General Discussion
Related: Editorials & Other Articles, Issue Forums, Alliance Forums, Region ForumsNew Reports Examine the Impact of Medicare Advantage Advertising
Two new KFF research reports capture the prolificand often problematicnature of Medicare Advantage (MA) television advertisements during Medicares fall open enrollment period, as well as the impact of such marketing practices on beneficiaries. Yesterday, Medicare Rights joined KFF to discuss this important topic, including potential solutions for some of the identified problems. This week, we examine the first report, How Health Insurers and Brokers Are Marketing Medicare. We will continue our analysis with the second report, What Do People with Medicare Think About the Role of Marketing, Shopping for Medicare Options, and Their Coverage?, in next weeks Medicare Watch.
The open enrollment period for MA and Part D runs from October 15 through December 7 each year. Beginning October 1, insurers, brokers, and other third-party entities can begin marketing their plans, including through television ads. In advance of this years ad blitz, KFF reviewed television spots that aired last fall, examining plan marketing strategies in depth. Key takeaways include:
MA ads were common during the annual enrollment period.
TV airways were flooded with ads for Medicare plans. There were 643,852 airings of English-language Medicare ads run on broadcast television and national cable between October 1, 2022, and December 7, 2022, an average of more than 9,500 airings per day. This is more than were seen for any individual Healthcare.gov open enrollment period between 2013 and 2018. Mostfour of every five adswere sponsored by health insurers, with the remaining sponsored by brokers and other third-party entities, such as marketing companies. Some TV ads used celebrity endorsements to promote MA.Joe Namath was featured more often than any other celebrity, appearing in nearly 10% of all MA ads.
https://www.medicarerights.org/medicare-watch/2023/09/21/new-reports-examine-the-impact-of-medicare-advantage-advertising
claudette
(5,455 posts)I think Medicare Advantage is a rip off, from what I've read about it.
rurallib
(64,688 posts)it is not Medicare and there is no Advantage.
claudette
(5,455 posts)Just using the word "Medicare" will fool a lot of older adults into thinking it's a good deal. I have had NO problem with regular Medicare. My supplemental plan (through my former employer) is really good, too. I've been very lucky.
I just feel sorry for those who fall for those CONSTANT "advantage" ads!
Attilatheblond
(8,869 posts)I'll stick with regular Medicare and keep the Fed Employees Blue Cross Blue Shield for retirees. That insurer isn't likely to mess with people in a plan that big. It'd be corporate suicide.
Great coverage combo, almost all providers are covered, I only get a $5 co-pay per Rx bill and have yet to run into a service not 100% covered by the two insurers.
claudette
(5,455 posts)LiberalFighter
(53,544 posts)I have a plan thru the UAW Trust. I don't pay any monthly premium except for the Part B. Costs for us will be much lower in 2024. A lot of perks and programs.
claudette
(5,455 posts)I read about the "advantage" plans and don't see any advantage for me over the plans I have.
jimfields33
(19,382 posts)Im 54 so I am not even close. But Ive known a lot of seniors who like the plans. I dont know if they dont mind the costs that may occur, but I know they like the grocery money they get monthly and the no monthly costs in some plans. Im not sure how you are going to force them back to traditional Medicare especially since the government likes these (or so Ive heard).
Yo_Mama_Been_Loggin
(135,640 posts)Sounds like a pipe dream.
jimfields33
(19,382 posts)for 164.00 a month.
TygrBright
(21,360 posts)Then, SURPRISE! You're not covered for that. Or you're denied because reasons.
They will offer you all kinds of things they can get lucratively reimbursed from the Feds for, whether you need it or not. Screenings out the wazzoo. "Wellness checks" from hell to breakfast.
And a lot of times they'll -surprise, surprise- FIND THINGS that you should looked at in more detail! More lucratively Federally-reimbursed diagnostic procedures and stuff. More appointments, for which they can bill the taxpayers.
Everything easy, cheap or FREE to you! LOTS of it... including tons of shit you don't need, and plenty of things that will have you worrying for a few weeks until all the screenings and checks and diagnostic tests are done and there isn't really much to do to fix it except maybe MORE PILLS.
The taxpayers, of course, get shafted left right and center for all this.
