strategies to limit their liability for retirees’ health costs. Group enrollees comprise a disproportionately large share of Medicare Advantage enrollees in nine states: Alaska (100%), West Virginia (53%), Michigan (51%), Illinois (42%), Kentucky (39%), Delaware (37%), Maryland (35%), New Jersey (34%), and Wyoming (30%).

3. The share of Medicare beneficiaries in Medicare Advantage plans ranges across states from 1% to over 40%

The share of Medicare beneficiaries in Medicare private health plans, including Medicare Advantage plans and Medicare cost plans, varies across the country. In 25 states, at least 31 percent of Medicare beneficiaries are enrolled in Medicare private health plans, with more than 41 percent of enrollees in four states (FL, HI, MN, and OR). The majority of the Medicare private health plan enrollment in Minnesota is in cost plans, rather than Medicare Advantage plans; cost plans are paid differently and subject to different rules than Medicare Advantage plans. Medicare Advantage enrollment is less than 11 percent of Medicare beneficiaries in three mostly rural states (AK, VT, and WY).

4. The share of Medicare beneficiaries in Medicare Advantage plans varies across counties from less than 1% to more than 60%

Within states, Medicare Advantage penetration varies across counties. For example, in Florida, 66 percent of all beneficiaries living in Miami-Dade County are enrolled in Medicare Advantage plans whereas only 10 percent of beneficiaries living in Monroe County (Key West) do so. In 135 counties, more than half of all Medicare beneficiaries are enrolled in Medicare Advantage plans or cost plans. Many of these counties are centered around large, urban areas.

For example, while Miami-Dade County is the urban area with the highest Medicare Advantage penetration rate, 65 percent of beneficiaries in Monroe County, NY (Rochester) and 62 percent of beneficiaries in Allegheny County, PA (Pittsburgh) are enrolled in Medicare Advantage plans. In contrast, in 688 counties (22%), no more than 10 percent of beneficiaries are enrolled in Medicare private plans; many of these low penetration counties are in rural parts of the country but some urban areas, such as the District of Columbia, also have relatively low Medicare Advantage enrollment.

5. Most Medicare Advantage enrollees are in plans operated by UnitedHealthcare, Humana, or BCBS affiliates in 2018

Medicare Advantage enrollment tends to be highly concentrated among a small number of firms. UnitedHealthcare and Humana together account for 43 percent of all Medicare Advantage enrollees, and the BCBS affiliates (including Anthem BCBS plans) account for another 15 percent of in 2018. Another four firms (Aetna, Kaiser Permanente, Wellcare, and Cigna) account for another 21 percent of enrollment in 2018.

For the second year in a row, enrollment in UnitedHealthcare’s plans grew more than any other firm, increasing by almost 600,000 beneficiaries between March 2017 and March 2018; Aetna had the second largest growth in Medicare Advantage enrollment, increasing by about 280,000 beneficiaries between March 2017 and March 2018.

6. Half of Medicare Advantage Prescription Drug Plan enrollees pay no premium (other than the Part B premium)

Most Medicare Advantage enrollees (88%) are in plans that include

prescription drug coverage (MA-PDs), and about half of these beneficiaries pay no premium for their plan, other than the Medicare Part B premium. However, one-quarter of beneficiaries in MA-PDs pay at least $50 per month, including 10 percent who pay $100 or more per month, in addition to the Part B premium. Among MA-PD enrollees who pay a premium for their plan, the average premium is $70 per month. On average, beneficiaries in MA-PDs pay $34 per month in 2018.

7. Premiums paid by Medicare Advantage Prescription Drug Plan enrollees have been relatively constant since 2012

Overall, average premiums at the national level have been relatively steady for MA-PD enrollees since 2012, although premiums for regional PPOs have steadily increased while premiums for other types of plans have declined. Average MA-PD premiums range from $26 per month for HMO enrollees to $48 per month for local PPO enrollees and $45 per month for regional PPO enrollees.

8. Medicare Advantage enrollees’ out-of-pocket costs for Part A and B services are capped at $5,187, on average, in 2018

In 2018, the average out-of-pocket limit for in-network services covered under Medicare Part A and B services for Medicare Advantage enrollees is $5,187, similar to 2017 and 2016 levels, but substantially higher than $4,288 in 2011. As in prior years, HMO enrollees generally have lower out-of-pocket limits ($4,908 on average) than enrollees in local PPOs ($5,908 on average) or regional PPOs ($6,519 on average). Since 2011, Medicare Advantage plans have been required to limit enrollees’ out-of-pocket expenditures for services covered under Parts A and B – in contrast with traditional Medicare – and are required to have limits for in-network services that are no more than $6,700 annually. Limits were required for regional PPOs since they were first authorized in 2006.

