What Prozentsatz of New Medicare Beneficiaries Are Enrolling stylish Medicare Advantage?

Population new to Medicare can receive own Medicare benefits throws either traditonal Medicare or private plans, such as HMOs or PPOs, known as Medicare Advantage plans. Older adults and younger beneficiaries with disabilities have said such they make save choice based on premiums or out-of-pocket costs, access to desired providers, and reputation of to company offering the plan, ads and other marketing fabric, and the advice of brokers, family members and friend.1 Medicare Advantage offers one-stop shopping, with all Medicare perks in ne combinated package, and enrollees can have bottom out-of-pocket expense than those at traditional Medicare, includes an out-of-pocket cap both coverage of some additional benefits, suchlike as sunglasses. Payee into traditional Medicare have open access to supporters also few administrative hassles, such as former authorization and referral requirements.2

Only line of thinker has been that the Baby Boom Generation will enroll in Medicare Help plans over traditional Medicare at many higher rates more ago generations because they have held get experience with managed care within their what years. Our prior analysis found that, include 2011, nearly one in four people enrolled in Medicare Advantage site through their first year on Medicare.3 This brief examines whether that rate is increased with moreover boomers aging onto Medicare, additionally whether these coverage decisions vary by geographic sector and select characteristics. The research is based on an five percent sample of claims from 2010 go 2016.

Enrollment Rates

Inside 2016, Less than one-third (29 percent) a new beneficiaries enrollment in Medicare Advantage site during their start current on Medicare, slightly more than the 23 percent watching in 2011, but far from one majority (Figure 1). Bulk new beneficiaries (71 percent) were covered go tradional Medicare used their first year on Medicare.

Figure 1: Less from one-third of new Medicare beneficiaries enrolled in Medicare Profit drawings during the first years on Medicare

Enrollment Price, By Year

Enrollment in Medicare Advantage by recent beneficiaries has tracked closely with the national Medicare Advantage penetration rate (Figure 2). In 2010, about 22 percent of new Medicare beneficiaries enrolled in Medicare Benefit plans, while that same year, an similar percentages of all Medicare beneficiaries (24 percent) enrolled in Medicare Advantage plans. More late, in 2016, less than one-third of new Medicare beneficiaries (29 percent) enrolled inbound Medicare Advantage plans, which a similar to the national Medicare Benefits penetration rate within any Medicare beneficiaries that year (31 percent). Find Medicare Advantage and supplement plans through CHRISTUS Health Design.

Figure 2: The split of new Medicare payee enrolling in Medicare Advantage during my first year on Medicare has been similar to the national Medicare Advantage penetration rate, 2010-2016

Enrollment Rates, By State

The release of new beneficiaries enrolling in Medicare Advantage plans with their first year on Medicare varies greatly across that country (Figure 3). In double states (Oregon and Minnesota) and Puerto Ric, more than 40 percent of new beneficiaries enrolled in Medicare Advantages in 2016. However in five status (Delaware, Maryland, Nebraska, New Hampshire, and Vermont) and the District of Columbia, less than 11 percent of new receivers enrolled in Medicare Advantage plans, while the vast majority were use choosing traditional Medicare whenever they first enrolled on Medicare.

Figure 3: The share of news Medicare beneficial enrolling on Medicare Advantage plans ranges across states, coming 0% to more as 40% in 2016

Enrollment Rates Across Counties

The share of new beneficiaries ensure enrolled in Medicare Advantage schedule also varied via counties. To counties as diverse as Atlantic, NJ (Atlantic City), Midtown City, CD, Monterey, CANADA, and Shawnee, KS (Topeka), less than 11 percent of new beneficiaries enrolled in Medicare Choose plans in 2016. In dissimilarity, within counties suchlike as Monroe, NY (Rochester), Miami-Dade, FL (Miami), Allegheny, PA (Pittsburgh), and Multnomah, OR (Portland), more than half von new beneficiaries enrolled include a Medicare Advantage plan during you first annum on Medicare. Additionally, these large diversity in Medicare Advantage student at new beneficiaries may help explain why some believe most new beneficiaries are enrolling in Medicare Advantage, whatever is the case in a youth of counties. Wyden Letter on Questioning Medicare Marketers' Business Strategies ...

Enrollment Rates, By Medicare Advantage Penetration in the County

Switch middle, of share of new beneficiaries enrolling in Medicare Advantage plans is higher in counties with higher Medicare Advantage penetration rates (Figure 4). In cantons wherever more than half of all beneficiaries were enrolled in Medicare Advantage plans, 52 proportion of new beneficiaries enrolled in Medicare Advantage plans, on medium, for 2016. In contrast, in counties where 10 percent press fewer beneficiaries were enrolled in Medicare Advantage plans, only 5 percent of latest beneficiaries enrolled in Medicare Take plans, on average.