You may well end up juggling a bunch of prescriptions and even OTC meds for stuff that you really may or may not need, that really may or may not be doing you any good... and, in fact, may have side effects that keep you feeling seedy on a regular basis, but, hey... it's all for wellness and preventive medicine and good maintenance practice to Stave Off The Worst.
And then, someday, if you're unlucky, The Worst will arrive.
And your friendly, accommodating Advantage Plan will deny coverage, sorry.
Yeah... it's a great deal for the subscriber, unless you want to be able to see specialists without getting a preauthorization from your Advantage plan. Or unless you need actual care for an actual issue.
On the other hand, the process of actually signing up for basic Medicare, plus Part D and, if you want (and it's a good idea) a Medicare Supplement plan, can be painful enough to make you WISH you'd gone with an Advantage plan coz they make those REAL easy.
But it's worth the trouble.
helpfully,
Bright
Attilatheblond
(8,869 posts)The private insurers seem to constantly dicker with doctors and that too often means people can't stay with one practitioner year after year. TOO much hassle to scrounge around and get new providers.
yellowdogintexas
(23,694 posts)are designed for one purpose: PROFIT.
With Part B, you can see any doctor who accepts Medicare.
Most doctors who do so stay with the plan.
Traditional Medicare is the same no matter where you seek treatment.
The plan is not designed to generate profit; there is an overhead built into the annual budget which takes care of facility management, raises, office equipment etc.
The plan has been working just about flawlessly since 1965 and has the lowest error ratio, lowest cost per claim,& fastest claim turnaround in the insurance industry.
I was a claims analyst for a Part B contractor and of all the plans I have worked with, it was by far the easiest to process and understand.
claudette
(5,455 posts)I like the plan I have. You can go to ANY doctor - which I prefer.
yellowdogintexas
(23,694 posts)be simple on Medicare.gov. I will review my Plan D to see if I can do better for next year. Usually I do not need to make a change.
It's easy to get a supplement if you want one, there are tons of insurance folks eager to sell you one.
There are a number of different versions of supplements, they are consistent from state to state. Plan A will have the same coverage in every state, and all down the alphabet.
LiberalFighter
(53,544 posts)PoindexterOglethorpe
(28,493 posts)I have one. It costs me nothing extra, and has a bunch of benefits plain Medicare does not have.
I don't ever see ads for them, simply because I don't own a regular TV. Oh, I watch TV, mainly through streaming. So, no ads. So I didn't base my choice of plans by what some celebrity spokesperson said.
Tree Lady
(13,280 posts)A lady in my senior class said she loves it. They pay for one crown a year, cleanings and she sees her own doc, has never had a problem.
From what I hear its only bad if you have expensive medication or hospital stuff.
I have paid out thousands to my dentist the last 5 yrs redoing old crowns.
Regular dental insurance covers almost nothing of that why I didn't get.
We both have cheap meds and rarely go to doc, but I am afraid to change for fear something would happen.
yellowdogintexas
(23,694 posts)Out of network is always a great deal more costly, regardless of the plan.
Anyone who travels should stick with Part B because there are not networks; you can be treated anywhere in the US by any provider who accepts Medicare.
Tree Lady
(13,280 posts)just watching others enjoy advantage. We do travel so don't want any problems.
Yo_Mama_Been_Loggin
(135,640 posts)Part A is free for everyone. $165 for B which covers hospital stays while my part D (medication) is $37 a month.
Haven't had a hospital stay yet but the last time I did it (pre-Medicare) it would have been six figures without insurance.
I'm glad I have both.
Tree Lady
(13,280 posts)Along with supplement from employer.
We pay $160/ a month for both of us.
Plus the B $164 per person.
blogslug
(39,161 posts)I hate them
LiberalFighter
(53,544 posts)Response to Yo_Mama_Been_Loggin (Original post)
elocs This message was self-deleted by its author.
IcyPeas
(25,472 posts)new Medicare patients. I called nearly 30 doctors offices from Medicare's own search tool. And they all said they were not accepting new Medicare patients and/or asked if I had another insurance plan too.
It's very misleading... they love to say you can go to ANY doctor who takes Medicare. They don't say good luck actually finding a doctor. (This was my experience, YMMV)