9. Most Medicare Advantage enrollees have access to some benefits not covered by traditional Medicare in 2018

Medicare Advantage plans may provide extra benefits that are not offered in traditional Medicare. Medicare Advantage plans can use rebate dollars (including bonus payments) to help cover the cost of extra benefits. Plans can also charge additional premiums for such benefits. Most enrollees are in plans that provide some dental care (62%), a fitness benefit (69%), and/or eye exams or glasses (77%). Since 2010, the share of enrollees in plans that provide fitness benefits or some dental care has increased (from 52% and 48% of enrollees, respectively) while the share with a vision benefit has been relatively steady (77% in 2010).

10. Total bonuses paid by Medicare to Medicare Advantage plans more than doubled over 4 years

Since 2012, Medicare Advantage plans have been receiving bonus payments, as a result of changes made by the Affordable Care Act of 2010 and a CMS demonstration that terminated after 2014. Medicare Advantage plans with quality ratings of 4 or more stars, and plans without ratings are eligible for bonus payments. Between 2015 and 2018, the total annual bonuses to Medicare Advantage plans have more than doubled, from $3.0 billion to $6.3 billion. The rise in bonus payments is due to both an increase in the number of plans receiving bonuses, and an increase in the number of enrollees in these plans.

11. Extra benefits are funded by bonuses and other rebate dollars paid by Medicare

Extra benefits offered by Medicare Advantage plans are funded wholly or in part by bonuses and other rebate dollars. In 2018, Medicare Advantage plans will receive an estimated $6.3 billion in bonuses, averaging $321 per enrollee. Medicare requires plans to use bonus payments to reduce cost-sharing or premiums, or provide extra benefits, while retaining some portion of the bonus payments for administrative expenses. Bonus payments are much higher, on average, for people enrolled in Medicare Advantage plans sponsored by employers or unions ($585 per enrollee) than for people in Medicare Advantage plans open to all beneficiaries ($260 per enrollee). Employer-sponsored group plans account for 20 percent of Medicare Advantage enrollment but 37 percent of bonus payments. Special Needs Plans, which are mostly comprised of people dually eligible for Medicare and Medicaid, account for 13 percent of enrollment but only 9 percent of bonus payments in 2018.

12. Most (74%) enrollees are in Medicare Advantage plans that receive bonuses in 2018 (4 or more stars or not rated)

In 2018, 74 percent of Medicare Advantage enrollees are in plans with quality ratings of 4 or more stars and eligible for bonus payments, an increase from 67 percent in 2017. An additional 1 percent of enrollees are in plans that were not rated because they were part of contracts that had too few enrollees or were too new to receive ratings.

For many years, CMS has posted quality ratings of Medicare Advantage plans to provide beneficiaries with additional information about plans offered in their area. All plans are rated on a 1 to 5-star scale, with 1 star representing poor performance, 3 stars representing average performance, and 5 stars representing excellent performance. CMS assigns quality ratings at the contract level, rather than for each individual plan, meaning that each plan covered under the same contract receives the same quality rating (and most contracts cover multiple plans).

#medicare plan #medicare #health insurance

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classycollectorartisanposts-blog · 6 years

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I'm about to get my drivers permit. Do I need insurance?

I'm about to turn 16 in a few months. I just figured out that I need to complete driver education and am in the process of that now. When I do receive my permit in a few weeks do I have to immediately purchase insurance? I'm going to be driving my dads subaru. He will obviously be in the car with me at all times. Do I still need to buy insurance at all?

How much is the Affordable Care Act increasing your insurance premiums?

Obamacare costs soaring in recent rate checks Buckeye State insurers expect to see the cost of essential health care benefits for individual coverage in Ohios exchange to soar on average 88 percent next year, http://watchdog.org/89443/obamacare-costs-soaring-in-recent-rate-checks/ In Ohio, Obamacare to Increase Individual Insurance Premiums by 55-85% http://www.forbes.com/sites/theapothecary/2012/10/29/in-ohio-obamacare-to-increase-individual-insurance-premiums-by-55-85/""

Will my car insurance pay out?

Last night without my knowledge, my boyfriend let his friend take MY car out and he crashed it. I did not give my consent for this and although my boyfriend is on my insurance, its my car. Im the only owner. My name on the log book. I have told the police I did not give my consent. Turns out his mate has no insurance. My insurance company are dealing with it as a stolen car at the moment but until I get a crime reference number it wont go ahead. The police are not coming back until next Saturday to do a statement. Where do I stand here as im worried because my boyfriend said he could, it wont be classed as theft and my insurance wont pay out and then im buggered. This man has no money so I cant even say for him to sort this financially. Ive got to be realistic. Help!! :(""

First time insurance for a 17 year old lad?

