This report summarizes first-hand accounts of seniors’ Medicare private plan decision making strategies, based on focus groups conducted in four cities. Seniors found the initial plan selection process overwhelming due to the volume of information they received and their inability to organize it. Few used the government’s online comparison tool, and those that did cite several shortcomings. Many relied on advice from sources they trust, including insurance agents, plan representatives, friends, family members, doctor’s offices and pharmacists. After they enroll in a plan, many seniors did not revisit their initial decision or review plan options without the strong provocation of a substantial increase in cost, change in coverage, or shift in personal health care needs. Moreover, they feared that a change in plans may disrupt their care, or lead to an unforeseen increase in out-of-pocket costs, and require them to learn new rules and requirements. They are doubtful they would end up in a plan that is appreciatively different or better for them. Overall, seniors preferred to have numerous choices in plans but would like personalized help and advice from experts to ease the process.
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This Policy Insight explores possible explanations for the continued rise in Medicare Advantage enrollment between 2010 and 2013 in spite of a projected decrease following payment changes in the Affordable Care Act (ACA).
A new brief from the Kaiser Family Foundation documents the continuing climb in Medicare Advantage plan enrollment, even at a time when payments to such plans are being reduced under the Affordable Care Act. Despite spending reductions enacted in the ACA to reduce historical overpayments to Medicare Advantage plans, from…
A new Kaiser Family Foundation report examines the current role and future outlook of employer-sponsored retiree health benefits for pre-65 and Medicare-eligible retirees. Retiree Health Benefits At the Crossroads reviews recent trends and developments in employer-sponsored retiree health coverage and examines the impact of recent legislation, such as the Medicare…
This short explainer highlights some of the key information for people with Medicare about how Affordable Care Act, also known as Obamacare, may affect them.
Development of the Financial Alignment Demonstrations for Dual Eligible Beneficiaries: Perspectives from National and State Disability Stakeholders
This issue brief provides an early snapshot into disability community perspectives on state design and implementation efforts related to the new financial alignment demonstrations for beneficiaries dually eligible for Medicare and Medicaid, with an emphasis on non-elderly beneficiaries and those who use long-term services and supports.
This July 22, 2013 briefing, Streamlining Cost Sharing in Medicare: The Impact on Beneficiaries, explored the impact on beneficiaries of recent proposals to combine the two main parts of Medicare.
This report examines Medicare beneficiaries’ out-of-pocket health care costs, which comprise a significant share of their household expenses.
Comparing Poverty Rates under the Official Census Poverty Measure and the Supplemental Poverty Measure
This interactive graphic illustrates how poverty rates among seniors in each of the 50 states change under two different Census Bureau measures of poverty: the official poverty measure and an alternative supplemental poverty measure, which takes into account health care and housing costs among other factors.
Wide Disparities in the Income and Assets of People on Medicare by Race and Ethnicity: Now and in the Future
This report examines the income, savings, and home equity of current and future Medicare beneficiaries, focusing on racial/ethnic disparities. The report finds that these differences in the financial well-being of white, black and Hispanic beneficiaries persist across age, education level, marital status, and other demographic factors.