24 Sep Why Two Zero Premium Medicare Advantage Plans Can Differ by Thousands: A County Level Look at Out-of-Pocket Exposure
By Lara Goulson, licensed independent insurance agent, Goulson Insurance Services, Los Angeles
Medicare Advantage enrollment has crossed half of all Medicare beneficiaries nationally, and the marketing that accompanies it has converged on a single number: the monthly premium. In a large competitive county that number is usually zero, which means it carries almost no information. The figure that actually determines financial exposure in a bad year is a different one. It is published, and almost nobody looks at it. According to CMS (Centers for Medicare and Medicaid Services), every Medicare Advantage plan is required to publish an annual in-network out-of-pocket maximum — the figure that defines a member's worst-case financial exposure in a given year — yet this number is rarely the focus of plan marketing or consumer decision-making.
[caption id="attachment_76226" align="aligncenter" width="500"]
Photo by Pixabay: https://www.pexels.com/photo/close-up-photo-of-a-stethoscope-40568/[/caption]
Kalli Koukounas[/caption]
Kalli Koukounas, MPH
Dr. Swerlick[/caption]
Robert A. Swerlick, MD
Professor and Alicia Leizman Stonecipher Chair of Dermatology
Emory University School of Medicine
Atlanta, GA 30322
MedicalResearch.com: What is the background for this study?
Response: Financial incentives have the potential to drive provider behavior, even unintentionally. The aim of this study was to evaluate differences in clinic “productivity” measures that occur in outpatient dermatology encounters. Specifically, we used data from 2016-2020 at one academic dermatology practice to evaluate differences in work relative value units (wRVUs, a measure of clinical productivity) and financial reimbursement by patient race, sex, and age. 66,463 encounters were included in this study, among which 70.1% of encounters were for white patients, 59.6% were for females, and the mean age was 55.9 years old.