The cost of insurance is so high even if i added him to my current policy. so then i am wondering about putting him third party on his own insurance.. what are the main pro's and cons' of this... his car is worth about 850 and his excess would between 650-750 anyway, thanks in advance for your help :-)""

How much is the car insurance payment for a used 2002 honda civic lx?

i wanna know how much car insurance payment will it cost me per month at triple A insurance at bakersfield california.

How is health insurance handled for medical students? I can't go without it!?

Why do insurance companys treat workers in the motor trade differently to any other? ie higher quotes etc?

because i work in the motor trade im unable to have the part of my insurance that allows me to drive other vehicles (such as family members) that are already insured why is this?

What's the average penalty for driving without insurance in England?

What sort of fine, and how many points?""

How many of you own a Life Insurance Policy and for what amount.?

Are young ppl thinking about life insurance?

new hampshire independent insurance agents

Approximate cost for teen motorcycle insurance?

hey, im 17 years old and live in Ontario, i recently got my G2 but cannot find a way to get car insurance cheap enough to actually warrant getting a car. I was wondering if anyone has any ballpark answer as to how much motorcycle insurance is at my age? every google search i do says you should ask your insurance broker , well i will, but i just want to see if its even worth looking at or if its going to be like $300 a month like car insurance. the bike would probably just be like a cheap used early 1990's bike, nothing special. thanks""

How much will I have to for car insurance?

I'm 19 and I just got my permit. So in 6 months I will have my license. By then, I will have car. Which insurance will be cheapest and how much would I have to pay a month? I know nobody can put an exact price on it, but maybe an estimation?""

Classic car insurance from a 17 year old? less than a grand (VW Beetle)?

Hi all, Im 17 a VW enthusiast and just passed my driving test. I'm not saying im going to be any different to the statistics but im not a racer at all, lack of experience is still an issue though Guys preimiems are double girls and yet i think its possible to get insurance ive heard of people who have just wonder from which company? Im after insurance for a VW type 1 1300 beetle or a VW split screen camper for a 17 year old. As anyone who has tried getting a quote for a 17 year old boy its going to be 800 for cheap 1L car, 900 for a 1.25L Fiesta or 1,400 for a 1.4L Zetec. So im after insurance for less than 1000 has anyone manged it for a classic car? and where? The RAC quoted 1,100 and then went to ask about it and then they refused had several quote for a 1.6L beetle (due to age and slowness) of 1,400 but would like under a 1000""

Canceling Geico car insurance?

I've had Geico insurance on my car for the past year and I've found a much better rate elsewhere and plan to switch. I'm in Virginia. How do I go about canceling with Geico? Do I have to wait until a certain time (end of 6mos, etc) or can I do it at any time? Is there a cancellation fee? Thanks!""

California mat do away with mandatory auto insurance. How much will rates go up?

The insurance industry has already said they will raise rates. A few years ago when insurance became mandatory, they raised the rates too. As much as 100%. What's your guess as to how badly the will gouge their customers this time?""

Buying a car in California?

I'm moving to California next week and I would like to sell my car here in NC. I will pay cash for a vehicle at a dealership when I arrive in L.A. When I buy it, do I have to have a CA drivers license? I will not have a permenent address right away, so I was wondering what the procedures are? I have a NC drivers license but will not establish residency in California until I find a job. Any help? Thanks""

""I bought a car off the lot, and two days later on my way to get insurance I got in an accident (my fault)?

In california isn't there a law that states you have to have insurance before u leave the lot?

What motorcycle would be cheap to insure in Greater Toronto Area?

Hello everyone! I am a new 20 years old motorcyclist living in the suburban GTA. I just got my M1 license and I've enrolled myself into a motorcycle course which would help me earn my M2 by the end of September. So, I was thinking about buying a new motorcycle around new years time or in february. I am trying to do all my research but I havent got too far with the insurance problem. I want a bike that could get me up and down the highway to my school in downtown Toronto (40 km each way). and maybe some occasional weekend rides. First question comes to my mind is what bike should I get that'll be good for commuting and would be cheap on insurance. Experience wise I am comfortable with upto most 650 sport bikes. But I do understand that insurance may vary. Another question was, which insurance provider should I chose, that is fairly cheap considering I have never had any sort of insurance policy under my name. Or, should I wait till next summer when I turn 21? Thanks for the replies in advance!""

Car insurance?

