Costs Under Private Medicare Advantage Plans Higher Than Traditional Medicare For Some Beneficiaries, GAO Report Finds
The report also found that about 48% of MA beneficiaries were in plans with an out-of-pocket maximum, ranging from $2,750 to $4,600. Insurers often say annual limits protect Medicare beneficiaries from high costs, but some MA plans exclude certain treatments and medical expenses from the annual out-of-pocket maximums, according to the report. GAO found that among MA plans with out-of-pocket limits, 29% exclude the cost of certain cancer drugs, 23% exclude some mental health services and 21% exclude home health care expenses. The report found, "Beneficiaries who use these services may pay more in total cost-sharing than is indicated by the plan's out-of-pocket maximum." Costs to Government
The report also found that the federal government "spends more per beneficiary in Medicare Advantage than it does for beneficiaries in the original Medicare fee-for-service program, at an estimated additional cost to Medicare of $54 billion from 2009 to 2012." Of the monthly per-beneficiary payments to MA plans, 87% is used for medical expenses, or $683 of $783 per beneficiary per month, according to the report. About 9%, or $71 per beneficiary per month, is used for nonmedical expenses, including administration, marketing and sales. About 4%, or $30, is considered profit, the report found.
GAO found that the additional money paid to private MA plans, which are reimbursed at higher rates than traditional Medicare, is not well focused. The report states, "If the policy objective is to subsidize health care costs of low-income Medicare beneficiaries, it may be more efficient to directly target subsidies to a defined low-income population than to subsidize premiums and cost-sharing for all Medicare Advantage beneficiaries, including those who are well off" (Pear, New York Times, 2/28).
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Costuri sub privat Medicare avantaj mai mare decât planuri tradiþionale Medicare pentru unii beneficiari, Gao raport constatã - Costs Under Private Medicare Advantage Plans Higher Than Traditional Medicare For Some Beneficiaries, GAO Report Finds - articole medicale engleza - startsanatate