Printer Friendly

Supplemental insurance for community aged and disabled beneficiaries: 1999. (MCBS Highlights).

INTRODUCTION

The Medicare Current Beneficiary Survey is a powerful tool for analyzing the Medicare population. Based on a stratified random sample of about 16,000 beneficiaries, the Access to Care File provides detailed information on types of supplemental insurance held by Medicare beneficiaries. The insurance counts are a point in time estimate based on interviews conducted with community-dwelling beneficiaries in fall 1999. Beneficiaries' insurance policies and drug coverage status are self-reported.

FINDINGS

* Over 10 million beneficiaries residing in the community had an employer-sponsored supplemental insurance plan in 1999 (Figure 1). Of those, nearly 8 1/2 million had plans that covered prescription drugs.

[FIGURE 1 OMITTED]

* While nearly 8 million beneficiaries had a medigap plan, only about 2 million of those beneficiaries had drug coverage.

* Over 6 million beneficiaries belonged to a Medicare risk health maintenance organization (HMO) and over 90 percent of those beneficiaries reported having drug coverage.

* In contrast to the Medicare population as a whole, over one-third of the disabled population receives Medicaid assistance and nearly one-quarter have no supplemental insurance (Figure 2). Less than 10 percent of the disabled are in a Medicare risk HMO and only 5 percent have a medigap plan.

[FIGURE 2 OMITTED]

* Employer-sponsored supplemental plans are held by a large percentage of the aged population as are medigap plans. Nearly 20 percent of the aged belong to a Medicare risk HMO

* While roughly the same percentage of disabled and aged beneficiaries have drug coverage they receive their coverage through different sources (Figure 3).

[FIGURE 3 OMITTED]

* Nearly one-half of the drug coverage for disabled beneficiaries is provided through the Medicaid program.

* Aged beneficiaries receive their drug benefits primarily through employer-sponsored plans and Medicare risk HMOs.

The authors are with the Centers for Medicare & Medicaid Services (CMS). The views expressed in this article are those of the authors and do not necessarily reflect the views of CMS.
COPYRIGHT 2002 U.S. Department of Health and Human Services
No portion of this article can be reproduced without the express written permission from the copyright holder.
Copyright 2002 Gale, Cengage Learning. All rights reserved.

Article Details
Printer friendly Cite/link Email Feedback
Author:Murray, Lauren A.; Eppig, Franklin J.
Publication:Health Care Financing Review
Article Type:Brief Article
Geographic Code:1USA
Date:Mar 22, 2002
Words:314
Previous Article:Burden of health care costs: businesses, households, and governments, 1987-2000.
Next Article:Award offered for community health innovation. (Grant Opportunity).
Topics:


Related Articles
Health insurance and the elderly: data from MCBS.
Trends in Medicare supplementary insurance: 1992-96.
Health Expenditures for Medicare Beneficiaries.
Assessing Medicare beneficiaries' readiness to make informed health plan choices.
Changing nature of public and private health insurance.
Insurance trends for the Medicare population, 1991-1999.
Retiree health insurance: recent trends and tomorrow's prospects.
Comparing Medicare beneficiaries, by type of post-acute care received: 1999. (MCBS Highlights).
Medigap reform legislation of 1990: a 10-year review.
Drug coverage, utilization, and spending by Medicare beneficiaries with heart disease.

Terms of use | Privacy policy | Copyright © 2021 Farlex, Inc. | Feedback | For webmasters |