I purchased a car worthy 2000 and I purchased a comprehensive insurance policy. Some of my friend said that we will not claim (1) losing no claim bonus (2) the car compensation only say 500. They suggest me to increase the excess to $1020 in return for the refund of 94. Is it worthwhile?

I need cheap auto insurance fast ! Can you recommend a good place ?

Also , can they start coverage for the month previous ? Thank you.""

""Why don,t we have the auto industry make a car that won,t exceed the speed limit and not start?""

if driveris impared, reducing insurance, heath, saftey and legal cost

Multiple Car Insurance On One Vehicle?

Is is possible to have two insurance policies on one vehicle? The reason being is, current insurance (lets call it A) is way too expensive. To leave the A insurance I would be charged 500$, seems like a lot. New policy (lets call it B) would be much cheaper then A. If I have A for theft and fire + B (full coverage) it would still be cheaper then A full coverage! Is that legal????""

What kinds of insurance should I have when you own your own home and are married.?

Please note I am confused about exactly what insurance does what , which ones are actually important. Presently we have a whole life policy insurance, a morgage insurance. Do we need another?""

Is affordable life insurance possible for someone over 70?

And from where can I get such insurance?

Is there a CHEAP car that fits my needs?

Hey, Im a soon to be 19 year old, looking for my first car, I iwll be getting my licenses next month and was wondering is there like a cheap big body cars out there sorta like the ...show more""

What is the best car insurance for an under 18?

i want a car, but am not sure if i can afford the insurance. what is the best offer on car insurance for my age?""

Insurance company that insures expensive cars?

I'm 18 years old, but I have a lot of money. I'm looking to buy a Bentley, or a Rolls Royce, maybe even something a little faster like a Ferrari. Buying the car is not the problem, the problem is more along the lines of I'm 18 and I'm going to need car insurance. Does anybody know of any insurance companies that will insure an expensive car? I've talked to Geico and esurance, and neither of those companies insure exotic and overly-luxury cars, and it makes it even harder because I'm 18. Could somebody help me?""

Do I need to get a SR-22 in Texas?

I got arrested for a DWI and I have 40 days until my license gets suspended at which time I am supposed to get a work license. I understand I have to get a SR-22 but when do I need to do this? Does the court tell me to get a SR-22 or am I just supposed to know I need one and go out and get one?

How much should I be paying for car insurance?

I live in the Philadelphia metropolitan area, although not in the city itself. I'm 25, and I've had my license since I was 18. I've been in one accident, and the other driver was ruled at fault. I've had no traffic tickets. I have a two year college degree and good credit. I drive a 2006 Chevy Cobalt that will be paid off in August. It's currently under my parents' name and on my parents' insurance policy. Once it's paid off, they're supposed to sign it over to me. (I'm reimbursing them for the car and insurance.) My parents might be ripping me off on the insurance costs; my father bought a second truck around the time of my 25th birthday, and there hasn't been any drop in the policy costs. How much can I expect to pay for a policy in my name only with the car in my name only?""

Would a 1.4 honda civic be an ideal car for a new driver?

17 year old. Male. Would it be wise getting a 1.4 civic say 1999 plate for a first car?

How much is car insurance for 17 year old?

how much is car insurance for 17 year old? i want to buy a 2001-2005 Vauxhall corsa 1.2 and i wondering how much the insurance is. also do i have to pay the full amount of insurance upfront or is split into months for example if the insurance is 3000 am i be ale to pay 250 a month

How much does it cost to have a baby in California with no insurance?

With or without epidural, c-section or otherwise, with possible hospital stay? Near Sacramento if that makes a difference. Thanks!""

Non-owner car insurance?

Where can I get non-owner liability car insurance for myself? I am 18 years old and my dad wants me to get this insurance because I don't own a car, I just drive my parents cars. I can find it on any insurance websites. Links would be nice =]""

Were can I buy cheap insurance to reg a 1966 Vw bug?

I live in daytona florida

Any statefarm agents that can help with a car insurance question?

I had my auto insurance with state farm for several years. I used to live in Miami, Fl for pretty much the whole time until this past January that i moved to Orlando. Until now (October 2012) i hadn't changed my address because i was planning on going back but now that i decided to stay in Orlando i ended up changing to another insurance company because my policy was going to be A LOT cheaper. My question is, should i be able to get retroactive pay for the difference in my premium from the more expensive premium that i was paying in Miami and the much lower one from Orlando? I sent my state farm agent my lease contract since the beginning of the year and she said that they weren't going to allow it. Does that sound right? I know it was my responsibility to have my addresses changed but since i didn't and i was paying my premium for one city while living at another. Thanks!""

new hampshire independent insurance agents

https://www.linkedin.com/pulse/car-insurance-gregory-burke-1/"

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