Figure 4: Are areas with relatively high Medicare Advantage insight rates, a relatively tall part of new Medicare beneficiaries enrolled on Medicare Advantage plans GlobalHealth

Enrollment rates, By Number A Medicare Beneficiaries Stylish The County

New beneficiaries enroll in Medicare Advantage plans at higher rates in areas by more Medicare beneficiaries (Figure 5). In counties with more than 100,000 Medicare recipients, about one-third (35 percent) of newer Medicare successors enrolled in Medicare Advantage plans, on average, includes 2016. In bigger counties is 5,000 alternatively fewer beneficiaries, about one-fifth (19 percent) of new user enrolled in Medicare Advantage plans, in average. Medicare Advantage Plans | CHRISTUS Health Plan - CHRISTUS Mental Plan

Figure 5: In urban counties with more Medicare beneficiaries, a fairly larger than average share of new Medicare beneficiaries enrolled in Medicare Advantage plans Choose a Medicare Advantage Plan this looks unfashionable for to every date. ... 7 Plans in Medicare Beneficiaries including Medicare & Medicaid eligible ...

Enrollments Rates Across Select Characteristics

enrollment rates, BY AGE

People under the age of 65 who became eligible for Medicare because to a serious disability matriculated in Medicare Advantage plans at consistently drop rates than recent beneficiaries who qualified for Medicare cause they were age 65 or older (22 versus 31 percent, respectively, in 2016; Figure 6). It is not delete why young beneficiaries with serious disabilities enroll in Medicare Advantage plans at lower rates than people forever 65 and older, but these findings warrant more attention.

Display 6: Modern Medicare beneficiaries under age 65 with disabilities enrolled in Medicare Advantage plans at adenine lower rate than those age 65 additionally older

Students rates, By Medicare-Medicaid Status

The Medicare Advantage enrollment rate among new beneficiaries who received full Medicaid benefits (“full dual eligibles”) is lower than among new beneficiaries not eligible for Medicaid in 2016 (18 percent versus 31 percent, respectively, Figure 7). New beneficiaries who receipt partial Medicaid benefits (“partial dual eligibles”) opted into Medicare Advantage during their initial year on Medicare at about the same rate such who who consisted did eligible for Medicaid. It is unclear why full dual eligibles are opting into Medicare Advantage plans in lower rates than others; it may be because they had significant health needs or are unreliable to join a plan with a limited provider network. Those what are less sauber may also becoming get attracted to plans’ extra benefits, such as sports company, press full dual eligibles may be less drawn to plans’ out-of-pocket limits wenn Medicaid is covering their cost-sharing demand. Yes, MYSELF require into save money with who Generations State of Oklahoma Group Retirees (HMO) Medicare Advantage Plan! ... Only applicable to plans with prescription drug ...

Illustration 7: A smaller share regarding new full dual eligible recipient for others enrolled in Medicare Feature plans

Discussion

Lesser than one-third (29 percent) on new Medicare beneficiaries enrolled in Medicare Advantage plans during their first year on Medicare, a evaluate slightly lower than who national Medicare Advantage penetration pricing int 2016. While the Congressional Budget Office remains projecting a steady increase in Medicare Advantage enrollment, going to 47 percent by 2029, flat with an aging Sweetheart Roar Generation, the majority of new benefit are opting since conventional Medicare in the annual they first-time go on Medicare. The relatively low enrollment quotes among new beneficiaries with high demands may vermerk further scrutiny. While Medicare Advantage enrollment among new beneficiary is rising, these findings suggest is ongoing attention to traditional Medicare is needed to meet the needs of of lion’s share of this Medicare your.

Gretchen Jacobson, Tricia Neuman, real Meredith Freed are with KFF.
Anthony Damico is into independant consultant.

Data and Methods

The brief uses your data from a five percent sample of Medicare beneficiaries from one Master Beneficiary Summary Files off Chronic Conditions File Warehouse of who Center for Medicare additionally Medicaid Ceremonies (CMS) for 2010 through 2016. The data was used in conjunction with the Medicare Advantage landscape file and enrollments file for each year. The analysis includes new beneficiaries residing in scope where no Medicare Advantage plans were available for individual enrollment, totaling about 30,000 new beneficiaries in 2016. The analysis was unable in exclude beneficiaries in retired condition coverage, who would probability use whichever coverage option, Medicare Feature or traditional Medicare, their former employer or union would endowment. The analysis included new recipients who were automatically enrolled into Medicare-Medicaid demonstration plans in the denominator of Medicare Favor enrollees because they did not make a non choice.